Credit Unions
As a state employee, you may want to join the COMMONWEALTH CREDIT UNION or the KENTUCKY EMPLOYEES CREDIT UNION. Each offers a wide range of financial services, including secured and unsecured loans, savings plans, and payroll deductions.
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COMMONWEALTH CREDIT UNION |
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Did you know that participants of any Kentucky Retirement System are eligible for membership with Commonwealth Credit Union (CCU)? CCU has a full line of expense free financial services that are convenient and available for all its members and their families across the state. We are currently the largest credit union in Kentucky with over 87,000 members.
You may be wondering what the advantages are of joining a credit union versus a bank. According to a study conducted by the Consumer Federation of America, "...the fee difference between credit unions and banks is striking and helps explain why consumers repeatedly rate credit unions more highly than banks...". The study further demonstrates that fewer credit unions than banks charge fees, and when credit unions do charge fees, they are generally less than banks. Credit Unions are non-profit consumer cooperatives run for the benefit of members.
Now you know why everyone should become a member of a credit union, but here is just a few of the reasons why you should become a member of Commonwealth Credit Union:
| Savings Accounts |
Choose from our Ready Access Savings, High Yield Savings, Certificates, IRAs, Youth Accounts, Christmas and Vacation Clubs; you can do payroll deductions to these accounts! |
| Direct Deposit & Payroll Deduction |
Direct Deposit offers a great way to have your entire paycheck automatically deposited to your CCU checking account on your payday. Payroll Deduction allows you to have any amount deducted from your paycheck and deposited into one or more CCU savings account(s). |
| Free Checking |
No minimum balance, no monthly service charges, unlimited check writing privileges, and every balance earns dividends. |
| Global Check Cash Card |
Allows you to make purchases at any location that accepts VISA and the funds will come directly from your checking account! It also serves as an ATM card at our numerous ATMs and nationwide ATMs. |
| "Tellie", The Touch Tone Teller |
Free 24 hour account information from any Touch Tone telephone. Receive account balances, cleared dates on checks, account withdrawals, and transfer money between accounts. |
| Bill Payment |
Allows the convenience of paying your bills via a PC or phone...anytime and anywhere. Now you can pay your bills without writing a check, paying for postage or stuffing envelopes. |
| Home Banking |
Home Banking allows you to access your accounts via a PC from home, work, or any other location -- anywhere in the world, 24 hours a day. |
| Loan Service |
Low competitive rates on all our loans; Vehicle, Personal, Consumer, VISA/MasterCard Credit Card, Mortgage, and much more! You can apply 24 hours every day and receive a rapid response... |
As you can see, membership in CCU has many benefits for you as well as everyone in your family! For more information on becoming a member of Commonwealth Credit Union or about additional services offered, contact your payroll office, or call us toll free at 1-800-228-6420. Call today for a lifetime of saving for you and your family...and remember "Once a member, always a member!" Commonwealth Credit Union is located in Frankfort at 417 High Street, 101 Sower Boulevard, 1425 Louisville Road; in Lexington at 3270-B Nicholasville Road, and in Louisville at 2925 Goose Creek Road and 4917 Dixie Highway. Our mailing address is PO Box 978, Frankfort, KY 40602-0978.
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KENTUCKY EMPLOYEES CREDIT UNION |
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Attention State Employees, take advantage of membership in KECU.
As a state employee you, and your family members, are eligible for an exciting benefit - membership in Kentucky Employees Credit Union.
KECU is a not-for-profit financial cooperative, owned and operated by members. It's our goal to serve you with top-quality financial products and services at the lowest costs possible. Our friendly staff is always ready to assist you and we offer a variety of convenient and easy to use services.
For example, our Share Draft Checking Account has no monthly service charge, no minimum balance, and no per check fees. Plus, you can access the funds in your account with your KECU ATM card or your KECU VISA Check (Debit) Card. You can inquire about your balance, find out what checks have cleared, make a transfer and more, 24 hours a day, 7 days a week from the convenience of MoneyLine, our audio teller.
From low-rate auto loans to competitive rates on certificates -- KECU is the place for all your financial needs!
- Checking Accounts
- VISA Check Card
- ATM Service
- Low-Rate Auto and Signature Loans
- Certificates
- Mortgage Loans
- Home Equity Loans
- MoneyLine Audio Teller
- Friendly Service and much more!
Join Today! A long tradition of excellence...The first credit union to serve state employees! KECU, 100 Moore Drive, Frankfort, Kentucky 40601-8295, (502) 564-5597, (800) 219-5328, FAX (502) 564-9739. E-Mail: [peoplehelpingpeople@kecu.org] Home Page: [http://www.kecu.org]
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