(573) 636-5338 [email protected]

Committee Updates

New Committee Members

Please join us in welcoming this new member to our Credit Committee: Karen Berendzen

Please join us in welcoming this new member to our Supervisory Committee: Jennifer Crader

Outgoing Committee Members

Please join us in thanking these members for their voluntary service: Charlene Veltrop and Katharine Morris

Still the Lowest HELOC Rate in Town!

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.

Annual Notice: Non-Visa Pinless Debit Card Transactions

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.

Your Financial Health: Spring Check-In

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.

Dormant Account Notice

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.

Apply for Our $1,000 Scholarship

Civic Central Credit Union will 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.

Applications Due: April 15, 2024.

Email: [email protected]

Mail: Civic Central Credit Union

Attn: Scholarship Committee

PO Box 1828

Jefferson City, MO 65102-1828

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.

Scholarships will be awarded by April 29, 2024.

Tax Season – Tax Scams

As tax season gets underway, members should be aware that scams involving IRS impersonators more than double this time of year.

Here are just a few of the ways scammers are attempting to trick you out of your money:

Unclaimed Refund Scams
Taxpayers should be on the lookout for a new mailing scam. The mailing comes in a cardboard envelope containing a letter on IRS letterhead. The letter asks you to provide ‘Filing Information’ for a ‘refund’, all in an attempt to trick you into sharing very detailed personal information.

IRS Impersonation Calls
Be aware of callers who are posing as IRS agents, using fake names and bogus IRS identification badge numbers in hopes of stealing taxpayer money or personal information. They usually know a lot about you, and they often alter the caller ID to make it look like the IRS is calling. Victims are told they owe money to the IRS, and it must be paid promptly through a gift card or wire transfer.

We urge all members to take caution before paying unexpected tax bills.

The IRS will not:

  • Call to demand immediate payment using a specific payment method.
  • Threaten to bring in local police or other law-enforcement groups to have you arrested.
  • Demand payment without giving you the opportunity to appeal.
  • Ask for credit or debit card numbers over the phone.

Taxpayers can call 800.366.4484 to report impersonation scams.

Take 5 to Earn $5

Enjoy easy, secure access to your bank statements and earn a $5 perk.

If you do not have online banking, follow these steps:

  1. Visit goodcu.org
  2. Click Bank Online
  3. Select Enroll Now
  4. Verify Your Credentials
  5. Opt-In for eStatements
  6. Get a $5 Perk for Saving Paper*

Already have online banking, follow the steps below:

  1. Go to online banking
  2. Select Settings
  3. Choose Edit Email
  4. Add Your Email Address
  5. Opt-In for eStatements
  6. Get a $5 Perk for Saving Paper*

*Limit one (1) $5 perk per member account. Perk is only available for new eStatements enrollees. Offer is only available through March 31, 2024.

For the Good of Us All