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A substantial number of Members have heard the news about our proposed partnership and shared their excitement. The addition of branches, the availability of more products and services, and the continuity of World-Class Service are just some of the reasons youíve told us why youíre in favor of our proposed merger with Credit Union of Southern California (CU SoCal).

We know you look forward to the additional value this merger will bring and we are diligently working toward uniting our two well-run credit unions. We have provisional approval from the Department of Business Oversight to move forward and are now awaiting approval from the NCUA. We will keep you updated on our progress and, following regulatory approval, will ask you to vote on our merger.

The union between CCCU and CU SoCal will combine two healthy, well capitalized, and financially sound credit unions. Unlike bank mergers that are designed to make money for stockholders, this exciting partnership benefits you. It will provide you with additional products, conveniences, and value that would take CCCU years to provide you on our own. Combining our two healthy organizations will immediately provide you with greater value and convenience.

Your accounts will continue to be federally insured with equal coverage, and youíll see the same friendly faces in your branch as you see today. All front-line employees will remain with our combined organization.

If you have any questions, please contact us at (909) 476-8018. We welcome your feedback. Click here to read our Q&A for additional information.


Your Supervisory Committee is conducting the annual verification of all CU accounts. You are encouraged to review your statement. If you find errors, omissions. Or discrepancies, please report them to Arnold Ramirez at or PO Box 1471, Guasti, CA 91743

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Scammers are finding new ways to get your personal information and now they are invading our cell phones ... click here for important information!

Member Cellular Discounts with Sprint

Regular Share-Savings
Watch your dividends grow at CCCU. We calculate dividends on your average daily balance, then compound and pay them quarterly. You will receive your monthly Share Account Statement by mail. Note: Federal Regulations limit the number of regular share transfers and/or withdrawals to six per month, including overdraft protection transfers.

>>click here for the Investments page for Members Financial Network

>> click here to see our latest savings rates

Young Savers (0-12)
Children up to the age of 12 may have their own Young Savers Account at CCCU. The required minimum balance is only $5, and the account begins earning dividends immediately. CCCU also holds contests and drawings for its Young Savers, and the account is an excellent way to help them develop good savings habits for the future. College Saver Share Certificates are also available.

Future Leaders (13-21)
The Future Leaders Program is available to young people from age 13 through 18. The program offers several types of financial services: Future Leaders savings account, checking account, College Saver Share Certificates, scholarships, special loans, training in financial planning, and other services specially geared to helping this age group develop financial responsibility and leadership skills. The Future Leaders savings account has a minimum balance of $10, and there are no membership fees. The account earns dividends beginning with the opening deposit.

Individual Retirement Accounts
You may deposit up to $5,000 ($6,000 if you are over 50) of your earned income each year in a high-yielding IRA to provide for your retirement. Your IRA savings may be eligible for tax deferral, depending upon whether you are eligible to participate in another retirement plan. If you do, your income will determine how much, if any, of your IRA deposits qualify for deferral. Your IRA earnings are automatically tax-deferred without qualifications. You may deposit in person, by payroll deduction or by transfer from another account or financial institution. IRA deposits may be made through April 15 for the previous yearís contribution. Dividends are calculated on your average daily balance and are compounded and paid quarterly.

Basic Checking
The Basic Checking Account requires no minimum balance, has no monthly service charge or per-check charges and has no dividend payment. The account offers unlimited check writing, overdraft protection and access by automated telephone system, online home banking and ATM. You may withdraw any amount up to your account balance by draft, or up to $300 per day through the CCCU ATM network connection. Check images are available on demand through our home banking program.

Need to reorder checks? Just call 1-800-355-8123 or online visit

Interest Checking
Pays dividends on an average daily balance of $1,000 and up. Minimum balance required to earn dividends and avoid a service charge is $1,000. The account has no monthly service charge unless your balance is below $1,000 at any time during the month; if this happens, your account will be subject to a $6 service charge for that month. The account offers unlimited check writing, Visa debit card access, overdraft protection and access via the automated telephone system, online home banking and by ATM. You may withdraw any amount up to your account balance by draft, or up to $300 per day through the credit unionís ATM network.

Money Market Savings Account
With CCCU, you have access to terrific money market rates without having to maintain high minimum balances. Our tiered money market account is a great way to earn more dividends on your savings while maintaining flexibility over your funds.

  • Tiered dividend rates - the more you save the higher your earnings
  • No monthly fee
  • Unlimited in-person withdrawals or transfers
  • Up to six pre-authorized withdrawals or transfers per month
  • Up to three may be by check or electronic withdrawals
  • FREE personalized checks
  • Access your CCCU money market through online banking or the telephone teller

Debit Cards
Looks like a credit card and works like a check...Your Credit Union has an outstanding Debit Card Program!

With the Debit Card you can:
Access your Credit Union share Draft/Checking account worldwide!
Get cash at any ATM displaying the Visa and/or Star logo.
Use your Debit Card to purchase goods and services exactly like you would use a Visa Credit Card...except that, instead of borrowing for a fee, you are accessing your Share/Draft Checking Account for Cash!

Any merchant that honors Visa Credit Cards will accept your Visa Check Card, even those who do not accept regular checks!

Share Certificates
Choose from our Regular Share or, for our members 55 and older, our Silver Share Certificates. Terms are available from three months to one year. College Saver and Coverdell Educational Savings Account Certificates are also available.


Phone: (909) 476-8018 | Fax: (909) 476-8515 | Email:
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency
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