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FAQs

Find answers to your questions about CEFCU services and products.

Bill Pay

See All Bill Pay FAQs

Buying Your First Home

Checking

  • How do I reorder checks?

    You can reorder checks for your CEFCU Checking account online.
    To reorder checks:

    1. Log in to CEFCU On-Line®.
    2. Select Services from the menu at the top.
    3. Select Check Services, then click Reorder Checks.
    4. Choose an account from the drop-down menu on the Deluxe Reorder Checks Request screen.
    5. Follow the steps in the middle of the screen.

    The charge for your checks will be deducted from your account. Please check your history for the amount charged.

    If you have any questions about check ordering, please contact CEFCU.

College Savings

See All College Savings FAQs

Consolidation Student Loans

  • Am I eligible to apply for the Consolidation Student Loan?

    In addition to being a CEFCU member, you must meet credit requirement qualifications applicable at the time the loan is reviewed. In addition, you must be a U.S. citizen/national or eligible non-citizen.

    If you are a foreign student, you must have a co-signer who is a U.S. citizen or permanent resident with a mailing address in the United States and a valid Social Security number.

See All CSL FAQs

Credit Card

  • I lost my card, what do I do?

    Report your lost or stolen CEFCU Mastercard® to CEFCU immediately.

    • 309.633.3763
    • 800.542.3328

    NOTE: For security reasons, you cannot report a lost or stolen card through email.

eBills

  • How do I access eBills?

    To access your bills, you will need to provide credentials for each of the bills you would like to receive electronically. The credentials may include User ID, Password, and security questions you would use to access your account on the biller's website. This information is stored in a secure area and data is encrypted to ensure your privacy. Only you are able to access, view, and change key account information. To determine if your payees are eligible for eBills, click on the Payees tab. You also can view eligibility on the Payment Center. If your payees are eligible for eBills, you will see a link to Enroll in the eBills column.

  • What do I have to do to sign up for eBills?

    To enroll in eBills,

    • Click Enroll next to your Payee.
    • Enter the credentials, such as a user ID or password, you would use to access your accounts on the Payee's website, and click Continue. The credentials are used to verify account ownership and to obtain the latest bill information.
    • Read the Terms and Conditions of the eBill service. If you accept the Terms and Conditions, click the check box and click Continue. You may have to wait up to 3 minutes for your account information to be retrieved.
    • If your payee's website requires you answer security questions in order to log in, you will be presented with those questions. Answer the questions and click Continue.
    • If you have more than one account with the payee, select the account for which you wish to receive eBills. You can only receive eBills for one account per payee.
    • Select the type of account in the drop-down box and click Submit.
    • Your request to enroll your eBill is complete. In most cases, your eBill will be available in two to four days. In the event your eBill cannot be added immediately, your eBill enrollment status on the Payment Center will show as Pending.

See All eBills FAQs

eStatements

  • How do I sign up for eStatements?

    Log in to Online Banking. From the menu above, select Accounts, then Statements and Manage Delivery Options. Select Online, Preview, click Submit, and you're all set. You will need to enroll each individual primary account separately.

  • How do I select specific eStatements?

    To view a specific eStatement, select a date range to see the first eStatement available within the date range. For example, if you want your eStatement that ends in September, choose September 2015 (September 1 and September 30).

Finalizing and Closing the Home Loan

  • Will I need to have an attorney represent me at closing?

    The closing takes place at the office of a title company or attorney in your area who will act as our agent. If you are purchasing a new home, the seller may be at the closing to transfer ownership to you; but in some states, these two events actually happen separately.

    In some areas of the country it is very customary, and sometimes required by law, to have an attorney represent you at the closing; but in other areas, it’s your choice. If you’re attorney has any questions, please contact us.

  • Who will be at the closing?

    The closing agent acts as CEFCU's agent and will represent us at the closing. If you have any questions that cannot be answered during the closing, ask the closing agent to contact us by phone, and we'll get you the answers you need — before the closing is over!

  • If I apply, where will the closing take place?

    We use a nationwide network of closing agents and attorneys to conduct our loan closings. Your closing will take place in a location near your home for your convenience. We'll deliver your loan documents and loan funds to the closing agent or attorney before closing so they will have plenty of time to prepare for your closing.

See All Home Closing FAQs

Health Savings Account

  • Are contributions (deposits) tax deductible?

    Yes. Health Savings Account contributions made by an eligible individual or his/her family members are deductible by the eligible individual when determining his/her adjusted gross income. The individual cannot also deduct the contributions as medical expense deductions.

See All HSA FAQs

Home Loans

  • Is CEFCU right for me?

    Buying a house is a big deal, and we’re here to help with more than competitive rates and low closing costs. Our Home Loans team gives you personal service every step of the way.

  • Is comparing Annual Percentage Rates (APRs) the best way to decide which lender has the lowest rates and fees?

    You can use the APR as a guideline to shop for loans, but you should not depend solely on the APR in choosing the loan program best for you. The Federal Truth in Lending law requires that all financial institutions disclose the APR when they advertise a rate.

    Some closing fees are included in the APR calculation. These fees, in addition to the interest rate, determine the estimated cost of financing over the full term of the loan. The APR doesn't include all the fees — including fees appraisals, title work, and document preparation.

See All Home Loans FAQs

Mechanical Repair Coverage

  • What is covered?

    Repairs, less deductible, at authorized facilities in the United States or Canada.

  • What if I’m out on the road?

    24-hour emergency roadside assistance up to $100 per occurrence.

    • Towing
    • Battery jump start
    • Fluid delivery
    • Flat tire assistance
    • Lock-out service

See All MRC FAQs

Online Banking

  • What is the Secure Access Code?

    The Secure Access Code (SAC) is a new security feature on CEFCU’s online banking and has been added to ensure the Credit Union is in compliance with multi-factor regulations.  SAC allows CEFCU to identify you and make sure your accounts are secure by sending a new 6-digit code to one of the contact points we have on file for you each time you attempt to access CEFCU On-Line with an unregistered browser.

    This SAC will be sent when you log in for the first time, and any other time you log in using a new browser, computer, or mobile device that you have not previously registered.

    The SAC offers another level of protection in case someone gets access to your user ID and password and tries to log in to your CEFCU On-Line accounts.  If they do not have access to obtain an SAC, they cannot access your online banking accounts.   

    When you receive your SAC, you will want to enter it quickly as it is only valid for 15 minutes.

  • Am I going to need to get a new Secure Access Code every time I log in to CEFCU On-Line?

    To ensure CEFCU is in compliance with multi-factor regulations, a Secure Access Code (SAC) is required every time you log in to CEFCU On-Line from an unregistered browser.  You can register multiple browsers by entering a new SAC for each and then selecting to register them.  It’s important to remember that if you clear cookies and cache, that will unregister your browser, and you will be required to obtain a new SAC the next time you log on.

See All Online Banking FAQs

Private Student Loans

See All PSL FAQs

Refer a Friend

  • I've referred several people to CEFCU over the years. What do I get?

    Thank you for choosing CEFCU and for trusting us enough to recommend CEFCU to your family and friends. While CEFCU is currently piloting a formal referral program, member referrals over the years have always been a key contributor to CEFCU's financial success. That success has allowed CEFCU to return $230 million in year-end Extraordinary Dividends to all members since 2000.

See All Refer A Friend FAQs