Open your private branch in the palm of your hand.
Manage your Community Credit Union accounts anytime, anywhere.
Benefits You'll Love
- Free services for credit union members
- Flexibility to manage your money on your terms
- More time in your day with fewer branch visits
- Extra peace of mind with custom account alerts
- View current balances, including detailed histories.
- Download transaction history into personal financial software (not available on Mobile app).
- Transfer funds between accounts, including setting up automatic transfers.
- Request check withdrawals and stop payments.
- View cleared checks.
- Communicate with CCU via secure e-mail.
- View monthly statements.
- Utilize the Bill Payer program.
- Set up Alerts.
Enrollment Instructions
- Digital Banking is a secure way to access your account electronically. To set up Digital Banking click register on the Digital Banking Login in the navigation and follow the steps. You will need to know your savings account number and have a valid email address associated with your account to complete the process.
Once you set up your Digital Banking, you can also enroll in Bill Payer. Our Bill Payer service is offered as a free service to our members.
- Schedule up to a year's worth of payments in advance.
- Pay bills automatically, when you’d like and how much you’d like.
- Review a full payment history at any time you choose.
- Make changes to payments whenever you need to.
- Access Bill Payer anytime with Digital Banking.
A non-use fee will be assessed monthly if a member is enrolled in Bill Payer but hasn’t utilized the service for over 60 days.
See Bill Payer in action. View our Bill Payer tutorial video.
Try Bill Payer before you enroll. Access the interactive demo.
Monitor account activity with this free service.
Navigate to the Alerts menu in Digital Banking and set up alerts related to balances, transactions, login attempts, and messages.
Alerts can be set up to notify you via email or text message. Select your preferred frequency of alerts. Notifications can be sent within minutes of the activity occurring in your account.
- Access monthly and quarterly statements faster, from wherever you choose.
- Have no extra fees or costs.
- Rest assured your statement is secured with login credentials.
- Review your previous statements.
- Save your statement as a PDF or print it using your own printer.
- View newsletters, inserts, or other communications in your statement.
Log into Digital Banking and select the eStatements tab to see your most recent statements. Not already signed up for eStatements? Sign up through Digital Banking today!
- Set up an investment account in minutes.
- Partnership with Access Softek Advisory Services, LLC and DriveWealth LLC, a SEC-registered broker-dealer and member FINRA/SIPC. Access Softek Advisory Services, LLC is an investment advisor that is not affiliated with your Credit Union.
- Get assistance selecting investments that match your financial situation
- Track your new account through your existing online account
- Your account will be held at DriveWealth, LLC an independent broker/dealer that is not affiliated with your Credit Union.
Mobile Banking Requirements
- Mobile device must have web access
- Must be enrolled in Community Credit Union's Digital Banking
- Must have a current email on file to receive one-time PIN
Mobile Deposit
Follow these simple steps to deposit checks whenever and wherever you want.
- Log into Mobile Banking.
- Click Mobile Deposit.
- Choose the account you wish to deposit the check into.
- Enter the amount of the check.
- Endorse the back of your check with "for Mobile Deposit Only", also include your account #, date and signature.
- Select "Tap here to take a picture of the front of the check", then select "Tap here to take a picture of the back of the check."
- Review your deposit and tap the "submit" button to deposit the check.
Please Note
Checks deposited through Mobile Deposit Capture may be subject to a check hold. Please call the credit union at 207-783-2096 or refer to the Membership Agreement.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
ATVs, Motorcycles, Snowmobiles, Lawn Tractors
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 6.75% APR* | $86.42 |
| 2 years | 6.75 % APR* | $44.66 |
| 3 years | 6.75 % APR* | $30.77 |
| 4 years | 7.25% APR* | $24.07 |
| 5 years | 7.25% APR* | $19.93 |
| 6 years** | 7.50% APR* | $17.30 |
Click to see Rate Discounts. Collateralized Loans require full coverage insurance. Rates are subject to change without notice. Available terms may be subject to minimum amount financed. Recreational Vehicle rates apply to 2013-current model years. **2024 Untitled Motorcycle units may go up to 72 months. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Career Advancement Loans
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 8.75% APR* | $87.35 |
| 2 years | 8.75% APR* | $45.58 |
| 3 years | 9.25% APR* | $31.93 |
| 4 years | 9.25% APR* | $25.01 |
| 5 years | 9.75% APR* | $21.13 |
| 6 years | 10.00% APR* | $18.54 |
| 7 years | 10.00% APR* | $16.61 |
| 10 years | 11.75% APR* | $14.21 |
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. Maximum loan amount is $20,000. Career Advancement Loans may be deferred up to 180 days from disbursement date. Interest will continue to accrue.
Certificate Secured Loans
| Term | Rates As Low As |
|---|---|
| 6 Months | 7.25% APR* |
| 1 Year | 7.00% APR* |
| 2 Years | 7.25% APR* |
| 3 Years | 7.00% APR* |
| 4 Years | 6.80% APR* |
| 5 Years | 6.80% APR* |
Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Certificates
| Term | Dividend Rate | APY** |
|---|---|---|
| 6 Months | 4.25% | 4.33% |
| 12 Months | 4.00% | 4.07% |
| 2 Years | 3.75% | 3.82% |
| 3 Years | 3.50% | 3.56% |
| 4 Years | 3.30% | 3.35% |
| 5 Years | 3.30% | 3.35% |
Minimum balance to open the account and earn the APY is $500 for Share Certificates, Traditional, SEP, Roth and Educational IRAs. 6 month term is not available for IRA Certificates. IRA Certificates are available as a Roth, Traditional, SEP or ESA. Rates are subject to change without notice. Fees could reduce the earnings on this account. Early withdrawal penalties may apply. **APY = Annual Percentage Yield.
Credit Builder Loans
| Term | Rates As Low As |
|---|---|
| 12 Months | 0% APR* |
| 18 Months | 0% APR* |
| 24 Months | 0% APR* |
Loan amount not to exceed $2,000. Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Health Savings Accounts
| Average Daily Balance | Dividend Rate | APY** |
|---|---|---|
| $100 - $1,000 | 0.05% | 0.05% |
| $1,000.01 - $5,000 | 0.05% | 0.05% |
| $5,000.01 - $10,000 | 0.10% | 0.10% |
| $10,000.01+ | 0.15% | 0.15% |
There is no minimum balance to open the account. Minimum balance to earn the APY is $100 for Health Savings Accounts. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Home Equity Loans
| Type | Rates as Low as |
|---|---|
| Home Equity (up to 80% LTV) | 8.50% APR* |
| No Equity Home Equity (up to 95% LTV) | 9.75% APR* |
*APR = Annual Percentage Rate. The APR is the Credit Union's standard rate. The rate may vary depending on each individual's credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. This is a mortgage product and may be subject to additional fees such as appraisal and/or title. Homeowners insurance required. Flood insurance required when necessary. Rate is adjusted quarterly based on the prime rate as published in the Wall Street Journal.
Jumbo Certificates
| Term | Divided Rate | APY** |
|---|---|---|
| 6 Months | 4.50% | 4.59% |
| 12 Months | 4.25% | 4.33% |
| 2 Years | 4.00% | 4.07% |
| 3 Years | 3.75% | 3.82% |
| 4 Years | 3.55% | 3.61% |
| 5 Years | 3.55% | 3.61% |
Jumbo Certificates have a minimum balance of $100,000. 6 month term is not available for IRA Certificates. IRA Certificates are available as a Roth, Traditional, SEP or ESA.
** Rates are subject to change without notice. Membership eligibility required. A penalty may be imposed for early withdrawal. Contact a Relationship Specialist for more information on applicable fees and terms. Minimum balance required for a share account at Community Credit Union is $5. Rates are subject to change without notice. Membership eligibility is required. Some restrictions may apply. This Credit Union is federally insured by NCUA and is an Equal Housing Lender.
Kasasa Cash*
| Average Daily Balance | Dividend Rate | APY** |
|---|---|---|
| 0 - $10,000 | 3.928% | 4.00% |
| $10,000+ | 0.25% | 0.59% to 4.00% |
| All balances if qualifications not met | 0.05% | 0.05% |
*Kasasa Accounts do not have a minimum balance requirement to earn dividends. The dividend paid is dependent upon meeting account qualifications and account balances. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Kasasa Saver*
| Average Daily Balance | Dividend Rate | APY** |
|---|---|---|
| 0 - $15,000 | 1.24% | 1.25% |
| $15,000+ | 0.25% | 0.38% to 1.25% |
| All balances if qualifications not met | 0.05% | 0.05% |
*Kasasa Accounts do not have a minimum balance requirement to earn dividends. The dividend paid is dependent upon meeting account qualifications and account balances. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Lines of Credit
| Type | Rates As Low As |
|---|---|
| Unsecured | 13.25% APR* |
| LeCheque Mate Overdraft Protection | 6.75% Prime** + APR* |
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. Subject to credit approval. Rates are subject to change without notice. Maximum line of credit is $20,000.
**Rate is adjusted quarterly based on the prime rate as published in the Wall Street Journal.
Manufactured Housing
| Type | Rates As Low As |
|---|---|
| In a Park | Rates change daily. Contact a Loan Officer for current rates. |
| Singlewide | Rates change daily. Contact a Loan Officer for current rates. |
Rates are subject to change without notice. Down-payment may be required to purchase real estate. Homeowners insurance required. Flood insurance required when necessary.
Money Markets
| Average Daily Balance | Dividend Rate | APY** |
|---|---|---|
| $2,500 - $24,999.99 | 1.75% | 1.76% |
| $25,000 - $74,999.99 | 2.00% | 2.02% |
| $75,000 or more | 2.25% | 2.27% |
Minimum balance to open the account and earn the APY is $2,500 for Money Markets. Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Mortgages
| Type | Rates As Low As |
|---|---|
| 1st Mortgages | Rates change daily. Contact a Loan Officer for current rates. |
| Land | Rates change daily. Contact a Loan Officer for current rates. |
| Construction | Rates change daily. Contact a Loan Officer for current rates. |
| Land and Manufactured Housing | Rates change daily. Contact a Loan Officer for current rates. |
Community Credit Union partners with CUSO Mortgage.Click here for rates and more information on CU Promise and CU Advantage.
Rates are subject to change without notice. Down-payment may be required to purchase real estate. The credit union may lend up to 95% of the appraised value or cash selling price, whichever is less. Hazard insurance required. PMI may be required. Homeowners insurance required. Flood insurance required where necessary. Excludes manufactured home and land. Property must be your primary residence, 1-4 family, owner occupied to qualified borrower only.
Motorcoaches, RV's, Boats and Travel Trailers
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 6.75% APR* | $86.42 |
| 2 years | 6.75% APR* | $44.66 |
| 3 years | 6.75% APR* | $30.77 |
| 4 years | 7.25% APR* | $24.07 |
| 5 years | 7.25% APR* | $19.93 |
| 6 years | 7.50% APR* | $17.30 |
| 7 years | 7.50% APR* | $15.35 |
| 10 years | 8.50% APR* | $12.41 |
| 12 years | 8.75% APR* | $11.25 |
| 15 years | 9.00% APR* | $10.15 |
Click to see Rate Discounts. Rates are subject to change without notice. Available terms may be subject to minimum amount financed. Collateralized Loans require full coverage insurance. Recreational Vehicle rates apply to 2013-current model years. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
New/Used Auto Loans
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 6.35% APR* | $86.23 |
| 2 years | 6.35% APR* | $44.48 |
| 3 years | 6.35% APR* | $30.59 |
| 4 years | 6.60% APR* | $23.77 |
| 5 years | 6.60% APR* | $19.62 |
| 6 years1 | 6.85% APR* | $16.98 |
| 7 years1 | 7.60% APR* | $15.33 |
Click to see Rate Discounts. Loans require full coverage insurance. Rates are subject to change without notice. New/Used Auto rates apply to 2013-current model years. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Auto Term Guide
- Not actual mileage, add 2.00% APR*
- Salvage Vehicles, add 2.50% APR* (100% financing not available)
- Auto loans may qualify for financing up to 150% of retail value to include sales tax and documentation fees and back end including GAP and Service Contracts.
One Payment Notes
| Type | Term | Rates As Low As |
|---|---|---|
| Secured | 12 Months | 11.50% APR* |
| Unsecured | 12 Months | 14.50% APR* |
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice.
Rate Discounts
| Discount | |
|---|---|
| Auto PayAuto Pay is when you authorize the Credit Union to set up a recurring payment transfer for your loan on a regular basis (weekly, bi-weekly, monthly). This can be set up to transfer from an account at Community Credit Union or an ACH payment using your checking and routing number from another financial institution. | |
| Debt ProtectionDebt Protection is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. We offer a Debt Protection Plan through TruStage Insurance Agency which provides a voluntary payment protection product that can provide financial assistance to cover your loan balance or monthly payment(s). Protected events include: loss of life, disability or involuntary unemployment. Simple eligibility requirements help ease the enrollment process. | |
| GAP**Guaranteed Auto Protection (GAP) is valuable coverage offered to car buyers as part of the auto loan process. GAP pays the difference between the actual cash value (ACV) of an insurance company settlement and the eligible balance of your auto loan in the event your vehicle is stolen or damaged beyond repair. | |
| CU Certified Vehicle Service Contract**Best in class automobile mechanical breakdown coverage for you. CU Certified pays for the replacement of covered part(s) and the labor to install the failed covered part(s). The CU Certified program pays for diagnostics, taxes, fluids, and filters in conjunction with covered repairs. National acceptance, trip interruption, wrap coverage, and 24-hour roadside assistance are some of the ancillary benefits of coverage. |
Rate discount is applied if the associated product is purchased or set up at the time of initial loan closing. Discounts are subject to change without notice. **Eligible on qualifying vehicles, not all vehicles eligible
Share Secured Loans
| Term | Rates As Low As |
|---|---|
| 1 Year | 3.03% APR* |
| 2 Years | 3.03% APR* |
| 3 Years | 3.53% APR* |
| 4 Years | 3.53% APR* |
| 5 Years | 3.53% APR* |
Rates are subject to change without notice. *APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval.
Shares/Club
| Type | Dividend Rate | APY** |
|---|---|---|
| Share1 | 0.03% | 0.03% |
| Vacation Club2 | 0.03% | 0.03% |
| Christmas Club2 | 0.03% | 0.03% |
| Flex Club | 0.03% | 0.03% |
| MatriMoney | 0.03% | 0.03% |
| IRA Club | 0.05% | 0.05% |
Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
1Minimum balance to open the account and earn the APY is $5 for Shares. If the Share account is closed within the first 6 months, it is subject to a closing account fee. 2Subject to early withdrawal penalty if funds are withdrawn before the maturity date.
Signature (Unsecured) Loans
| Term | Rates As Low As | Payment per $1,000per month of repayment |
|---|---|---|
| 1 year | 12.25% APR* | $88.99 |
| 2 years | 12.25% APR* | $47.21 |
| 3 years | 12.75% APR* | $33.59 |
| 4 years | 13.75% APR* | $27.21 |
| 5 years | 14.75% APR* | $23.67 |
*APR = Annual Percentage Rate. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors and subject to credit approval. Rates are subject to change without notice. Maximum loan amount is $20,000.
Test
<table style="height: 119px;">
<tbody>
<tr style="height: 17px;">
<th style="height: 17px; width: 70.0469px;" scope="col">Term</th>
<th style="height: 17px; width: 100.031px;" scope="col">Dividend Rate</th>
<th style="height: 17px; width: 42.5469px;" scope="col">APY**</th>
</tr>
<tr style="height: 17px;">
<td style="height: 17px; width: 70.0469px;">6 Months</td>
<td style="height: 17px; width: 100.031px;">4.25%</td>
<td style="height: 17px; width: 42.5469px;">4.33%</td>
</tr>
<tr style="height: 17px;">
<td style="height: 17px; width: 70.0469px;">12 Months</td>
<td style="height: 17px; width: 100.031px;">4.00%</td>
<td style="height: 17px; width: 42.5469px;">4.07%</td>
</tr>
<tr style="height: 17px;">
<td style="height: 17px; width: 70.0469px;">2 Years</td>
<td style="height: 17px; width: 100.031px;">3.75%</td>
<td style="height: 17px; width: 42.5469px;">3.82%</td>
</tr>
<tr style="height: 17px;">
<td style="height: 17px; width: 70.0469px;">3 Years</td>
<td style="height: 17px; width: 100.031px;">3.50%</td>
<td style="height: 17px; width: 42.5469px;">3.56%</td>
</tr>
<tr style="height: 17px;">
<td style="height: 17px; width: 70.0469px;">4 Years</td>
<td style="height: 17px; width: 100.031px;">3.30%</td>
<td style="height: 17px; width: 42.5469px;">3.35%</td>
</tr>
<tr style="height: 17px;">
<td style="height: 17px; width: 70.0469px;">5 Years</td>
<td style="height: 17px; width: 100.031px;">3.30%</td>
<td style="height: 17px; width: 42.5469px;">3.35%</td>
</tr>
</tbody>
</table>
Visa Business Credit Cards
| Interest Rates and Interest Charges | Rates As Low As |
|---|---|
| Purchases | 15.90% APR* |
| Balance Transfers | 15.90% APR* |
| Cash Advances | 15.90% APR* |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore. |
Visa Classic/Secured Credit Cards
| Interest Rates and Interest Charges | Rates As Low As |
|---|---|
| Purchases | 13.90% APR* |
| Balance Transfers | 13.90% APR* |
| Cash Advances | 13.90% APR* |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore. |
Youth Accounts
| Type | Dividend Rate | APY** |
|---|---|---|
| Monty Moose | 0.03% | 0.03% |
| Life Saver | 0.03% | 0.03% |
| Teens Love Cash | 0.03% | 0.03% |
Accounts are a variable dividend rate and variable APY. Rates are subject to change without notice. Fees could reduce the earnings on this account. **APY = Annual Percentage Yield.
Minimum balance to open the account and earn the APY is $5 for Monty Moose, Life Saver and Teens Love Cash accounts.
