Please call us toll free at (877) ASK-CCCU (275-2228) during normal
business hours or
contact us for more information.
What's New
First Home 30-year Plus!
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Consumers Credit Union has great news for Members: a new mortgage program designed to help you take advantage of the U.S. Government’s “American Recovery and Reinvestment Act homebuyer’s tax credit.
Introducing . . . “First Home 30-year Plus!” Here’s how it works...
First Home 30-year Plus* is a limited offer exclusively for first-time home-buyers qualifying for government’s tax credits up to $8,000.00 by applying the tax credit to your down-payment. |
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- 30-year fixed rate
- 3% down
- No Private Mortgage Insurance
- Loan amounts up to $417,000
Don’t have 3% down? That’s the “Plus” in CCU’s First Home 30-year Plus program! You can use your anticipated Tax Credit to initiate a short term 2nd lien loan and cover the down payment!
- Loan amounts up to 10% of sales price or $8,000, whichever is less
- 2% APR* interest through June 30, 2010! - Rate may increase after promotion end date
What a great opportunity for first-time homebuyers to purchase your dream home!
- Less cash out of your pocket at closing
- Federal tax credits up to $8,000.00
But you must hurry to take advantage of First Home 30-year Plus because the U. S. Government Homebuyer Tax Rebate program ends June 30, 2010.
- Must be “under contract” by Friday, April 30, 2010; purchase must “close” by Wednesday, June 30, 2010
Here are the details on the tax rebate program for First Mortgages for first-time homebuyers, known as the American Recovery and Reinvestment Act. . .
- Tax rebates of up to $8,000.00 for first-time homebuyers
- Must have a binding sales contract signed by April 30, 2010 and purchased by June 30, 2010
- Homes purchased for a price less than or equal to $800,000
If you, a relative or someone you know is looking for their first home purchase, now is a great time to buy and First Home 30-year Plus is a product that can help them seal the deal!
And YES. . . CCU is still making real estate loans. . . unlike many other lenders! We also have fixed-rate terms up to 40 years and Jumbo Mortgage loans at excellent rates.
Want to get started? Fantastic! We have three ways to provide more information about our First Mortgage, Home Equity Loans and Home Equity Lines of Credit.
- Visit our web site at myconsumers.org
- Call a home loan specialist at 877.ASK.CCCU (877.275.2228)
- Stop by any of our convenient locations: Waukegan, Mundelein, Round Lake Beach, Gurnee, North Waukegan... and now open on Route 120 in Volo.
Consumers Credit Union. We’re a credit union, not a bank. And proud of it! |
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| *All loan requests subject to CCU's Credit Committee guidelines. Actual rate and term based on creditworthiness of borrower and percentage of loan-to-value; rates subject to change without notice. Offer available for real estate in Illinois and Wisconsin only. Please contact a CCU representative for additional information; consult your tax advisor about the possible deductibility of interest. CCU’s rate offer expires 06/30/2010. APR=Annual Percentage Rate. Additional information about the U.S. Government’s tax rebate program is available at www.federalhousingtaxcredit.com/2009/faq.php. |
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What separates credit unions from banks during these challenging economic times? Many things... all of them good... starting with banks taking billions (with a "b") from the governments in bailouts, while credit unions have not touched one penny of taxpayers money.
W-O-W!
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| Here are a few great examples of credit unions working with YOU! |
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- Own your financial institution, don't let it own you - credit union Members are also owners, while banks are primarily owned by stockholders.
- We've been here for 80 years; what bank can say that?
- We prefer the term, "Credit Unioning," no banking.
- How many credit unions have received TARP money? That's right! NONE.
- Consumers Credit Union... we're about Main Street... not Wall Street.
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| Yes, we're a credit union, not a bank. And we're proud of it! |
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| Consumers Credit Union has LOWERED its vehicle loan rates for cars... trucks... vans and SUVs! |
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- New and used, same low rate
- Financing up to 125% of the vehilce's value... even more for qualified borrowers!
- Save HUNDREDS: take the dealer rebate and bring your financing to CCU
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*APR = Annual Percentage Rate. All loan requests subject to CCU’s Credit Committee guidelines. Actual rate based on term of loan and creditworthiness of borrower; lowest promotional rate includes Premier Service Package discounts of 0.75% APR and additional 0.25% APR by applying online. All rates and terms subject to change without notice. Please contact a CCU representative for additional information. Offer expires 3/31/2010 |
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- NO minimum balance!
- Free online banking and bill pay!
- NO monthly service charges!
- FREE ATMs - any where, any place, any time!
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| *APY = Annual Percentage Yield. Balances over $25,000 will earn 1.01% APY, 0.05% APY default rate for Members who do not meet all requirements. 4.09% APY rate and ATM refund Requirements per month:
12 POS check (debit) card transactions, receive electronic statement plus have either one direct deposit or one ACH debit or pay one bill via online banking. Rates subject to change without notice. |
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MOBILE BANKING |
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Access your CCU account information from any Internet-enabled cell phone, smart phone, or PDA. Access to the Mobile Banking service is FREE to all CCU Online Banking users and provides the following features:
. Account summaries
. Online Bill Payments
. Account transaction history
. Ability to make account transfers
. Rate information
. Hours of operation
. Mobile text alerts
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If you have an Internet-enabled wireless device and use CCU's Online Banking, you are ready to access your account information. No registration is necessary. Simply bookmark the following URL on your wireless device to ensure a successful connection: https://mobile.myconsumers.org
To learn more about Mobile Banking, including FAQs, please click HERE...or contact a Member Service Representative at 877 ASK CCCU (877.275.2228). |
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| Our Loan Rate is Blazing Hot! |
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- NO pre-payment penalty
- NO Annual Fee
- Flexible Terms Loans up to 100% Loan-
to-Value. Terms up to
20 years - lower than regular mortgages!
- Millions to lend While others run away from home loans, we welcome your business.
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*All loan requests subject to CCU’s Credit Committee guidelines. Actual rate and term are based on loan to value. Please contact a CCU representative for
additional information. Consult your tax advisor about the deductibility of interest. Offer expires 3/31/2010. APR = Annual Percentage Rate.
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