If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 1.800.633.7077.
If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 1.800.633.7077.
Payment(s) scheduled through Bill Pay do not arrive at their destination immediately. Depending on the delivery type, payments are debited from the account on a “Process Date” so they may arrive on their selected Payment Date.
You will see a payment on your primary Checking account listed with the name of the payee.
Any payment to the same payee of the same amount within 14 business days displays this error. Follow the instructions to allow for the duplicate payment to be processed.
Currently, CEFCU will pay select third-party closing costs for first-time home buyers. On average, CEFCU first-time home buyers can save between $900 and $1,100 on closing costs. To qualify, you must not have owned a home in the past three years, be a CEFCU member in good standing, and have an open CEFCU Checking account. Learn more.
We offer programs, like Take Five, for first-time home buyers. Find out more about low-down-payment loans.
None of the loan programs CEFCU offers have penalties for prepayment. You can pay off your mortgage any time with no additional charges.
You can reorder checks for your CEFCU Checking account online.
To reorder checks:
If you have any questions about check ordering, please contact CEFCU.
Parents, grandparents, or kids.
No. However, qualified withdrawals are tax-free. Please check with your tax advisor for specific guidelines.
$2,000 per year for each child under 18.
No, only those who are no longer students are eligible to apply.
You can consolidate any private and federal student loan in your name.
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 cosigner who is a U.S. citizen or permanent resident with a mailing address in the United States and a valid Social Security number.
Report your lost or stolen CEFCU Mastercard® to CEFCU immediately.
NOTE: For security reasons, you cannot report a lost or stolen card through email.
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.
To enroll in eBills,
When logged into CEFCU’s On-Line® or Mobile Banking, go to Settings and choose Statement Delivery. To enroll, you’ll need to first change the Delivery Type from the default Paper to eStatements. Agree to the eStatement Disclosure and Consent. Next, input a valid email address under the Address column. You will need to verify your device is able to view PDF files by obtaining a keyword from the directions provided. Click Save to keep your changes.
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.
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!
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.
Anyone covered by a High-Deductible Health Plan as defined by the IRS.*
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.
No, there are no income limits when opening Health Savings Accounts.
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.
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.
The per visit deductible is $0, $100, $250 or $500. Per visit means one deductible regardless of the number of repairs.
Rental reimbursement of up to $35 per day for five days from day one.
24-hour emergency roadside assistance up to $100 per occurrence.
The Secure Access Code (SAC) is a security feature on CEFCU’s On-Line and Mobile 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 or Mobile Banking with an unregistered browser/device.
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 Login ID and password and tries to log in to your CEFCU On-Line or Mobile Banking accounts. If they do not have access to obtain an SAC, they cannot access your online banking.
When you receive your SAC, you will want to enter it quickly as it is only valid for 15 minutes.
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/Mobile Banking from an unregistered browser/device. You can register multiple browsers/devices by entering a new SAC for each and 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.
Yes. Your Login ID uses the same credentials for both CEFCU On-Line and Mobile Banking.
Yes, if you qualify, your cosigner can be removed after 48 consecutive months of on-time payments.
Yes, you can receive ½ percent APR reduction if you have your payments automatically deducted.
There are no fees for you to apply for a Private Student Loan.
There is up to $25 in referral fees for each new person who joins CEFCU and opens a Savings and a qualifying account (Checking, Personal Loan, Vehicle Loan, Youth Savings account, Credit Card). To receive more than one referral fee, you would need to refer more than one person to open a new Savings and qualifying account.
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 $330 million in year-end Extraordinary Dividends to all members since 2000.
The program rules require an Official Referral Certificate be submitted (personally, or by mail) within five days of account opening.