Becoming
A Family Member
Are you an employee of one of our Community Partners? Do your children attend school in one of our partnering
schools in Jackson and Ingham counties?
Are you involved with any of the organizations or churches included in our field of membership?
Are you a family member of a current member?
Our vast field of membership makes it easy for nearly
everyone to join. Over the years we have grown to serve
businesses, organizations and schools in the Jackson,
Brooklyn, Parma and Mason areas.
Joining our family is easy, and all you need is a one-time
$1 membership fee plus a $5 minimum deposit in your
savings account. This is your share in the Credit Union,
which allows you to vote for your Board of Directors.
Visit any of our convenient locations or call us at
(517) 784-7101 to join today!
There are so many reasons to love banking with us,
and saving time is a huge benefit with these services:
Shared Branching
We’re part of the CU Service Centers Network, a national coalition of credit unions handling transac- tions for each other’s members from coast to coast.
CO-OP ATM Locator
Find a nationwide network of surcharge-free ATMs at co-opnetwork.org.
Teller 24
Check balances, transfer funds, withdraw funds and more by calling (517) 784-5669 or (800) 252-4831.
Online and Mobile Banking
FREE Online and Mobile Banking allows you to view real- time balances, transfer funds, pay bills and much more.
We
Go Everywhere
Convenient
Services
Saving time and earning free
rewards should come to mind when you
think of banking with us. Or, consider the
amount of convenient services we offer.
Online and Mobile Banking, Bill Pay - FREE
Products that are simple to use with high levels of security. View real-time balances, transfer funds and pay bills.
eStatements - FREE
Reduce clutter and make it easier to retrieve information.
ScoreCard
®Rewards Debit Card
Earn valuable rewards with every purchase.
Shared Branching
A national coalition of credit unions handling transactions for each other’s members from coast to coast through CU Service Centers Network.
CheckMate Overdraft Privilege
Limited coverage upon qualification, or opt-in for full protection.
Financial Hardship Solutions - FREE
Anonymous financial counseling and assistance.
Additional Services
CO-OP Concierge Program, Direct Deposit, Notary Service, Safe Deposit Boxes, Teller 24 and more.
Member Discounts
m
Kick back and relax because online banking can save
you tremendous time and money. This free service lets
you manage your accounts from the convenience of
your home, office, hotel, or anywhere you find an
Internet connection.
Online Banking
& Bill Pay
• Free service available 24/7
• Simple to use
• Transfer funds
• View balances in real-time
• Highest level of security
• FREE online Bill Pay:
• Pay unlimited
bills through
one screen
• Enter payee info
only once
• Eliminate fees
• Set up recurring
payments and more
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cpfederal.com
m
Mobile
Banking
Being on-the-go isn’t
a problem with our
Mobile Banking application,
CP Federal. CP Federal can be downloaded
from the App Store
SM, or by using Google
Play™ Store app.
• View account balances
• View loan balances and history
• Transfer funds
• View privacy policy
• Share us via email and social network sites
• Change your password
• Locate ATMs
• Contact us
• View marketing messages
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There is no charge to download the CP Federalapp, but data and connectivity charges from your mobile service provider may apply. Please contact your mobile service provider for more information. Apple, the apple logo, and iTunes are trademarks of Apple Inc., registered in the U.S. and other countries. Google Play is a
Savings
& Investments
Our sole mission is to
strengthen your financial
health. We do that with better
savings options and deeper relationships.
Regular Share* Account
Gives you a say in everything we do.
Kasasa Saver** - FREE
High interest savings account.
CP Money Tree
Earn competitive dividends and gain greater flexibility.
Super Cash
Enjoy tiered rates for greater earning potential.
Club Accounts
Earn greater dividends than regular shares with a Vacation or Christmas Club account.
Share Certificates
Earn guaranteed, investment-level returns with zero risk.
Individual Retirement Accounts (IRAs)
Enjoy competitive dividends that are federally insured.
Health Savings Accounts (HSAs)
The perfect tool to gain wealth for your health.
*Required for membership. **See Member Disclosure for full details.
Checking
Accounts
We deliver checking
accounts designed around you.
You choose the one that fits your lifestyle.
Kasasa Cash*
This FREE, high interest checking account earns massive inter-est and ATM fee refunds (up to $20 per month when monthly qualifications are met) nationwide without costing you a cent! There are no monthly fees or balance requirements in order to earn. Just big time rewards for using your MasterMoney® Debit Card,
having Direct Deposit or one automatic payment, and using eState-ments. Also, add our FREE Kasasa Saver account to earn more.
Choice Checking*
Enjoy an amazing set of rewards and identity protection for a low monthly fee. Plus, there are ways you can reduce or eliminate your monthly service fee altogether by using your MasterMoney®
Debit Card and receiving eStatements. These are simple things you probably already do.
Golden Power Checking (members 50 and over)*
We invite you to enjoy the valuable benefits of Golden Power Checking featuring Benefits Plus® with the first year being free.
Allow us to help you save money with discounts and rebates on travel, entertainment, groceries and much more.
*See Member Disclosure for full details.
Teller 24
24-Hour Telephone Access
Dial (517) 784-5669 or (800) 252-4831 anytime
to conveniently access your account. Whether you’re
standing in the checkout line, relaxing by the
pool, or running errands your accounts are
always a dial away. Services available through
Teller 24 are:
• Balance inquiries
• Transfer funds
• Withdraw funds
• Other services
• Joint member inquiries
• Loan services and more
Loans
Rather than treat your
dreams like a spreadsheet,
we take your needs personally
and find solutions.
Home Mortgage and Equity Loans
Fixed and adjustable rate options; New home purchases and refinances; construction loans; vacant land loans; VA, FHA and Rural Housing. Also, Fixed and Line of Credit Home Equity loans.
Personal Loans and Revolving Line of Credit
Unsecured loans accessible through our teller line, Teller 24, Online Banking or Mobile Banking.
Consumer Loans
New or used autos, trucks, vans, recreational vehicles, motor homes, campers, boats, snowmobiles and more.
Partnering Auto Dealers
We have streamlined the car buying experience with our partnering auto dealers* into just one visit.
• Become a member of CPFCU while at the dealership
• Experience a fast and easy approval process at partnering auto dealers • Simply drive home in your
new vehicle
Online Applications
Visit cpfederal.com to apply online.
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*Visit cpfederal.com/personal/loans/auto-loans.htmlVisa
®
Credit Cards
The worldwide purchasing power of Visa
®is made
even better when paired with our hometown local
touch. We offer three cards to choose from:
Platinum, Gold and Classic which are all serviced
in-house and can be issued on-the-spot at select
locations. Applying is easy, so don’t wait to get the
card that gives you more of what you want.
Visa
®Platinum Preferred*
Receive our lowest interest rate of just 3.00% Annual Percentage Rate (APR) above Prime. The benefits with this card are no annual fee and a ScoreCard® Reward program which earns one
point for every $1.00 spent. Credit limits start at $5,000 and include Travel Accident Insurance of $1,000,000.
Visa
®Gold*
Offering a lower APR than the Classic with no annual fee and low monthly payments. Credit limits start at $3,000.
Visa
®Classic*
Receive a low interest rate with low monthly payments. Credit limits up to $10,000 with a $10 annual fee.
Online Applications*
Visit cpfederal.com to apply online.
*Subject to Credit Approval
Mortgage &
Home Equity Loans
We are committed to removing
any obstacles in the way of home
ownership dreams. We are proud
to have the lowest closing costs
in the area and great low rates
to match.
Just as important, we provide
truly personal service at an
un-matched level. We work closely
with you every step of the way.
Visit cpfederal.com to inquire
about Mortgage and Home
Equity loans online.
Mortgage Loans
*Consult a tax advisor. **Appraisal may be required.
• Low, competitive rates • Local and quick
decision-making • Lowest closing costs in
the area
• Golden Power and Choice Checking members receive $100 off closing costs • Close within 3-4 weeks • Non-conforming
loans available • FHA, VA and Rural
Development in partnership with Member First Mortgage
Home Equity Loans
• Low, competitive rates • Local decision-making • Interest may be tax deductible* • No closing costs** • Amount based on equity in home • Use funds for any purpose
“Leading Financial Education” is our motto of The Vault
program here at CP Federal Credit Union. It is our goal to
provide real life financial experiences and information to
the youth in our community in order to nurture financially
productive adults.
Investment
Services
We were founded with
the goal of assisting our
members in every aspect of their financial lives. That
includes day-to-day banking as well as more long-term
financial and investment needs. We can assist you in
the following areas:
Visit cpfederalinvestmentservices.com
to learn more.
Registered representative of and securities offered through Cetera Advisor Networks LLC, member FINRA/SIPC. Investments are: Not FDIC/ NCUSIF insured - May lose value - Not financial institution guaranteed - Not a deposit - Not insured by any federal govern-ment agency. Cetera is under separate ownership from any other named entity.
1100 Clinton Road, Jackson, MI 49202. (800) 554-7101.
• Annuities, bonds and mutual funds
• Life insurance
• Retirement
• College and more
Small
businesses have
to work harder for
every dollar. And, that’s why we are proud to offer
products and services that work harder for you.
Business Checking*
Business
Services
• Interest bearing • Low monthly fee
• No minimum balance requirements • No per check fees
• CheckMate Overdraft Privilege
Business Loans
• Commercial real estate mortgages • Purchasing and refinancing • Lines of credit
• Equipment and vehicle loans • Business Visa®
Merchant Card Services
• Credit and check card processing
• Check services (conversion, verification, guarantee and recovery) • Gift cards
*See Member Disclosure for full details.
Community Partners
Community Partners
& Business Services (cont.)
• Join the over 350 businesses and organizations that make up our field of membership
• Offer membership to your employees as an added benefit • Have access to onsite trainings and educational sessions
provided by us
• Advertise your business by providing discounts to members through our checking account programs
Health Savings Accounts
• Complements your employees’ High Deductible Health Care Plan
• Competitive rates • Check and debit
card access • Contributions can be made by you or your employee • No monthly maintenance fees