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Bill Pay
- Why doesn’t the payment debit my account immediately?
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.
- How will the payment look on my account?
You will see a payment on your primary Checking account listed with the name of the payee.
- Why am I receiving a “Bill Pay Error” where the payment information provided matches an existing payment?
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.
Buying Your First Home
- Do you have any programs for first-time home buyers?
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.
- Do you have any special low-down-payment loans?
We offer programs, like Take Five, for first-time home buyers. Find out more about low-down-payment loans.
- Are there any prepayment penalties charged for these loan programs?
None of the loan programs CEFCU offers have penalties for prepayment. You can pay off your mortgage any time with no additional charges.
Checking
- How do I reorder checks?
You can reorder checks for your CEFCU Checking account online.
To reorder checks:- Log in to CEFCU On-Line®.
- Select Services from the menu at the top.
- Select Checking Services, then click Order new or replacement Checks and accessories.
- Select the box next to the account you would like to order checks for.
- Follow the prompts to make your selection of the available check designs or choose Quick Order to proceed with the same selection as your last order.
- Confirm your personalization and click Continue.
- Add the Checks to your Shopping Cart and proceed through the Checkout process.
- Once you submit your order, you will receive a confirmation email to track your order. When the checks ship, the amount charged will come directly out of your CEFCU Checking account. This charge will appear as 'Harland Clarke' on your statements.
If you have any questions about check ordering, please contact CEFCU.
College Savings
- Who can open an Education Savings Account?
Parents, grandparents, or kids.
- Are Education Savings Account deposits tax deductible?
No. However, qualified withdrawals are tax-free. Please check with your tax advisor for specific guidelines.
- What’s the annual contribution limit for an Education Savings Account?
$2,000 per year for each child under 18.
Consolidation Student Loans
- Can I apply for consolidation if I'm still enrolled in school?
No, only those who are no longer students are eligible to apply.
- What types of loans can I consolidate?
You can consolidate any private and federal student loan in your name.
- 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 cosigner who is a U.S. citizen or permanent resident with a mailing address in the United States and a valid Social Security number.
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.
- What do I have to do to sign up for eBills?
To enroll in eBills,
- Login in to CEFCU On-Line®. Choose the Services tab in the Menu Bar. Then select Bill Pay.
- On the right side of your screen, you will see a box labeled eBill Connect. If there is nothing listed here, there are no payees available to enroll in eBill.
- Choose the Payee you wish to enroll. Enter your credentials, such as a User ID or Password, you normally use to access your accounts on the Payee’s website. Click Continue. These credentials are then used to verify account ownership and will 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 select Continue. You may have to wait up to 3 minutes for your account information to be retrieved.
- If your payee’s website requires additional verification in order to login, you will be prompted to complete that verification. Select 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 will show Pending.
eStatements
- How do I sign up for eStatements?
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.
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.
Health Savings Account
- Who can open Health Savings Accounts?
Anyone covered by a High-Deductible Health Plan as defined by the IRS.*
- 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.
- Are there income limits?
No, there are no income limits when opening Health Savings Accounts.
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.
Mechanical Repair Coverage
- What are the deductible options?
The per visit deductible is $0, $100, $250 or $500. Per visit means one deductible regardless of the number of repairs.
- Do I get something to drive while my car is being repaired?
Rental reimbursement of up to $35 per day for five days from day one.
- 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
Online Banking
- What is the Secure Access Code?
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.
- Am I going to need to get a new Secure Access Code every time I log in to CEFCU On-Line/Mobile Banking?
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.
- Is my log-in the same for Mobile Banking and CEFCU On-Line Banking?
Yes. Your Login ID uses the same credentials for both CEFCU On-Line and Mobile Banking.
Private Student Loans
- Is it possible to have my cosigner removed/released from the Private Student Loan?
Yes, if you qualify, your cosigner can be removed after 48 consecutive months of on-time payments.
- Is there an interest rate reduction for automatic payment?
Yes, you can receive ½ percent APR reduction if you have your payments automatically deducted.
- What fees will I have to pay to apply for the Private Student Loan?
There are no fees for you to apply for a Private Student Loan.
Refer a Friend
- The friend I referred opened a Savings and a Checking. Do I get a referral fee for each account?
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.
- 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 $330 million in year-end Extraordinary Dividends to all members since 2000.
- I forgot to bring my referral certificate to the account opening and didn't mail it within the allotted time, will the member who referred me still receive the referral fee?
The program rules require an Official Referral Certificate be submitted (personally, or by mail) within five days of account opening.