Products and Services

Address Change Request Form

Visa Credit Cards

Experience the benefit of City Co FCU membership with our low rate VISA card.

• Rates as low as 8.50% APR (Rates range from a low of 8.50% APR to 16.50% APR depending upon your credit worthiness).
• No annual fee
• No balance transfer fee
• 25 day grace period for payment convenience

Save money and enjoy the convenience of a City Co FCU Visa card. Apply today with the on-line link.

• Home Equity
  Lending up to 15 years at maximum of 80% of the Home Value. For more information or to apply, please download and fill out our application.
  

• New and Used Car Loans
  Thinking about that new vehicle? Need a bigger car for the family? Then call
  or apply with City Co Federal Credit Union for our great car loan rates and
  we'll get you cruisin’ in style.

• Unsecured Personal Loans
  Based on your credit status, you may qualify up to $7,500.00 on your signature.

• Share Secured Loan
  Use your savings account funds to secure your loan while earning dividends
  on your account.

Other Services - Electronic Transactions

• Payroll Deduction
• Direct Deposit
• ACH Debit/Credit

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Overdraft Advance/Courtesy Pay Program

It happens to the best of us. We unintentionally write a check for more money than we have in our checking account, forget to record an ATM withdraw, forget to note a debit transaction, or forget to note an automatic bill pay deduction. Whatever the reason, a check returned for insufficient funds (NSF) is both costly and embarrassing.

You can end all that with Overdraft Advance/Courtesy Pay in conjunction with your free credit union checking account. Below is the link for both the letter sent to our members and the application.

DISASTER RECOVERY INFORMATION

The Tornado in Moore, Oklahoma in 2013, Hurricane Sandy in 2012, or Hurricane Katrina in 2005; and so many other natural disasters has taught us all valuable lessons. Disasters can happen anywhere and your Credit Union can experience interruption in service from power outages, severe storms, fire, and terrorist attacks. Your Credit Union is taking a proactive approach to this potential problem. Therefore, in case of a disaster involving City Co Federal Credit Union, we are asking our members to check our website or our Facebook for further instructions, and/or listen to your television, radio, iPhones, or any other type of communication devises possible. We will make a public announcement to our members as soon as possible.

Regular Savings Accounts

A $25.00 initial minimum deposit is required which reflect your share of the
City Co Federal Credit Union, an interest earned account which is paid quarterly.

MEMBERS PERSONAL ACCOUNT PASSWORD
We are asking our members when they come into the office or when they call us, to speak with the MSR and setup their own Personal Account Password. By doing so, this will add an additional layer of security and will benefit both our member and the Credit Union.

Share Draft Checking Accounts
There are no minimum balances and no monthly maintenance fees. Stop by the credit union and one of our staff members will assist you in opening a account. There are many styles of checks to choose from.

DORMANT ACCOUNT FEE

Dormant accounts are of no advantage to you, our members, or to us. We are asking our members to please take a look at your statement and determine if you are using your account with us, and/or if you still want to maintain your account with City Co FCU. Your account must be maintained, even if it’s not being used. A phone call to our office acknowledging the account, or a small deposit is all that is needed to remove the Dormancy status. As of 12/01/2013, we began charging a $5.00 monthly dormant account fee to accounts that have not had activity for at least two years or longer.

Ask us how you can use automatic transfers or payroll deduction to make saving painless and keep your account from going dormant. Even saving a little at a time can add up to a lot. Please call us or stop by the Credit Union office and we’ll show you how.

ATM/Debit Card

It's time to pay for your purchases with the cashier, you have to write a check, but you need to show your Driver’s License along with other information they require, can you Verify that information? Forget the hassle, use your ATM/ Debit card, it’s quick, fast and convenient. It is accepted almost anywhere a VISA logo is shown, and best of all it comes right out of your checking account, it’s not a credit card-it only looks like one. Also, any Dollar Bank ATM is FREE (no fee is charged).

Christmas Club Accounts
City Co FCU is pleased to offer its members Christmas Club Accounts. They are transferred to your savings account the first week of October each year and are automatically renewed each year. Plus, you have the option to withdrawal or transfer funds from the account at any time. There is no penalty for early withdrawal which is an added benefit for you should something unexpected happen. If you are interested in starting a new Christmas Club, please call us or stop by the office. We will be more than happy to help you achieve this either through payroll deduction or ACH. Christmas Club accounts are a great way to make your Holidays a little brighter.

Vacation & Special Share Accounts
There is no minimum balance required in these accounts And can be used for any
special occasion. These accounts also earn dividends quarterly.

Notice of Change - Funds Availability Policy Effective June, 2019, any checks deposited will be given at least $225 next day availability in accordance with our Funds Availability Policy. For additional disclosure information, please refer to our Funds Availability Policy available at all office locations.

SPRINT CELL PHONE DISCOUNT

Why throw away your money? Do yourself a favor and start saving today! As a Credit Union member, there's never a better time to save money on your wireless phone service. Do yourself a favor and start saving today!

• 10% off most regularly priced Sprint individual service plans
• 15% off most regularly priced Sprint business service plans
• National rates with no roaming or long distance char

For this exclusive discount, tell them you're a Credit Union member. Ask to be attached to the NACUC_ZZM corporate ID. For individual or business accounts cal 877.728.3428 or click on www.sprintsave4cu.com or visit the nearest Sprint retail location.

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SERVICES & BENEFITS

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Surcharge Free ATMs