About Us
Believe...Belong...Be $trong! Credit Union offering savings & consumer loan products to local government & hospital employees & their families since 1969.
The products and services we offer
Products & Services
We do offer free Financial Counseling to the members of our credit union. Basics like budgeting, making loan decisions and savings plans. Unfortuna...
Refinancing your home loan is a great way to reduce your monthly payments, take advantage of better rates, or change from a variable to fixed rate ...
https://youtu.be/DZXZIfCT0es To take your party to the next level and have your guests talking about how awesome your event was, YOU NEED THE MAGI...
Recent Activity
We recently ran a new loan or refinance program that was for any loan over $12,000 that was successful. Gave the borrower $100 at the loan closing and a $50 Referral Card. The borrowers love to talk about getting a great deal with their financing AND getting cash! So our referrals picked up....
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We recently ran a new loan or refinance program that was for any loan over $12,000 that was successful. Gave the borrower $100 at the loan closing and a $50 Referral Card. The borrowers love to talk about getting a great deal with their financing AND getting cash! So our referrals picked up. Then the referred person would get the $100 for a qualifying loan and they would get $50 referral cards to hand out. Word of mouth is the best advertisement!
I can only answer this based on what Combined Employees Credit Union (CECU) does for our members. We understand that life happens! We can coach you on what to do on your credit file but the bottom line is, if you owe it then deal with it. Take responsibility for the debts you have accumulated....
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I can only answer this based on what Combined Employees Credit Union (CECU) does for our members. We understand that life happens! We can coach you on what to do on your credit file but the bottom line is, if you owe it then deal with it. Take responsibility for the debts you have accumulated. At CECU we have an array of services designed to help you begin the rebuilding of credit and our Finacial Counselors are eager to find ways to help you out of the credit hole. Now sometimes that requires you performing the repayment of your debts and sometimes CECU may be able to take on a block of debts with a consolidation loan to help. We have credit rebuilder loans and 2nd chance automobile loans as well. I would say to check with your local credit union for help and by all mean steer clear of those credit repair agencies. You can do the same thing they do for free!
A good rule for structuring debt to help pay accounts off would be to list your accounts starting with the highest balance and working down to the lowest balance. Most tell you to start with the higher interest rate but I disagree with that strategy. Once you have your list of account balances, pay more than the minimum payment on the smallest balance. If your payment is $25 per mont pay $50 if you can. When you pay off the small balance transfer that $50 onto the next account. So if on the next smaller balance you were paying $30 minimum payment you would add the $50 to the $30 and pay $80 till that balance is paid off. Then move up your list to the third smallest balance. If you were paying $30 minimum on it you would add the other $80 from the previous paid off debt so now you’d pay $110 on this 3rd account. ALWAYS move the payment up to the next account when you pay one off! It takes discipline to manage these through your objection to get out of debt. The reward is that you actually see the debts paid off as you move up your list. That’s a tangible sign of accomplishment that helps restore dignity and pride in yourself! This strategy is very doable but depends on how committed you are to help restore your credit
And yes, you need to get your free copies of your credit reports to make sure all the accounts are being reported correctly. This would be step one. Step 2 make a list of your accounts from the highest to the lowest balances. Step 3, work the repayment noted above.
Look for ways to save money in closing costs. In Georgia there is an intangible tax which is $3 per $1,000 borrowed. On a $200,000 home that’s a $600 fee. By closing your loan through a credit union you can eliminate that $600 fee. Check with you credit union first and compare!
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Look for ways to save money in closing costs. In Georgia there is an intangible tax which is $3 per $1,000 borrowed. On a $200,000 home that’s a $600 fee. By closing your loan through a credit union you can eliminate that $600 fee. Check with you credit union first and compare!
Oh the times, they are achanging! Maybe at one time a retail bank may have been your best chance for any business service. However, credit unions are stepping up to the plate in the business arena. And the credit union movement is putting the same spin on the business sector that they are known...
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Oh the times, they are achanging! Maybe at one time a retail bank may have been your best chance for any business service. However, credit unions are stepping up to the plate in the business arena. And the credit union movement is putting the same spin on the business sector that they are known for with personal accounts. Namely, lower cost options. You see, a credit union only has to work towards paying our member/owners back. We don’t have to pay investors/stockholders. So credit unions can be focused more on the individual members and service to them. Now to be sure, we have to earn funds to pay overhead expenses, that’s just business. But the members are the owners. You can only have one share, one vote in a credit union that you are a member of. Not all credit unions are in the business services though. I would recommend you go to the NCUA.gov site to search for one in your area. Then just compare the CU service to that of a retail bank. I think you’ll be pleasantly surprised!!
Great answers on here. The Ramsey approach is what I tell everyone. Make a list of your credit card balances from the highest balance to the lowest balance. Then pay the minimum on the higher balances and focus on that small balance at the bottom of your list. Pay your extra money on it until it...
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Great answers on here. The Ramsey approach is what I tell everyone. Make a list of your credit card balances from the highest balance to the lowest balance. Then pay the minimum on the higher balances and focus on that small balance at the bottom of your list. Pay your extra money on it until it is paid off. Then whatever you were paying on it, you roll into the next bottom account. Never look at paying off a small balance and then thinking you have extra money. Keep rolling the payments up you ladder of accounts. And, unless the credit card is charging you a fee, DO NOT close it out when you have it paid off. The credit bureau looks at your available lines of credit and how you utilize those lines. If you close one out you will have reduced your available credit and may in fact cause your credit score to drop. Also, try to keep the balance below 50% of your credit line. As some have already said, it’s best to be able to payoff what you charge before the end of the month. It does take some discipline to work your way out of a hole but it can be done.
Well, I guess my perspective may be different than others here. Could be that there is a difference in “for profit” and “not-for-profit” institutions. We are a credit union; a co-op of people; a not-for-profit institution. On every transaction or deal that we close, we are always looking out for...
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Well, I guess my perspective may be different than others here. Could be that there is a difference in “for profit” and “not-for-profit” institutions. We are a credit union; a co-op of people; a not-for-profit institution. On every transaction or deal that we close, we are always looking out for the best interest of our members. So the story on the need we are fulfilling is different every time because each person is different. The bottom line is that my staff and I work for our members. When you take care of the member’s needs, you don’t need a closing line!
Well I do believe the answer is BOTH! Now don’t get me wrong, I would rather be in a room full of people that I can talk to. But the Social Media channels make your information available to people “WHEN” they are ready to view it.
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Well I do believe the answer is BOTH! Now don’t get me wrong, I would rather be in a room full of people that I can talk to. But the Social Media channels make your information available to people “WHEN” they are ready to view it.
I would probably say in the evenings. Usually the morning and lunch meetings are so structured that there is no time to network much with others. When those meetings are over everyone heads back to their offices. In the evening you can have more opportunities to network even after a meeting is...
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I would probably say in the evenings. Usually the morning and lunch meetings are so structured that there is no time to network much with others. When those meetings are over everyone heads back to their offices. In the evening you can have more opportunities to network even after a meeting is through
Well first of all we don’t have customers, we have members. A credit union is a not-for-profit cooperative that exists to serve our member/owners. Every thing we do revolves around the financial well being of our members. We help them earn a little more on their savings and reduce their monthly...
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Well first of all we don’t have customers, we have members. A credit union is a not-for-profit cooperative that exists to serve our member/owners. Every thing we do revolves around the financial well being of our members. We help them earn a little more on their savings and reduce their monthly expenses by offering lower rates on their loans. It’s all about helping people afford life.
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