Checking & Savings
Checking & Savings
Whether you are looking for a club account with added benefits, FREE checking or great returns on your savings, CCFCU is the right place for you. Along with a variety of checking and savings products to meet your needs, we also offer plenty of ways to check balances, transfer money or make payments.
Our EZ Web free online account access program allows you to transfer money across accounts, make loan payments and see copies of your checks. In addition, you can use our free bill pay service, EZ Bill Pay, to pay your bills, set up monthly payments, track payments and view your history.
If you are not near a computer, TILLY is a great way to call in and check on your account. This automated telephone program lets you make your credit union loan payments, transfer to checking or savings and even request a check be mailed to your address.
Check out all we have to offer. We are certain you will find the perfect account to meet your needs.
Loaded with benefits, FREE Checking is a good fit for many members:
- $400 Overdraft Privilege
- $100.00 minimum deposit required to open
- No monthly service charge
- No per check charge
- No minimum balance requirement
- Overdraft Privilege from your share (savings) account
Balancing your account is made easier through carbonless copies of your checks which you can compare with our monthly statements. These monthly statements list all transactions made on your checking account. Compare our checking accounts to other financial institutions. It’s easy to see why so many members are taking advantage and enjoying the many benefits our checking accounts have to offer.
Members Advantage Checking
- Three Free boxes of checks per year
- $700 Overdraft Privilege
- Free single-signature traveler’s checks
- and so much more!
Contact your Member Services Representative Today. You’ll love the advantages of Members Advantage.
A Discretionary Overdraft Service
It is the policy of Complex Community Federal Credit Union to comply with applicable laws and regulations, and to conduct business in accordance with applicable safety and soundness standards.
A non-sufficient funds (negative) balance may result from: A) The payment of checks, electronic funds transfers, or other withdrawal requests; B) Payments authorized by the member; C) The return, unpaid, of items deposited by the member; D) The imposition of applicable service charges; or E) The deposit of items which according to the Credit Union’s Funds Available Policy, are treated as not yet “available” or finally paid.
Complex Community Federal Credit Union is not obligated to pay any item presented for payment if member’s account does not contain sufficient collected funds. Rather than automatically returning, unpaid, any non-sufficient funds items that the account may have, if the eligible account (primarily used for personal and household purposes) has been open for at least sixty (60) days and thereafter the member maintains the account in good standing, which includes at least: A) Continuing to make deposits consistent with member’s past practices, and depositing at least $400 or more in member’s account within each thirty (30) day period, B) Members are not in default on any loan obligation to the Credit Union, C) Members bring their account to a positive balance (not overdrawn) at least once every thirty (30) days, and D) Member’s account is not the subject of any legal or administrative order or levy, we will consider, without obligation on our part, approving member’s reasonable overdrafts. This discretionary *service will generally be limited to a $400 overdraft (negative) balance for Free Checking accounts, and $700 overdraft (negative) balance for other eligible personal checking accounts (like Member’s Advantage Checking).
Any and all fees and charges, including without limitation our non-sufficient funds/overdraft fees ($25.00 per item as set forth in our fee schedules) will be included in this limit and will apply to any transaction that overdraws member’s account including, but not limited to, payments authorized by Checks, ACH / Electronic Items, Internet Banking / Online Banking and Telephone Banking Transactions.
Complex Community Federal Credit Union may refuse to pay an overdraft for members at any time, even though the member’s account is in good standing and even though we may have previously paid overdrafts for the member. Members will be notified by mail of any non-sufficient funds items paid or returned that members may have; however, we have no obligation to notify the member before we pay or return any item. The amount on any overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s) that members owe us shall be due and payable upon demand.
If there is an overdraft paid by us on an account with more than one (1) owner on the signature card, each owner, and agent if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s).
LIMITATIONS: Available only to eligible personal checking accounts primarily used for personal and household purposes. All Business Type Accounts, All Savings Type Accounts, All Money Market Accounts, All Public Fund / Charitable Organization Accounts and Student Minor Accounts are not eligible. We may limit the number of accounts eligible for Overdraft Privilege Service to one account per household.
*The Overdraft PrivilegeSM Service does not constitute an actual or implied agreement between the member and the Credit Union. Nor does it constitute an actual or implied obligation of or by the Credit Union. This service represents a purely discretionary courtesy or privilege that the Credit Union may provide to the member from time to time and which may be withdrawn or withheld by us at any time without prior notice or reason or cause.
We have your best interest in mind with share draft (checking) accounts. CCFCU offers its members a checking account with several advantages over other financial institutions’ checking accounts including up to $700 Overdraft Privilege and local ATM network.
Having a checking account at CCFCU allows you to have access to your account 24 hours a day.
When you combine your checking account with an ATM/Check Card, Direct Deposit services, FREE EZ Bill Pay and EZ Web Account Access, it becomes one of the most convenient accounts you’ll ever open.
Our Basic Savings
A regular share/savings account is opened by you when you join the Credit Union. Your savings are called “shares” because they represent shares of ownership. Think of it as a regular savings program.
The basic savings account of $25 must be maintained to preserve your membership. Dividends are paid quarterly on the average daily balance of $100 or more. Share balances below $100 will not earn a dividend.
A Certificate of Deposit Product
Share Certificates are available with terms ranging from 6 months to 5 years. Dividends can be transferred to your share/savings account, MMAC account, draft/checking account or paid directly to you by check. CCFCU’s Share Certificates and Jumbo Share Certificates offer rates that are among the most competitive in today’s market.
An IRA lets you defer tax dollars now while you save for retirement. If eligible, you can contribute up to a maximum of $5,000 each year to your IRA. The yearly amount you contribute could be deductible from your taxable income (if you are over 50, this amount is $6,000). You pay no taxes on the principal or the accrued interest until you begin withdrawals, at which time you will likely be in a lower tax bracket. CCFCU invites you to talk with our IRA consultant for specific information about account procedures, rates and legal requirements.
Our Big MMAC is a money market account that provides more access than a traditional Share Certificate. With a Big MMAC account, you can withdraw or transfer up to three times per month, no less than $200 per withdrawal with no penalties. A minimum deposit of $2,000 is required to open. Your dividends are paid monthly on the daily balance.
- Super Senior Account
- Student Account
- Christmas Club Account
- Scottie Savers Kids Account
- CAMPUS Youth
Extra Benefits for our Seniors
Being 55 years of age and over can be a great advantage to you at Complex Community Federal Credit Union. The “Super Seniors Club” was especially designed for those 55 years and over as an extra benefit for our senior members.
Being part of this club will enable you to receive the following benefits:
- No charge for basic style checks (150 checks per order)
- Free checking account
- No charge on Pulse card (ATM) service
- No charge for single-signature Travelers Checks
- No charge for Cashier’s Checks
- No charge for stop payments
- No charge for check copies
- No charge for extra copies of statements
So be sure to ask our Member Services Representative on how to sign up for the “Super Seniors Club”!
An account for the busy college student and some peace-of-mind for mom and dad! That’s our College Student Account.
This versatile account features:
- No monthly service fees
- $400 Overdraft Privilege*
- FREE Basic Checks
- $100 minimum to open account
- FREE ATM/Check Card
A Great Club to Join!
Your Credit Union features specialized savings accounts designed to fit your particular needs, such as our Christmas Club. With at least a $25 opening deposit, you can begin your savings for that special Christmas! Make as many deposits as you want throughout the year. Withdrawals cannot be made before November. If a withdrawal is made before November, your account is closed and you cannot reopen until the following January. Dividends are paid monthly on your daily balance.
For Young People Learning to Save
This special savings club is open to all eligible members 2 through 12 years of age. It’s easy and simple to join and the kids can learn how to save and have fun earning prizes. All you have to do is open a membership account with at least $25.00. Dividends are paid quarterly on the average daily balance of $100 or more.
For Your Teen . . . Saving and Spending
This account is desgined for the teen in mind. Help them start on a bright and healthy financial path with tools to teach them how to save and how to spend responsibly.
FREE Checking & ATM/Check Card
ATM Card for Savings Only accounts
Credit Cards for the first time borrower
First Time loans
Loan Rate incentives
Bonus on Savings with special rates on Share Certificates
Come by or call and visit with on of our Member Service Representatives today to learn more about CAMPUS.
We have a number of accounts designed to meet the needs of some of our very special members. Whether you are a senior citizen, youth or college-age member, we have an account for you. We even have a special account to help you save for Christmas.
Call us at 432.550.9126 or stop by any of our convenient locations. Let us help you find the account that best suits your individual needs.
… the unique program that lets you earn rewards just for using your Complex Community Federal Credit Union UChoose Credit Card or VISA Check Card. There is no cost for the *UChoose *program, so start using your cards for every purchase.
You’ll be amazed at how quickly your points add up. You earn one point for every dollar spent on eligible UChoose credit card purchases. You earn one point for every two dollars spent on eligible Complex Community VISA Check Card purchases. Then, exchange your points for free travel, merchandise, gift cards, down-loadable rewards, and more.
So, let your imagination run wild. Use your card for every purchase … food store …dentist … gas station … restaurant. In a short time, you will be enjoying some of the best rewards in the country.
Resister today to begin earning points!
Log in to uchooserewards.com
Where can I earn points?
Anywhere your card is accepted.
When can I redeem my points?
It can take up to 40 days for your points to be credited to your account. You must accumulate 1,500 points before you can redeem your points. After that, you can redeem for any number of amazing items. Simply look for your “Total Points” at the top of any page to see how many points you have available for redemption.
What can I redeem my points for?
It’s your choice! You can choose from millions of options, whether it’s products, travel experiences, activities, event tickets, or more! Simply visit the Redeem Points page and click on the category that suits your interests.
We keep track of all the points you earn and will help you find just what you’re looking for when you’re ready to redeem. We even have a Wish List that will help you track when you’ve earned enough to redeem a specific item.
Where can I view my point activity?
You can access the history of your point activity on the Point Details page.
What if I shopped at a participating retailer, but my points aren’t showing up?
It can take up to 30 days for transactions to appear on the Points Details page. If points from a qualified transaction do not appear after 30 days, contact us for assistance.
How much does it cost to participate?
There’s no cost. Membership in UChoose Rewards is absolutely free for CCFCU cardholders. So, start shopping and earning today!
What if I have another question?
If you have other questions not answered here, you can contact your UChoose Specialist at email@example.com