your guide to financial well-being | spring 2012
what’s in a name
behind the switch to Consolidated Community Credit Union
February 1, 2012, we changed our name to Community Credit Union as of March 1, 2012. From
Consolidated Community Credit Union. We’re still this date forward, the credit unions participating in
the same credit union you know and love but with an the Shared Branching network are no longer able to
updated name and logo! locate your account as a member of Consolidated
Federal Credit Union.
We want to assure you that the quality of service and
products will not change and we are still federally Also, don’t forget to tell your friends and family they
insured by the NCUA. We changed our name because can join your credit union and receive the same
we want all the residents living in our community to great service that you receive on a daily basis. You’ll
know they can join Consolidated Community Credit receive $50 for every new member you refer who
Union and that membership is no longer limited by opens a direct deposit checking account…give us a
employer. call for more details!
You will not need to update your online banking If you have any questions, please do not hesitate to
logins or worry about ordering new checks or Visa contact us at 503.232.8070 (or 800.444.8115 if you are
credit and debit cards. All of these items will continue outside of the Portland, OR area). As always, thank
to work as normal. you for choosing Consolidated Community Credit
Union as your primary financial provider. We truly
If you conduct transactions at participating credit
appreciate the opportunity to serve you.
unions through the Shared Branching Network, you
will identify yourself as a member of Consolidated
keeping your money safe
enhanced security for online banking
In order to better protect you and your accounts we
are enhancing our Online Banking security.
The enhanced security provides additional protection
for certain high risk, high dollar transactions by
authenticating the transaction with an interactive
telephone call verification process. The new
enhancements will take place in late April.
At that time, in order to provide this added protection,
members who are currently enrolled in Online Banking
will be prompted to answer new security challenge
questions and enroll at least one telephone number
to be used for the call back verification in the event
of a high risk transaction. No other changes will be
made within Online Banking or Mobile Banking.
If you have any questions please contact a Member
Service Representative at 503.232.8070 or 800.444.8115
if you are outside of Portland.
CCCU | financial insider
making homes affordable
Home Affordable Refinance Program (HARP)
If you’re not behind on your mortgage payments
but have been unable to get traditional refinancing
because your home’s value has declined, you may
be eligible to refinance through the Home Affordable
Refinance Program (HARP). HARP is designed to help
you get a new, more affordable mortgage at today’s
historically low interest rates even if the value of your
solving your financial concerns home has fallen. Here is some general information
our partners, Human Investing
• Must be a conventional loan (Fannie Mae or
Significant assets offer tremendous opportunities, but Freddie Mac loan) that closed prior to June 1, 2009.
with opportunity comes complexity and challenges.
• Refinance up to 125% of the appraised value
With nearly 50 years of combined experience in the
at low rates without having mortgage insurance.
financial services industry, Human Investing will share
their knowledge to help solve the financial concerns • Qualifying is typically easier in terms of lower
that keep you up at night. For their personal wealth allowed credit scores, higher debt ratios, etc.
clients, they perform the following services while • Many times an appraisal is not required to
acting as your personal chief financial officer: complete the refinance.
consulting services • Low interest rates and low fees for this product.
• Tax If you think the HARP program may be right for you,
• Insurance please give one of our Mortgage Loan Officers a call
• Estate at 503.232.8070 or 800.444.8115 if you are outside of
• Retirement Portland.
• College Savings
• Charitable Giving
• Real Estate Acquisition
• Tax Efficient Strategies
• Rule 144 Stock
• Stock Options
• Custom Portfolios
• Discretionary Asset Management
For more information please visit Human Investing’s
website at humaninvesting.com or contact Eric
Dahm at 503.905.3100 or email@example.com.
holiday closures ne portland 2021 NE Sandy Blvd. 9:00-5:00pm mon-thur
Memorial Day Portland, OR 9:00-6:00pm friday
Monday, May 28 503.232.8070
nw portland 2055 NW Savier St. 9:00-5:00pm mon-fri
L E N D E R
By NCUA 800.444.8115