A publication of Consumer Cooperative Federal Credit Union
2nd Quarter, 2014
Mark Your Calendar:
Back to School means expenses! Clothes,
shoes, and school supplies can drain a budget
quickly. We are here to help with our “Back to
School Loan Special.”
Qualified members can borrow up to $1,500 for
12 months @ 5% with a payment of $128.42.
We offer fast and easy loan processing, and
it is a great way to stay away from adding to
long term credit card debt.
Valid August 1st thru September 15th. **with approved financing**
What’s Your Score? What Does It Mean?
The credit industry is keeping score. Every time you apply for a credit
card, a mortgage, or even insurance, your application is judged in part
by your credit score. That number is used
by lenders to objectively measure your
creditworthiness. The higher the score,
the more likely you are perceived to repay
credit.
There are two commonly used scores:
FICO and Vantage Score. FICO scores
range from 300 to 850, while Vantage Scores range from 501 to 990.
Be aware that a score of 780 from FICO is excellent, but the same
Vantage Score gives you a grade of “C.” Know which score you are
viewing. Consumers Cooperative FCU uses FICO Scores.
Factors that affect your credit score include payment history, amount
of debt you carry, length of credit history, whether you frequently apply
for new credit, and your credit mix (credit cards, retail cards, mortgage,
and personal loans).
The best advice is to pay all bills on time and only charge as much as
you can afford to pay in full when the bill is due on credit cards and
other revolving accounts.
A purchased credit score is often not the same as what many lenders
use. You can order your credit report, on the other hand, for free. Visit
annualcreditreport.com to order one free credit report once a year from
each of the three credit reporting bureaus--Experian, Equifax, and
TransUnion.
Friday, July 4, 2014–
The Credit Union will be
closed for Independence
Day. Everyone have a
wonderful and safe holiday weekend!
Monday, September
1, 2014 – The Credit
Union will be closed
for Labor Day.
Be sure to take advantage of our
Night Drop Box, 2 ATM Locations,
Visa Debit Card, and On-Line
Banking during our closed hours.
OPEN
MONDAY – FRIDAY
8:30 am – 5:00 pm
STAFF
Betsy Marsteller – Manager
Colette Johnson – Loan Officer
Cheryl Long – MSR
Shelly Matthews - MSR
Rashl Bunnell Franklin - MSR
REACH US AT 308-762-1871
866-762-1871 – Toll Free
308-762-1876 – Fax
888-827-6957 – Audio Teller
[email protected] – email address
www.ccfcuonline.com
ATM LOCATIONS
217 Toluca
1000 E 3rd St.
LOST OF STOLEN ATM OR VISA DEBIT CARDS - It is important to notify us immediately if your Consumers Cooperative
ATM or Visa Debit Card is ever lost or stolen.
During regular business hours, please call
Consumers Cooperative @ 308-762-1871.
After hours, please report your card lost or
stolen by calling 800-500-1044.
Going on Vacation? If you
are traveling and plan to use
your Consumers Cooperative
ATM, Debit or Visa Card, please
notify us prior to traveling.
We can place travel dates
and destinations in your card
record to help make your trip
uneventful. Plus, you will avoid
the possibility of you card being
blocked due to unusual activity.
Tip for Cash Tippers - Do
you sometimes use your debit
or credit card at restaurants or
the hairdresser, and then leave
a cash tip? Make it a habit
to always write CASH in the
gratuity line, and fill in the total
amount shown on the receipt.
Most service providers are
honest and earn their tips, but
it makes sense to thwart those
who would take advantage of
your trusting nature.
Car Buying Tips
--Decide make, model, options,
and color
--Get preapproved for loan from
credit union
--Visit at least three dealerships
or car lots
--Take someone with you
--Look for the car you want,
with the most features, at an
affordable price
--Consider gas mileage
--Keep good records as you
shop
--Negotiate up from the dealer’s
true cost, ratr than down from
the sticker price
--Avoid dealer markups by
financing at the credit union
Auto/Truck/RV’s/Motorcycle &
Boat Loan Rates as low as 3.25%.
*with approved financing*
was held April 11, 12, & 13th. It is
our way of saying “Thank You” for being a member of Consumers
Cooperative FCU. We had a great turnout, and raised $480 for
Children’s Miracle Network.
Great promotional items were given away. The Kids received a sack
full of summer goodies. Cookies, a fun assortment of candy, and
refreshments were served, and on Friday we served grilled hot dogs
and chips. Plus, we had daily prize drawings.
To enter the drawing the adults donated $1.00, and the children
donated 50¢ to Children’s Miracle Network.
Congratulations to our Prize Winners!
Wednesday
Thursday Friday
Outdoor Canopy – Casey Sherfey
Squirt Gun, Slip & Slide, and Beach Towel –
Nicole & Jada, Brian Jensen’s granddaughters
Fire Pit – Kara Pruneda
Tent & Chair – Kennedie Gibson
Barbeque Grill – Meg Craig
Zeki 8” Tablet – Toby Voight
CERTIFICATE OF DEPOSIT – NEW RATES – NEW TERMS
$500 Minimum Deposit
12 MONTH – 0.90%; 18 MONTH – 1.10%; 24 MONTH – 1.25%
If you have questions on deposit insurance visit the National Credit
Union Administration’s (NCUA) insurance estimator @ http://www.
mycreditunion.gov/estimator. You will find out how share insurance
rules apply to your share accounts, and what’s insured and what
portion (if any) exceeds coverage limits.
2014 Scholarship Winner!
The Board of Directors of Consumers Cooperative FCU allocated
a $1000 scholarship to be awarded to a graduating senior who is
furthering their education, and whose parent or themselves have
been a member of the Credit Union for at least one year.
This year’s recipient is Nicholas J. Maser, son of Kim Dobson and
John & Beck Maser. He plans to attend the University of Nebraska
Lincoln to pursue a major in Turfgrass & Landscape Management,
and minor in Business Management.
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“Summertime is always the best of what might be.” Charles Bowden