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.

Have you tried Remote Deposit?

It’s an added convenience you don’t want to miss!

Deposit checks with ease using our mobile app:

• Download the App
• Login and Select Deposit
• Snap a Photo and Submit

Find the app in the Google Play or Apple App Store.

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.

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

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.