Find answers to your questions about CEFCU services and products.

Buying Your First Home

  • What is a Fixed-Rate Loan, and which one should I choose?

    Fixed-Rate Loans are available in 10-, 15-, 20-, or 30-year terms. Principal and interest payments remain unchanged for the life of the loan; and the longer your term, the lower your payment may be. Shorter loan terms may help you to build equity quickly, but your monthly payment will be higher.

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  • 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.

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College Savings

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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.

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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.

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  • 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.

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  • 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).

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Facing Financial Difficulties

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Finalizing and Closing the Home Loan

  • What happens at the loan closing?

    The closing will take 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 also be at the closing to transfer ownership to you; but in some states, these two events actually happen separately.

    During the closing you will be reviewing and signing several loan papers. The closing agent or attorney conducting the closing should be able to answer any questions you have, or you may contact your Closing Coordinator if you prefer. Just to make sure there are no surprises at closing, your Closing Coordinator will contact you a few days before closing to review your final fees, loan amount, first payment date, etc.

    The most important documents you will be signing at the closing include:
    HUD-1 Settlement Statement: This document provides an itemized listing of the final fees charged in connection with your loan. If your loan is a purchase, the settlement statement will include a listing of any fees related to the transaction between you and the seller. If this loan will be a refinance, the settlement statement will show the payoff amounts of any mortgages that will be paid in full with your new loan. Most items on the statement are numbered according to a standardized system used by all lenders. These numbers will correspond to the numbers listed on the Good Faith Estimate that will be provided in your application package. The HUD-1 Settlement Statement is also commonly known as the closing statement, and both the buyer and seller must sign this document.

    Truth-in-Lending Statement (TIL): This document provides full written disclosure of the terms and conditions of a mortgage, including the APR. It is exactly the same as the TIL that you received immediately after your initial application, except it has been updated to reflect the final rate and fee information. Federal law requires all lenders provide you with this document at closing.

    The Note: This is the document you sign to agree to repay your mortgage. The note will provide you with all the details of your loan, including the interest rate and length of time to repay the loan. It also explains the penalties you may incur if you fall behind in making your payments.

    Mortgage/Deed of Trust: This document pledges a property to the lender as security for repayment of a debt. Essentially this means you will give your property up to the lender in the event you cannot make the mortgage payments. The Mortgage restates the basic information contained in the note, as well as details the responsibilities of the borrower. In some states, the document is called a Deed of Trust instead of a Mortgage.

    If your loan is a refinance, Federal Law requires you have three days to decide positively you want a new mortgage after you sign the documents, called the three-day Right of Rescission period. This means the loan funds won't be disbursed until three business days have passed. If you are refinancing an existing mortgage from another lender, during the three-day Right of Rescission period, interest is charged on your new loan from the date of closing. Interest on your existing mortgage is included in the payoff quote through the actual payoff date. However, if your existing mortgage is with CEFCU, as a courtesy, CEFCU will pay off your old mortgage on the day of closing and only collects interest on the new mortgage through the three-day Right of Rescission period.

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Health Savings Account

  • Are contributions (deposits) tax deductible?

    Yes. HSA 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.

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Home Loans

  • What is a Fixed-Rate Loan, and which one should I choose?

    Fixed-Rate Loans are available in 10-, 15-, 20-, or 30-year terms. Principal and interest payments remain unchanged for the life of the loan; and the longer your term, the lower your payment may be. Shorter loan terms may help you to build equity quickly, but your monthly payment will be higher.

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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

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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.

  • Is my log-in the same for Mobile Banking and CEFCU On-Line Banking?

    No, the two systems do ask for different log-ins to access your account.  So, you will have a log-in for CEFCU On-Line Banking and another for CEFCU Mobile Banking.  These log-ins remain separate as the CEFCU On-Line Banking and CEFCU Mobile Banking are two different systems.

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Private Student Loans

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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 $190 million in year-end Extraordinary Dividends to all members since 2000.

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