Important Notice for IRA Account Holders*

Smart Money Certificates and IRA Certificates

A CCCU Certificate is a very smart investment. It locks in a competitive fixed rate  for the term you choose, the liquidity you need. (Naturally we offer a wide variety of terms.) And it insures both your principal and interest so you sleep soundly at night!

Invest as little as $1,000 or more for a 6, 12, 24, 36, or 60-month term (1-year minimum term for IRA).

• Earnings can be paid to your Certificate account-or to your CCCU Checking or other deposit account for instant access without penalty.
• There are no monthly fees or service charges on regular certificates.
• Principal and interest are insured to $250,000 by ASI Insurance.
•  Certificates automatically renew at maturity, unless prior notice is provided.

Your Certificate goes a long way toward earning you a higher Member Rewards level.

 Deposits are insured for up to $250,000 per account by ASI (American Share Insurance).

* WITHHOLDING NOTICE:

Payments from your IRA are subject to federal income tax withholding, unless you elect no withholding. You may change your withholding election at any time prior to your receipt of a payment. To change your withholding election, complete the proper form, available from the credit union or by clicking here. Withholding from IRA payments, when combined with other withholding, may relieve you from payment of estimated income taxes. However, your withholding election does not affect the amount of income tax you pay. You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient.