Home > F.A.Q.

   

The Pros and Cons of 0% Financing

 

How is my money insured at the Credit Union?

 

What is this Credit Union's purpose/mission?

 

What is a Credit Union?

 

What is the history of Credit Unions?

 

How is a Credit Union different from a bank?

 

Free checking accounts at the Credit Union have no strings attached.

 

How do I report a lost or stolen Visa Debit or Credit card?

 

What is the Credit Union's routing #?

 

Where can I find an ATM machine?

 

Can I apply for a loan over the internet/telephone?

 

How does my company apply for membership into the credit union?

 

Third Party Links...

 

How do I join this Credit Union?

 

How do I check my balances by internet?

 

How do I check my balances by telephone?

 

Reading between the Lines about Interest Rates!

 

10 WAYS TO RECOGNIZE FAKE (SPOOF) EMAILS
 


 

 

 

 

 

A credit union is a nonprofit, cooperative financial institution owned and run by its members. Organized to serve, democratically controlled credit unions provide their members with a safe place to save and borrow at reasonable rates. Members pool their funds to make loans to one another. The volunteer board that runs each credit union is elected by the members. Not for profit, not for charity, but for service is a credit union motto. Go Back

 

Credit unions are not new. Originating in Europe, credit union history began in this country when the first credit union was formed in Manchester, New Hampshire, in 1909. Today, over 10,000 credit unions with over $480 billion in assets serve more than 79 million people in the United States. More and more people join credit unions every year and they are pleased with the service. Credit unions have rated No. 1 in customer satisfaction at financial institutions for 10 years according to the American Banker Newspaper's annual customer satisfaction survey.

To join a credit union, you must be eligible for membership. Each institution decides who it will serve. Most credit unions are organized to serve people in a particular community, group or groups of employees, or members of an organization or association. -NCUA  Go Back

 

A bank is a for-profit organization and its goal is to maximize shareholders' profits.  A bank typically does this by charging higher rates on loans, higher fees on transactions, and offering lower rates on savings plans.  The owners' interests are often contrary to the interests of customers, who are valued primarily for the income they generate. Go Back

A CREDIT UNION has the mission of service; and its goal is to help members improve their lives through more effective use of their financial resources.  This is accomplished both through the education of the membership of financial topics and the Credit Union offering typically lower loan rates, lower fees and paying higher rates on saving instruments.  The major difference is that a bank has to charge higher rates and fees to cover both normal operation expenses and earnings for stockholders; the credit union only has to pay for normal operation expenses and a sufficient allocation to reserves.  All of your credit union's net earnings are given back in some way to the members who use its services.  Go Back

 Please call your local branch office or click here to e-mail your request.  You can also find this number along the bottom of your credit union checks.

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You absolutely can apply over the internet or over the telephone 24 hours a day and 7 days a week!  Click here for more info: 24/7 Applications

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From the Federal Trade Commission:

Car Ads: Reading Between the Lines

Many new car dealers advertise unusually low interest rates and other special promotions. Ads promising high trade-in allowances and free or low-cost options may help you shop, but finding the best deal requires careful comparisons.

Many factors determine whether a special offer provides genuine savings. The interest rate, for example, is only part of the car dealerís financing package. Terms like the size of the downpayment also affect the total financing cost.

Questions About Low Interest Loans

A call or visit to a dealer should help clarify details about low interest loans. Consider asking these questions:

  • Will you be charged a higher price for the car to qualify for the low-rate financing? Would the price be lower if you paid cash, or supplied your own financing from your bank or credit union?
  • Does the financing require a larger-than-usual downpayment? Perhaps 25 or 30 percent?
  • Are there limits on the length of the loan? Are you required to repay the loan in a condensed period of time, say 24 or 36 months?
  • Is there a significant balloon payment ópossibly several thousand dollars ó due at the end of the loan?
  • Do you have to buy special or extra merchandise or services such as rustproofing, an extended warranty, or a service contract to qualify for a low-interest loan?
  • Is the financing available for a limited time only? Some merchants limit special deals to a few days or require that you take delivery by a certain date.
  • Does the low rate apply to all cars in stock or only to certain models?
  • Are you required to give the dealer the manufacturerís rebate to qualify for financing?

Questions About Other Promotions

Other special promotions include high trade-in allowances and free or low-cost options. Some dealers promise to sell the car for a stated amount over the dealerís invoice. Asking questions like these can help you determine whether special promotions offer genuine value.

  • Does the advertised trade-in allowance apply to all cars, regardless of their condition? Are there any deductions for high mileage, dents, or rust?
  • Does the larger trade-in allowance make the cost of the new car higher than it would be without the trade-in? You might be giving back the big trade-in allowance by paying more for the new car.
  • Is the dealer who offers a high trade-in allowance and free or low-cost options giving you a better price on the car than another dealer who doesnít offer promotions?
  • Does the "dealerís invoice" reflect the actual amount that the dealer pays the manufacturer? You can consult consumer or automotive publications for information about what the dealer pays.
  • Does the "dealerís invoice" include the cost of options, such as rustproofing or waterproofing, that already have been added to the car? Is one dealer charging more for these options than others?
  • Does the dealer have cars in stock that have no expensive options? If not, will the dealer order one for you?
  • Are the special offers available if you order a car instead of buying one off the lot?
  • Can you take advantage of all special offers simultaneously?

Youíre not limited to the financing options offered by a particular dealer. Before you commit to a deal, check to see what type of loan you can arrange with your bank or credit union.

Once you decide which dealer offers the car and financing you want, read the invoice and the installment contract carefully. Check to see that all the terms of the contract reflect the agreement you made with the dealer. If they donít, get a written explanation before you sign. Careful shopping will help you decide what car, options, and financing are best for you.  Go Back

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For More Information

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

 

 

 

 

 

 

 

 

 

   

 

 

 

 

The Credit Union does not own any ATM machines of our own however, our members can access their accounts free of charge through the very large "Cashpoints" network.  Below you will find a listing of Cashpoint ATM machines:  

  Mecklenburg County 

  Union County  

  Cabarrus County 

  Gaston County

 

Cashpoint ATMs - Mecklenburg County

 

Charlotte - Steele Creek SECU Branch

 

 

 

10820 South Tryon St.

 

 

 

Charlotte NC 28273

 

 

 

Charlotte-South Park SECU Branch

 

 

 

6201 Fairview Rd.

 

 

 

Charlotte NC 28210

 

 

 

Cornelius SECU Branch

 

 

 

20651 Catawba Ave.

 

 

 

Cornelius NC 28031

 

 

 

Charlotte Fire Department Credit Union

 

 

 

2100 Commonwealth Ave.

 

 

 

Charlotte NC 28202

 

 

 

East Charlotte SECU Branch

 

 

 

6630 Executive Cir.

 

 

 

Charlotte NC 28229

 

 

 

Matthews SECU Branch

 

 

 

1825 Matthews Township Pkwy.

 

 

 

Matthews NC 28106

 

 

 

Pineville SECU Branch

 

 

 

9007 Pineville-Matthews Rd.

 

 

 

Pineville NC 28134

 

 

 

UNC-Charlotte SECU Branch

 

 

 

8601 University City Blvd.

 

 

 

Charlotte NC 28256

 

 

 

West Charlotte SECU Branch

 

 

 

1516 Alleghany St.

 

 

 

Charlotte NC 28208

 

 

 

North Cross Commons

 

 

 

9129 Sam Furr Rd.

 

 

 

Huntersville NC 28078

 

 

 

Charlotte SECU Branch

 

 

 

1130 E. 3rd St.

 

 

 

Charlotte NC 28235

 

 

 

Wendover Plaza

 

 

 

901 N. Wendover St.

 

 

 

Charlotte NC 28211

 

 

 

 

 

Kimmerly Glen S/C

 

 

 

4730 Kimmerly Glen Ln.

 

 

 

Charlotte NC 28215

 

 

 

Lawyers Square S/C

 

 

 

9201 Lawyers Rd.

 

 

 

Mint Hill NC 28212

 

 

 

Carwash

 

 

 

12270 Lancaster Hwy.

 

 

 

Pineville NC 28134

 

 

 

Tuckaseegee Square S/C

 

 

 

4709 Tuckaseegee Rd.

 

 

 

Charlotte NC 28208

 

 

 

Cornelius Town Center

 

 

 

20121 N. Main St.

 

 

 

Cornelius NC 28031

 

 

 

Charlotte Outpost

 

 

 

1130 E. 3rd St.

 

 

 

Charlotte NC 28235

 

 

 

Charlotte Latino Credit Union

 

 

 

4801 E. Independence Blvd.

 

 

 

Charlotte NC 28212

 

 

 

Whitley Commons S/C

 

 

 

8027 Fairview Rd.

 

 

 

Mint Hill NC 28227

 

 

 

Sardis Village S/C

 

 

 

9808 Monroe Rd.

 

 

 

Charlotte NC 28270

 

 

 

Derita

 

 

 

2800 W. Sugar Creek Rd.

 

 

 

Charlotte NC 28213

 

 

 

Charlotte Postal Credit Union

 

 

 

3601 Mulberry Church Rd.

 

 

 

Charlotte NC 28208

 

 

 

Davidson Kiosk

 

 

 

416 S. Main St.

 

 

 

Davidson NC 28036

 

 

 

Citgo

 

 

 

4640 Old Pineville Rd.

 

 

 

Charlotte NC 28209

 

 

 

Hoods Crossing S/C

 

 

 

Idlewild & Matthews Mill Rds.

 

 

 

Matthews NC 28105

 

 

 

 

Stallings Wash One

 

 

 

2624 E. John St.

 

 

 

Matthews NC 28105

 

 

 

Sunset Corners S/C

 

 

 

4109 Sunset Rd.

 

 

 

Charlotte NC 28216

 

 

 

Northpoint S/C

 

 

 

101 Eastway Dr.

 

 

 

Charlotte NC 28213

 

 

 

Quik Shoppe #6

 

 

 

1500 Eastway Dr.

 

 

 

Charlotte NC 28205

 

 

 

Central Piedmont Community College

 

 

 

2800 Campus Ridge Road

 

 

 

Matthews NC 28105

 

 

 

UNC-Charlotte Cafeteria

 

 

 

Prospector Cafeteria

 

 

 

Charlotte NC 28223

 

 

 

Quik Shoppe #2

 

 

 

5600 Brookshire Blvd.

 

 

 

Charlotte NC 28216

 

 

 

Quik Shoppe #3

 

 

 

201 East Blvd.

 

 

 

Charlotte NC 28203

 

 

 

National Guard Facility

 

 

 

5225 Morris Field Dr.

 

 

 

Charlotte NC 28208

 

 

 

Quik Shoppe #14

 

 

 

11924 Elm Ln.

 

 

 

Charlotte NC 28277

 

 

 

UNC-Charlotte, Cone University Center

 

 

 

9201 University City Blvd.

 

 

 

Charlotte NC 28223

 

 

 

Quik Shoppe #15

 

 

 

3000 Wilkinson Blvd.

 

 

 

Charlotte NC 28208

 

 

 

Civil Courthouse

 

 

 

800 E. 4th St.

 

 

 

Charlotte NC 28202

 

 

 

 

 

Criminal Courts Building

 

 

 

 

 

700 E. 4th St.

 

 

 

Charlotte NC 28202

 

 

 

 

Charlotte Mecklenburg Educational

 

 

 

701 E. 2nd St.

 

 

 

Charlotte NC 28202

 

 

 

Walton Plaza

 

 

 

700 E. Stonewall St.

 

 

 

Charlotte NC 28202

 

 

 

Jail Facility

 

 

 

801 E. 4th St.

 

 

 

Charlotte NC 28202

 

 

 

Hal Marshall Center

 

 

 

700 N. Tryon St.

 

 

 

Charlotte NC 28202

 

 

 

C.P.C.C.

 

 

 

1200 Park Dr.

 

 

 

Charlotte NC 28204

 

 

Cashpoint ATMs - Union County

 

Indian Trail

 

 

 

5880 HWY 74 W STE 201

 

 

 

Indian Trail NC 28079

 

 

 

Monroe SECU Branch

 

 

 

1790 Dickerson Blvd.

 

 

 

Monroe NC 28110

 

 

 

Wash One Car Wash

 

 

 

7850 Idlewild Rd

 

 

 

Indian Trail NC 28079

 

 

 

Union Village

 

 

 

1210 W. Roosevelt Blvd.

 

 

 

Monroe NC 28110

 

 

 

Sunset Plaza

 

 

 

100 E. Sunset Dr.

 

 

 

Monroe NC 28112

 

 

 

Wingate Police Department

 

 

 

3809 US Hwy. 74

 

 

 

Wingate NC 28174

 

 

 

 

 

Franklin Plaza

 

 

 

1678 W. Franklin St.

 

 

 

Monroe NC 28110

 

 

 

Food Lion S/C

 

Y

 

7206 E. Marshville Blvd.

 

Y

 

Marshville NC 28103

 

 

 

Waxhaw Wash One

 

Y

 

101 Waxhaw Township Pkwy.

 

Y

 

Waxhaw NC 28173

 

 

 

Union Medical Center

 

N

 

600 Hospital Dr.

 

Y

 

Monroe NC 28110

Cashpoint ATMs - Gaston County

 

Gastonia SECU Branch

 

 

 

584 Cox Rd.

 

 

 

Gastonia NC 28053

 

 

 

Forestbrook S/C

 

 

 

3208 Union Rd.

 

 

 

Gastonia NC 28054

 

 

 

Gaston Square S/C

 

 

 

Hwy. 321 N.

 

 

 

Dallas NC 28034

 

 

 

Bessemer City Kiosk

 

 

 

421-C E. Virginia Ave.

 

 

 

Bessemer City NC 28016

 

 

 

NC Vocational Textile School

 

 

 

Hwy 74/Wilkerson Blvd.

 

 

 

Belmont NC 28012

 

 

 

York Chester Square

 

 

 

410 W. Franklin Ave.

 

 

 

Gastonia NC 28052

 

 

 

Diane 29 S/C

 

 

 

3830 Kings Mountain Hwy.

 

 

 

Gastonia NC 28052

 

 

 

Cramerton S/C

 

 

 

202 Market St.

 

 

 

Cramerton NC 280563

 

 

 

Berckman Car Wash

 

 

 

3422 S. New Hope Rd.

 

 

 

Gastonia NC 28056

 

 

 

 

Gaston County Courthouse

 

 

 

106 E. Page St.

 

 

 

Gastonia NC 28050

 

 

 

Gaston College, Myers Building

 

 

 

201 Hwy. 321, South

 

 

 

Dallas NC 28034

Cashpoint ATMs - Cabarrus County

 

Concord SECU Branch

 

 

 

538 Lake Concord Rd.

 

 

 

Concord NC 28026

 

 

 

South Concord SECU Branch

 

 

 

280-130 Concord Pkwy. S.

 

 

 

Concord NC 28027

 

 

 

Kannapolis SECU Branch

 

 

 

253 West Ave.

 

 

 

Kannapolis NC 28082

 

 

 

5301 Poplar Tent Rd.

 

 

 

Popular Crossing

 

 

 

Concord NC 28027

 

 

 

Clear Springs Kiosk

 

 

 

929 US Hwy. 29

 

 

 

Concord NC 28027

 

 

 

Kannapolis Market Square

 

 

 

1700 Cannon Blvd.

 

 

 

Kannapolis NC 28081

 

 

 

Carolina Fast Mart #1

 

 

 

3358 US Hwy. 601 S.

 

 

 

Concord NC 28025

 

 

 

Carolina Fast Mart #2

 

 

 

2300 Poplar Tent Rd.

 

 

 

Concord NC 28027

 

 

 

Harrisburg Market S/C

 

 

 

Hwy. 49 N.

 

 

 

Harrisburg NC 28075

 

 

 

The Quik Mart

 

 

 

7985 W. Franklin

 

 

 

Mount Pleasant NC 28124

 

 

 

Cabarrus Expo

 

 

 

4761 NC Hwy. 49 N.

 

 

 

Concord NC 28025

 

 

 

 

Cabarrus Government Center

 

 

 

65 Church St.

 

 

 

Concord NC 28026

 

 

When clicking on a link to a third party website from the the Credit Union's primary website you are now leaving Carolina Cooperative Federal Credit Union's website and are going to a website that is not operated by the credit union. Carolina Cooperative Federal Credit Union is not responsible for the content or availability of linked sites.

Please be advised that Carolina Cooperative Federal Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by the credit union.

 

 

 

 

 

 

 

 

 

 

 

 

 

Visa Credit Card

To report lost/stolen card you must call 800-808-7230 or 800-991-4964

Please also call your local branch to reorder a new card.  Branch Office Phone #ís

 

Visa Debit Card

Lost or Stolen Visa Debit Card please call  1-866-546-8273

Please also call your local branch to reorder a new card.  Branch Office Phone #ís

 

Visa Debit Card Fraud

If you suspect debit card fraud please call our Fraud Center 1-888-685-2265/Fraud Center International 1-866-810-9385.

Fraud email address: fraudctr0270@carolinacoopcu.org

 

 

       

 

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