Please call us toll free at (877) ASK-CCCU (275-2228) during normal business hours or contact us for more information.

What's New

Student Choice Checking
Dump Your Bank
Student Choice VISA
Free Rewards Checking
VISA Balance Transfer and Cash Advance
First Home 30-year Plus!
Auto Loan
On-Line Account Opening
Press Releases
Newsletters

STUDENT CHOICE CHECKING

Ages 13 through 17*

Your Student Choice Checking package includes . . .

Debit Card with $310.00 daily limit
FREE E-Statements and Online Banking
Mobile Banking
Reimburse ATM fees up to $25.00
Periodic bonus prizes
Additional option: VISA Credit Card*

For Student Choice Checking accounts the following parameters are required; 1) Available to Members age 13 - 17 years old; 2) Parent or legal guardian must be a joint account holder; 3) Adult joint account holder will be responsible and liable for all activity on your account; 4) ATM surcharge refunds, up to $25.00 per month, until the month after your 18th birthday; 5) VISA Debit Card may be issued to you with a daily limit of $310.00; 6) Requirement to convert the student youth checking to a regular checking product prior to your 19th birthday and; 7) Subject to a $10.00 monthly fee after your 19th birthday. No Checks are included and no overdrafts are allowed.

Switch to CCU!

Why YOU should dump your bank!

Our Members love us... banks love "fine print"
CCU invests in you... banks invest in the "bottom line"
You can speak to our President... try that with a bank!
Credit unions work cooperatively... banks take bailouts
WE value our Members... banks value their investments
CCU's been here for 80+ years... what bank can say that?
CCU makes local decisions... banks make "corporate decisions"
CCU provides the gift of service... banks provide the gift of frustration
CCU has $$$ Millions to lend... banks quit lending when you need it most!
We're part of the community... bank's headquarters are who knows where?

Contact a Member Service Representative to make the switch today!

Student Choice VISA

Ages 13 through 21*

Give Your Student the Opportunity to Manage Their Finances - While Learning About Responsibility!

Limits starting at $250*
VISA credit card with student's name on card as authorized user*
Accepted at millions of locations worldwide
Easy to track - VISA will appear on students account/statement
Safer than cash!

The Student Coice Checking Card is available to Members age 13 -21 years of age; and, must be applied for and opened by a parent or legal guardian, with the student listed as "Authorized User." The Authorized User will no be reported to any credit reporting agencies while under age 18. You may request, in writing, that we report the authorized user once they reach 18 years old. The parent/guardian will be the only person who can set or change the credit limit on the account. The parent/guardian will be soley responsible for the account balance. These accounts will not be subject to any automatic limit increases. An Authorized User form must be filled out by both the parent/guardian and the student. Maximum credit limit will be determined by the limit of the loan officer allows, as well as the amount requested soley by the parent/guardian . Please contact a CCU Representative for more information. All loan requests are subject to CCU's Credit Committee guidelines. Actual rate based on creditworthiness of borrower.

Free Rewards Checking

NO minimum balance!
Free online banking and bill pay!
NO monthly service charges!
FREE ATMs - any where, any place, any time!

*APY = Annual Percentage Yield. Balances over $25,000 will earn 0.76% APY, 0.05% APY default rate for Members who do not meet all requirements. 3.09% 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. Effective August 1, 2010, you must complete at least twelve (12) Debit Card transactions per month without using your Personal Identification Number (PIN) in order to meet this qualification requirement.

VISA

It's convenient. It's easy. Check out some great reasons YOU should use your VISA card from CCU!

NO Fees for Cash Advances and Balances Transfers!
No fees. Not when you take your advance. Not even once a year! We've ELIMINATED fees for cash advances!
NO Teaser Rates, either!
You get the same low competitive rate for cash advances and balance transfer as you do for purchases!

Cash Advances Available Online!
Access your VISA cash advance through CCU Home Banking at www.myconsumers.org! Transfer the money into checking, savings or any other active account and you have instant access to "the green!" Nothing to it!

Cash Available By Phone!
In the car or on the go simply give us a call at 877.ASK.CCCU (877.275.2228) during normal business hours and we'll process your cash advance over the phone. Now that's something!

Cash Available In Person!
Meet your money in person by stopping by any of our 6 convenient locations: Waukegan, Mundelein, Round Lake Beach, Gurnee and North Waukegan during normal business hours and you can get your cash advance in person!

*All loan requests are subject to CCU's credit committee guidelines. Finance charges for cash advances begin to accrue on the first day of the cash advance. All rates and terms are subject to change without notice. Contact any CCU office for full disclosure information specific to your credit card. VISA-related specials valid only using VISA cards issued by Consumers Credit Union. Score Card points not earned on cash advances and balance transfers. Offer expires September 30, 2010.

Home Loan

Consumers Credit Union has great news for Members: a new mortgage program designed to help you take advantage of the current housing market and rate opportunities.

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 looking to make there first home purchase.

30-year fixed rate
3% down
Loan amounts up to $417,000

What is the "Plus" you ask? No Private Mortgage Insurance.

What a great opportunity for first-time homebuyers to purchase your dream home!

Less cash out of your pocket at closing
No Private Mortgage Insurance required.

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!

*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 09/30/2010. APR=Annual Percentage Rate. Equal Housing Lender.

AUTO LOAN

Consumers Credit Union has LOWERED its vehicle loan rates for cars... trucks... vans and SUVs!

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

*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 an 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 09/30/2010.

ONLINE ACCOUNT OPENING

Open an account in the comfort of your home...

Our user friendly program allows you to open any of the following…

• Savings
• Rewards Checking
• Money Market

• Checking
• Certificates
• Plus more!

FUND the account instantly - use funds from another financial institution, a credit card or another CCU account!

Open Your Account Today!