Civic Central Credit Union is pleased to offer our members a chance to win one of three $1,000 scholarships for their college education. Our scholarship program helps put higher education within reach.

Who’s Eligible? 

• Active Members of the Credit Union
• Enrolled in a College or Trade School Fall 2025
• Students Must Be Enrolled Full-time
• Students Who Weren’t Awarded Fall 2024

What’s Required? 

A 500-word typed essay describing:

• You, your school, and your community involvement
• A list of any honors or awards you’ve received or offices held
• Actions you have taken personally to prepare for education costs
• Your college, your intended major, and why you selected this school
• How this scholarship will help you achieve your career goals

What’s the Deadline? 

All scholarship essays must be submitted by April 15, 2025. Recipients will be notified by April 29, 2025. Scholarships will be awarded to the winners and the colleges they’ll attend.

Ready to Get Started?
Submit your typed essay to [email protected] with the subject line: Attn Scholarship Committee.
Or send by mail to

The Civic Central Credit Union Education/Membership Committee will appoint the judges for this Scholarship.

We’ve enhanced card security for our members with new debit card controls.

Members can disable and enable their debit cards when logged in to online banking or the mobile app. In just a few clicks, you can turn your card off to prevent card use.

This is a great way to protect against fraudulent activity or for peace of mind if you’ve temporarily misplaced your debit card.

Here’s How to Disable Your Card:

• Login to Online Banking
• Choose ‘Remote Control Cards’ from the Upper Left Menu
• Change Your Card Status from ‘Enabled’ to ‘Disabled’
• Confirm by Clicking Submit in the Pop Up
• Take the Same Steps to Enable Your Card

Here Are Three Reason to Use this Feature:

• When Traveling for Enhanced Card Security
• If Your Card is Misplaced – Temporarily Disable Until Located
• If You Suspect Fraud – Disable to Prevent Unwanted Purchases

Keep in mind – recurring subscriptions like gym memberships, streaming TV services, and monthly fixed donation amounts will continue to process even if your card is disabled. These charges were preauthorized when you signed up for the service.

Variable charges set up for auto pay such as utility bills or electric bills will not process if your card is disabled. These charges are not preauthorized since the amount due changes every month.

Returns, credits, dispute adjustments, and interest will continue to process even if your card is disabled.

Disabling your card strictly prevents point-of-sale transactions and variable auto-pay charges.

Don’t forget – when you’re ready to use your card again, you have to enable it or your transactions will be declined at the register.

Contact us for more details or visit our services page to download our mobile app to get started.

As a Civic Central Credit Union member, you are eligible for exclusive savings on

• Travel
• Flights
• Theme Parks
• Hotels & more

Visit workingadvantage.com and enter CIVICCENTRALCU at enrollment.

You can count on Civic Central Credit Union for an amazing auto loan rate!

Skip the dealer round-around and apply online in minutes!

Knowing your loan limits before you go can help remove the stress of new car shopping.

More Reasons to Apply with Us:

• Pay Online
• No Hidden Fees
• No Prepayment Penalty

*Loan rates quoted are the lowest available rates. Actual rates are subject to membership eligibility and creditworthiness.

Home values are at an all-time high. It’s the perfect time to check your equity! Your equity can help free up funds for home improvements or pay off higher-interest debt.

Our attractive low rate makes us the best choice for a home equity line of credit. Our current rate of 6.50% APR* is the lowest HELOC rate in Jefferson City!

Check Your Equity

*Annual Percentage Rate. The interest rate is subject to change. Rates reset in July of every odd year.

If you’re a homeowner, a Home Equity Line of Credit can be a savvy choice for reducing your interest rate and keeping more income in your pocket.

A Home Equity Line of Credit from Civic Central Credit Union can help!

Home Equity Lines of Credit let you take advantage of the equity you have built into your home.

And you can borrow up to 80% of your home’s value.

Currently our Home Equity Line of Credit has a rate of 6.5% APR* and our members enjoy no closing costs^ on their first line of credit.

*Annual Percentage Rate. The interest rate is subject to change. Rates reset in July of every odd year.

^No closing costs on your first line of credit. Subject to credit union approval. Not all applicants will qualify. See FSO for details.

Your Civic Central Credit Union Visa debit card allows you to conduct transactions on the PULSE® and STAR® debit networks, which generally require you to enter your PIN. Some merchants are authorized to accept non-VISA debit transactions without requiring you to enter your PIN. If you choose to sign a receipt to authorize a debit transaction, the transaction will be routed as a Visa transaction. Provisions of your cardholder agreement that specifically relate to Visa transactions are inapplicable to non-Visa debit transactions.

Contact CCCU for more information regarding this notice.

Whether you’re just starting out, nearing retirement or living on a fixed income, it’s always a good time to check in on your financial health. Depending on your stage in life, these financial health tips can help you reach a savings goal or better position you to embrace a lifetime of financial health.

Keep These Financial Health Tips in Mind:

1. Automate Savings – Set up an automatic transfer from your checking to your savings account. This will help you build financial resiliency when unexpected costs arise.

2. Pay Down Debt – Rising rates make this more important than ever. Pick your lowest balance and chip it away. Then move onto the next. You’ll be glad you did!

3. Live Within Your Means – When you create a budget and live within it, you’ll gain more financial wellness than ever. And this discipline will serve you well for a lifetime.

4. Be Patient – Paying down debt and growing your savings takes time. Be patient and keep your eye on the prize.

An account will be declared “dormant” after one (1) year of no activity other than dividend and fee postings.

A limited hold will be placed on this type of account automatically by the computer system. A fee of $10.00* will be assessed per quarter on dormant accounts.

*This fee will be waived if an account balance is $100 or greater, or accounts where the primary member is 21 years of age or younger.