(573) 636-5338 [email protected]

Employee News

Congratulations, Lucinda Crutchfield!

Lucinda was recently promoted to a Loan Officer position within the credit union. Stop in and see her about an auto, HELOC or personal loan. She’s ready to serve you for all your lending needs!

Or call the credit union today.

Upcoming Events & Closures

Mark your calendars for these upcoming events:

  • Shred Day, October 6 from 11am to 1pm
  • Santa in the Branch, December 2 from 9am to 11am

The credit union will be closed in observance of the following holidays:

  • Columbus Day, October 9th
  • Veterans Day, November 10
  • Thanksgiving Day, November 23
  • Christmas Day, December 25

If It’s Too Good to Be True…

A recent flurry of calls that indicate you’ve been “pre-approved for benefits” is another fraud attempt to get your personal information.

If you receive these calls asking to verify your full name and date of birth, immediately hang up the phone.

These scammers are trying to build a data profile on you so they can apply for credit cards or services in your name. Once they fill in all the blanks, they can run up huge amounts of debt in your name.

Never share your personal information over the phone. Anytime you receive an unexpected call, ask the caller to provide a call back number. If they hesitate, it’s likely they are not reputable. Hang up, then call back at a phone number you know to be legitimate.

Lowest HELOC Rate in Town!

Our Home Equity Line of Credit Rate is Still the Lowest in Town.

Use Your Equity Your Way:

  • Fund Renovations
  • Consolidate Debt
  • Cover Tuition
  • Take a Vacation

Enjoy 6.5%* APR and No Closing Costs^

*Annual Percentage Rate. Interest rate is subject to change. ^No closing costs applies to first-time applicants.

Retirement Accounts

Did You Know… Civic Central Credit Union offers members low-cost Traditional & Roth IRA options.

Our custodial fees are the lowest in town:

  • $2.00 set-up fee
  • $6.00 annual fee

IRAs are the perfect way to diversify your retirement savings. They can also be invested in IRA CDs which offer higher dividend rates at various terms.

Taxable Income – An Inflation Response

Taxable Income – An Inflation Response

In case you missed it, inflation has bumped up prices for food, energy, and fuel. For the 2023 Tax Filing Season, the Internal Revenue Service has made some inflation adjustments that can help.

Here’s Some That Will Affect You:

What’s Changed
Federal income tax thresholds have increased by roughly 7% by bracket.

How Does It Affect Me
These increases will allow many to stay in a lower tax bracket.

What’s Changed
Standard deductions have increased across all filing statuses.

How Does It Affect Me
Single and Married Filing Separately: The standard deduction will increase by $900. ($13,850)
Married Couples Filing Jointly: The standard deduction will increase by $1,800. ($27,700)
Head of Household/Ages 65 and Up: The standard deduction will increase by $1,500. ($20,800)

Example

In 2023, a married couple filing jointly could make a maximum of $89,450 to remain in the 12% bracket, compared to $83,550 in tax year 2022.

Bottom-line:

These increases and additional credits will allow taxpayers to reduce their taxable income and keep more income in their pockets.

See all Tax Bracket Adjustments and changes at irs.gov/newsroom

Apply for Our Scholarship

Apply for Our $1,000 Scholarship

Entries must be received by Friday, April 15, 2024.

Civic Central Credit Union will once again award three $1,000 scholarships to selected student members.

Eligible Applicants:

  • Civic Central Credit Union Members
  • Enrolled Full-Time in an Accredited College or Trade School in Fall 2024
  • Did Not Win a Scholarship in 2023

To Enter, Submit a Typed Essay

In 500 words or less describe:

  • Yourself, the school you plan to attend, and the reason you chose that school.
  • Include any awards, memberships in organizations or offices that you have held.
  • What you have done personally to prepare for school costs.
  • Any community betterment you have performed or any future plans you have to better your community.
  • How this scholarship will help you achieve your career goals.

Return application by email to [email protected] or by mail:

Civic Central Credit Union

Attn: Scholarship Committee

PO Box 1828

Jefferson City, MO 65102-1828

Entries must be received by Friday, April 15, 2024.

Beat High-Interest Debt

Best High-Interest Debt

Did you know we offer a competitive VISA® product?

A VISA® from Civic Central Credit Union can increase your buying power and help you reduce higher-interest debt.

What Makes Our VISA® Better:

  1. Low Fixed Rates
  2. Easy Cash Advance to your Checking Account
  3. Never Any Balance Transfer Fees

Learn More at goodcu.org/visa/

Protect Your Identity

Protect Your Identity in an Online World

Consumer behaviors are changing – Online commerce is up nearly 43%.

With the increasing opportunities to spend online, the possibilities for identify theft and account fraud grow.

Here Are Five Tips to Help Keep Fraudsters at Bay:

  1. Don’t open or respond to unsolicited emails or texts from unknown contacts
  2. Never sign into an account using a link in an email or text
  3. Never provide passwords, PIN numbers, account numbers, etc., over the phone or via text or email
  4. Only browse secure online websites
  5. Use strong passwords and change regularly

For the Good of Us All