Member Assistance

We understand our members may suffer financial hardship as a result of the ever-changing public health concerns. As always, the well-being of our members and our community is our priority.

Please keep the following in mind as you plan your finances for the coming weeks, and contact a CCU Member Service Representative to discuss these options at 321-690-2328 (outside Brevard: 800-690-2338). Select option 5.

Member Assistance Loan* – Please contact us to apply to borrow up to $5000.

QCash Member Assistance Loan* – This lower-rate variation of our traditional QCash Loan allows you to borrow up to $1000.  Approval is based on member’s relationship with CCU. Apply on the CCU Mobile App or use the form available within eBranch Online Banking.

Credit Card Limit Increase – As always, there are no fees for cash advances and you can get instant cash from any ATM displaying the VISA® logo

Loan Extensions – Get up to 60 days on most CCU loans.

Waived CD Early Withdrawal Penalties – Contact us if you need access to these funds.

Increased Mobile Deposit Limits – Temporary increase allows for stimulus check deposits. Click here to read more about Economic Impact Payments.

Loan Promotions:

  • Home Equity Line of Credit – 1.99% APR for 12 months1 and after that, rates as low as 3.00% APR2.
  • Auto Loan: Purchase or Refinance – No payments for up to 120 days3 and $200 cash back4
  • Credit Card Balance Transfer - 1% cash back5 and 2.99% APR6 for six billing cycles
  • Click here to learn more about these offers, Personal Loans, and More

 

Please click here for information about branch availability and options for managing your accounts by phone, online, and through the mobile app.

 

*Standard underwriting guidelines apply. The annual percentage rate is based on the Prime Rate published in the Money Rates column of the Wall Street Journal. Payment example: If you borrow $2,500 at 4.25% for 36  months, your monthly principle and interest payment would be $74.61. Terms and conditions are subject to change.   

¹Special introductory rate for 12 months. Not available for rental or investment properties. Thereafter, the Home Equity Line of Credit will have a variable rate between 3.00% - 11.00% APR. Rate current as of March 23, 2020. APR=Annual Percentage Rate. ²Rates are based on credit score, combined LTV, term, plus a margin. Rates and programs are subject to change without notice. Annual Percentage Rate may change quarterly, which may increase your monthly payment. Up to 80% LTV available for 2nd lien position loans on primary residences. Other restrictions may apply. Details available from CCU.

3PAYMENT DEFERRAL: Optional. Available to borrowers approved for a CCU vehicle loan. First payment may be deferred up to 120 days; your deferment period may be less. Your interest accrues from date of the loan contract, and will continue to accumulate interest on a daily basis. A deferment may result in one or more of your initial payments being applied only to interest, until all accumulated interest is satisfied. Deferral of payments is not available for refinances of existing CCU auto loans. Offer subject to change.
4CASH BACK: Minimum loan balance of $10,000 to receive cash. For purchase loans, cash is available only for financing initiated directly with CCU. Not available for financing obtained at a dealership. Limited time offer expires when withdrawn by CCU. Cash bonus will be deposited to the Share Savings Account associated with the loan account at loan closing. Existing CCU loans are not eligible.  

5Cash back amount will be 1% of the balance amount transferred to the CCU card, paid after the balance amount is added to the CCU card account. Does not apply to existing CCU balances. Payment will be made as a deposit to the cardholder’s CCU Savings account. 6Current cardholders and new cardholders get 2.99% APY for 6 months on balance transfers. New cardholders also receive 2.99% APY on purchases for the first 6 months. Current promo rate is for 6 billing cycles based on creditworthiness. Balances transfer amounts must be between $500 – $15,000. When discounted period expires, the APR on the existing balances will increase to the non-discount rate between 10.99% – 20.99% APR on the first day of the next billing cycle. A one-time membership fee of $5 is required. Limited time offer.