New Member FAQs

• Look for the Secure Log In box in the upper-right corner of our website page.
• You will be asked to accept the online banking disclosure.
• Next you create a password (must be at least 8 characters long with a combination of letters and numbers).
• You will then be able to see your accounts online moving forward.
  

Click to download mobile banking application for iOS^® and mobile banking application for Android.

• Look for the Secure Log In box in the upper-right corner of our website page.
• You will receive an email within 3 business days with a one-time temporary password.
• You will be asked to select a new password upon your first time logging in. Password must be at least 8 characters long with a combination of letters and numbers.
• You will then be able to see your accounts online moving forward.

Click to download mobile banking application for iOS^® and mobile banking application for Android.

• Log in to online banking using the User ID and password you created.
• Select MENU if on your mobile device.
• Choose Statements & Documents.
• Enter your email address in the first box and it will pre-fill the other boxes for you.
• Enter the verification number listed.
• Lastly, you will be asked to check the box and register for electronic documents.

Members can set up direct deposit in a few ways.

Automatically, through CCU’s Online Banking

This will work for most people and is the quickest option. Click here to go to the direct deposit form. There are just 4 steps involved from here! (Don't have CCU Online Banking? Click here to enroll.)

Manually, through your employer

Your employer will need CCU’s routing number – 271989950 – and your full account number. Your account number was sent to you in a separate email upon account opening. You can also find it when you log into Online Banking:

• Mobile: Select the View all accounts button.
• Desktop/PC: Under the View all accounts button at the bottom of Accounts.
  

You can make this process easier. For a pre-filled form with this information click here. It will take you to a page in Online Banking where you can pick which account you want the deposit to go to, and then save and print a form. Fill it out and provide it to your employer.

Generally, direct deposit takes 1-2 pay periods to start.

Yes. All deposit accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA).

Banks operate to generate profits for their stockholders or private owners.  Credit unions are not-for-profit financial cooperatives, owned and operated by the members.  Credit union profits are returned to their member-owners in the form of higher deposit rates, lower loan rates, and no or low-cost services.  Banks are federally insured by FDIC; credit unions are federally insured by NCUA.

The $5 membership fee is required to become a member of the Association. Consumers Cooperative Association was organized in 1970 and serves as the "Common Bond" for membership at Consumers Credit Union.  The Association provides membership benefits such as financial education, and scholarship opportunities.

$5 is held in your regular Savings Account as your initial share deposit and signifies your ownership of the Credit Union ($5 = 1 share).  This $5 minimum balance is your money and will be returned if you should ever close your membership.

As a new member, there are several ways to access your account while waiting for your debit card to arrive.  Beyond traditional Branch access, Consumer’s offers online, mobile, and text banking, telephone teller, shared branching, and Mobile Check Deposit.

Yes. The check(s) cannot exceed $10,000 per day and you cannot deposit more than 5 checks per day.

Text Banking is an easy, fast and secure way of banking while using your phone’s texting capabilities. With Text Banking, you can check balances and view recent account transactions on the go!

You can enroll in Text Banking via Online Banking or via the CCU Mobile App. Once logged into Online Banking or our Mobile App, select MENU, then choose Profile & Settings. You will need a mobile phone with texting capabilities. Standard messaging and data rates may apply. CCU’s Text Banking number is 226563. 

Your initial deposit is available within 5-7 business days. As a new account, all checks deposited into the credit union will be held for 5-7 business days. After you have maintained your account for 30 days, check holds will be at the discretion of the credit union.

• Simply meet the requirements to earn 3% APY . . . then add:

• $500 CCU Visa Credit Card purchases, no minimum number of transactions

To earn 5.00% APY on balances up to $10,000 perform the following each qualifying cycle:

• Simply meet the requirements to earn 3% APY . . . and
• Spend $1000 or more in CCU VISA credit card purchase transactions, regardless of the number of purchases

• Free VISA Debit Card
• Free digital banking and bill payment
• Free e-Documents
• Unlimited check writing privileges
• Access to over 1,800 Shared Branch Networks and nearly 30,000 surcharge-free ATMs
• Qualified members receive Courtesy Pay, a helpful resource that covers your overdrawn checks (fees apply)

The last day of each month.

Learn more about apply for a business loan here, and for business credit cards here.