Products and Services



Visa Credit Cards


Have you considered a New Visa Credit Card with your credit union? Tired of high APR with your current credit card? Are you sick of those annual fees?

Our credit card carries NO Annual Fee, NO Balance Transfer Fee, and has a 25 day grace period! The rate you receive is based on your Experian FICO Credit Score. We are offering 3 different levels: Level 1 is 700 and over 8.50% APR, Level 2 is 699-660 12.50% APR, and Level 3 is 659-580 16.50% APR.

Loans




City Co Federal Credit Union offers a variety of loans to help you make your
dreams come true with CCFCU.

  • New and Used Car Loans
    Thinking about that new vehicle? Need a bigger car for the family? Then call
    or apply with City Co Federal Credit Union for our great car loan rates and
    we'll get you cruisin’ in style.

  • Unsecured Personal Loans
    Based on your credit status, you may qualify up to $10,000.00 on your
    signature.

  • Share Secured Loan
    Use your savings account funds to secure your loan while earning dividends
    on your account.

Other Services - Electronic Transactions

  • Payroll Deduction
  • Direct Deposit
  • ACH Debit/Credit

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Overdraft Advance/Courtesy Pay Program

It happens to the best of us. We unintentionally write a check for more money than we have in our checking account, forget to record an ATM withdraw, forget to note a debit transaction, or forget to note an automatic bill pay deduction. Whatever the reason, a check returned for insufficient funds (NSF) is both costly and embarrassing.

You can end all that with Overdraft Advance/Courtesy Pay in conjunction with your free credit union checking account. Below is the link for both the letter sent to our members and the application.

Courtesy Pay Letter and Form

Better Choice Loans

We are please to offer our members an affordable, payday loan alternative called “Better Choice Loans”, effective immediately.

This loan program is designed for our members to use as a solution to the growing problem of payday lending practices, rates, and fee’s. The Better Choice Program is supported by a joint effort between the Pennsylvania Credit Union Association (PCUA), the Pennsylvania Treasury Department, and the Pennsylvania Department of Banking. These organizations have a strong interest in helping low and moderate income Pennsylvanians manage their finances and meet their financial needs without resorting to high-cost products such as payday loans.

This loan program is designed for our members to use as a solution to the growing problem of payday lending practices, rates, and fee’s. The Better Choice Program is supported by a joint effort between the Pennsylvania Credit Union Association (PCUA), the Pennsylvania Treasury Department, and the Pennsylvania Department of Banking. These organizations have a strong interest in helping low and moderate income Pennsylvanians manage their finances and meet their financial needs without resorting to high-cost products such as payday loans.

  • $200.00 Minimum Loan Amount
  • $570.00 Maximum Loan (includes fees).
  • 18% Annual Percentage Rate (APR).
  • 90 day Repayment Terms.
  • $20.00 Application Fee.
  • Must be at least 18 years of age and legally capable of entering into a binding contract.
  • Must be a member of the credit union for at least 60 days prior to applying for a loan.
  • At least one current pay stub is required with a gross monthly income of at least $1,000, showing YTD income on it.
  • Must be a credit union member in good standing.
  • 10% share/savings deposit of the requested loan amount in a savings account in your name at the credit union at the time the loan is made. The 10% portion can not be withdrawn until the loan is paid in full.
  • No credit bureau report is run as a condition of the loan.
  • Financial Counseling Provided.
  • The loan must be paid in-full before a new loan or additional funds will be considered.
  • You can only have 3 loans in a rolling six month period.
  • All credit union loans are electronically reported to the credit bureau monthly.

DISASTER RECOVERY INFORMATION

The Tornado in Moore, Oklahoma in 2013, Hurricane Sandy in 2012, or Hurricane Katrina in 2005; and so many other natural disasters has taught us all valuable lessons. Disasters can happen anywhere and your Credit Union can experience interruption in service from power outages, severe storms, fire, and terrorist attacks. Your Credit Union is taking a proactive approach to this potential problem. Therefore, in case of a disaster involving City Co Federal Credit Union, we are asking our members to check our website or our Facebook for further instructions, and/or listen to your television, radio, iPhones, or any other type of communication devises possible. We will make a public announcement to our members as soon as possible.

Regular Savings Accounts

A $25.00 initial minimum deposit is required which reflect your share of the
City Co Federal Credit Union, an interest earned account which is paid quarterly.

MEMBERS PERSONAL ACCOUNT PASSWORD
We are asking our members when they come into the office or when they call us, to speak with the MSR and setup their own Personal Account Password. By doing so, this will add an additional layer of security and will benefit both our member and the Credit Union.

Share Draft Checking Accounts
There are no minimum balances and no monthly maintenance fees. Stop by the credit union and one of our staff members will assist you in opening a account. There are many styles of checks to choose from.

DORMANT ACCOUNT FEE

Dormant accounts are of no advantage to you, our members, or to us. We are asking our members to please take a look at your statement and determine if you are using your account with us, and/or if you still want to maintain your account with City Co FCU. Your account must be maintained, even if it’s not being used. A phone call to our office acknowledging the account, or a small deposit is all that is needed to remove the Dormancy status. As of 12/01/2013, we began charging a $10.00 monthly dormant account fee to accounts that have not had activity for at least two years or longer.

Ask us how you can use automatic transfers or payroll deduction to make saving painless and keep your account from going dormant. Even saving a little at a time can add up to a lot. Please call us or stop by the Credit Union office and we’ll show you how.

ATM/Debit Card

It's time to pay for your purchases with the cashier, you have to write a check, but you need to show your Driver’s License along with other information they require, can you Verify that information? Forget the hassle, use your ATM/ Debit card, it’s quick, fast and convenient. It is accepted almost anywhere a VISA logo is shown, and best of all it comes right out of your checking account, it’s not a credit card-it only looks like one. Also, any Dollar Bank ATM is FREE (no fee is charged).

Christmas Club Accounts
City Co FCU is pleased to offer its members Christmas Club Accounts.  They are transferred to your savings account the first week of October each year and are automatically renewed each year. Plus, you have the option to withdrawal or transfer funds from the account at any time. There is no penalty for early withdrawal which is an added benefit for you should something unexpected happen. If you are interested in starting a new Christmas Club, please call us or stop by the office. We will be more than happy to help you achieve this either through payroll deduction or ACH. Christmas Club accounts are a great way to make your Holidays a little brighter.

Vacation & Special Share Accounts
There is no minimum balance required in these accounts And can be used for any
special occasion. These accounts also earn dividends quarterly.

AFFORDABLE HOME & AUTO INSURANCE

  • Discounts for credit union members.*
  • Rates guaranteed for 12 full months.
  • Convenient payment options.
  • Reliable service you can feel good about.
  • Broad coverage’s to fit your lifestyle.
  • 24 hour-a-day claims service.
  • Call for a free, no obligation quote.

For a FREE, no-obligation rate quote, call Liberty Mutual Insurance, toll free at 1-888-380-9287. Please be sure to tell them you are a member of City Co Federal Credit Union.*


Notice of Change - Funds Availability Policy Effective July 21, 2011, any checks deposited will be given at least $200 next day availability in accordance with our Funds Availability Policy. For additional disclosure information, please refer to our Funds Availability Policy available at all office locations.


SPRINT CELL PHONE DISCOUNT

Why throw away your money? Do yourself a favor and start saving today! As a Credit Union member, there's never a better time to save money on your wireless phone service. Do yourself a favor and start saving today!

  • 10% off most regularly priced Sprint individual service plans
  • 15% off most regularly priced Sprint business service plans
  • Waived activation fee on new activations
  • Waived upgrade fee
  • National rates with no roaming or long distance char

For this exclusive discount, tell them you're a Credit Union member. Ask to be attached to the NACUC_ZZM corporate ID. For individual or business accounts cal 877.728.3428 or click on www.sprintsave4cu.com or visit the nearest Sprint retail location.

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SERVICES & BENEFITS

We are a “People Helping People” financial institution
offering the following services to our members:
Share/Savings Accounts
Sub Savings Accounts
Holiday Club Accounts
Money Markets
Share/Savings Certificates
Trust Accounts
Checking Accounts (No fee and No minimum balance)
Courtesy Pay
Member Cash Operation
Home Banking
E-Statements
Visa Check/Debit Cards (No Annual Fee)
Overdraft Protection for Checking Accounts – from savings
Visa Credit Card Program (No Annual Fee & No Transfer Fee)
ACH/Direct Deposit - #243083224
Payroll Deduction
Same Day Phone and Mail Transactions
Full Family Membership
Signature Loans
New & Used Vehicle Loans
New & Used Motorcycle Loans
100% Share Secured Loans
Holiday Discount Loans – (12 months)
Money Orders up to $1,000 @ $1.00 each
Visa Gift Cards @ $2.00 each
Notary Public Service (vehicles not included)
Invest In America – CU Member Discounts
CUNA Mutual Group Credit Disability Insurance
CUNA Mutual Group Credit Life Insurance
CUNA Mutual Group GAP Vehicle Protection Insurance
TruStage Insurance – visit trustage.com  
Automated Member Account Information – 1-800-983-9561
After business hours - 24 hour answering machine service
Email Address:  citycofcu@citycofcu.com
Phone Number:  412-350-5957
Fax Number:  412-281-9158
Office Hours:  Monday through Friday: 8:30 am – 4:00 pm
Website:  www.citycofcu.com

Your savings federally insured to at least $250,000 and backed by the
full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency.

 

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Certificates of Deposit - Minimum $1,000.00
  Available for:  
6 Months
  Interest paid/ posted at end of period (Ask for rate)
     
12 Months
  Interest paid/ posted at end of period (Ask for rate)
     
24 Months
  Interest paid/ posted at end of period (Ask for rate)
     
36 Months
  Interest paid/ posted at end of period (Ask for rate)
     

Penalty for early withdrawal = 30 days interest

*Dividends are paid upon maturity directly to your Certificate.

**All dividends and interest rates are subject to change without prior notice.

Your savings federally insured to at least $250,000 and backed by the
 full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency.

 

 
Money Market Savings Accounts
   
 
Minimum Deposit
$2,500.00  
(Ask for current rates)
  Minimum Deposit $10,000.00   (Ask for current rates)
  Minimum Deposit $25,000.00   (Ask for current rates)
  Minimum Deposit $50,000.00   (Ask for current rates)
 

Rates are determined monthly by management. Money Market Savings accounts are limited to six (6) withdrawals per month at a minimum of $500.00. Money Market accounts that fall below the minimum balance will revert back to our 001 share account rate and the balance transferred to your 001 share account.

* Dividends are paid monthly directly to your Money Market.

**All dividends and interest rates are subject to change without prior notice.

Your savings federally insured to at least $250,000 and backed by the
 full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency.

 

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220 Grant Street
Pittsburgh, PA 15219

Phone: 412-350-5957
Fax: 412-281-9158

Contact Us

Routing Number: 243083224


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Member Cellular Discounts with Sprint