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Products & Services

Checking

Federal Employees of Chippewa County Credit Union can help you keep more of your money with a free checking account. We also save you time and money by giving you 24-hour access to your account through ATM/Debit Cards, Online Banking, Online Bill Pay, Mobile Banking, Direct Deposit, and low-cost checks. And with our overdraft protection options, you can avoid costly mistakes and feel secure that your checking account is working for you.

Get more for less with our checking accounts. No monthly account fees, no minimum balance requirement and no per-check fee. 

Overdraft Protection
Rest easy knowing you will never overdraw your checking account. We’ll automatically transfer money from your savings to cover your overdraft. Apply for a line of credit for when you are a little low in your savings.

Loans

You might need a loan for a number of reasons; to buy a car, purchase property, make some improvements around the house, or go on a honeymoon. We want to help you buy what you need today, and Federal Employees of Chippewa County Credit Union offers affordability and convenience. Our loans come with low interest rates, two hour loan approval on most loans, flexible terms, and fast friendly service. You are not penalized for paying them off early. We offer low-cost credit life and disability insurance on most of our loans. We will walk you through the process. Just tell us what you need and we will help you choose the best option. Apply Online!

Any Purpose Loans
If you’ve had an unexpected situation arise and you need money fast, or you want to combine some of your bills, apply for a personal unsecured loan. 

Auto Loans
Yes, you can have that vehicle you want! Whether it’s brand new or just new to you, we’ll have you driving in no time with our easy payment plans, flexible terms, low interest rates, and no processing fees. 

Line of Credit
Rest easy knowing you will never overdraw your checking account. When you are running low in your savings account, a line of credit will transfer money to cover your checking overdraft.

Recreational Vehicles
Boats, Motors and Trailers
Share and CD/Secured

NADA Online Guide
When it’s time to buy a car, boat, motorcycle or travel trailer, turn to www.nada.com to check the value.

Mortgages
Looking to buy a house or refinance? Federal Employees of Chippewa County Credit Union has a great referral program! Start house shopping today!

Federal Employees of Chippewa County Credit Union is an Equal Housing Lender.

Savings

Whether you’re saving for your first car, a college education, a special vacation, this year’s holiday shopping or your retirement, we want to help you reach your goals. That is why we offer a variety of savings accounts that earn very competitive rates. Your accounts are safely insured by the National Credit Union Association (NCUA) for up to $250,000.00.

We will send you easy to read statements every month for checking account members or every quarterly for savings-only members. Or you can view your statements electronically with our easy to use e-statements as often as you would like. Start saving now!

Basic Savings Account
As the basic building block of your membership with Federal Employees of Chippewa County Credit Union, your share savings account qualifies you to apply for all other credit union services as long as you keep a minimum monthly balance of $5.00.

Savings and Investment Rates

Special Savings Accounts
If you are saving for a specific purpose or you want to keep a portion of your money separate from the rest, you can open a special savings account with no minimum deposit. Name it whatever you would like; Vacation Account, College Fund, Happy Money, You name it! You can take money out when you need it…with no penalty.

Christmas Club Account
To ease your burden during the holiday, deposit all year on a regular basis. The amount grows quickly. Your plan comes together in November, just in time to begin your shopping.

Money Market
With as little as $5,000.00, you can open a money market account and earn more.

Certificate of Deposit (CD)
With as little as $500.00, you can purchase a CD over three months to five years. Your interest rate is fixed for the entire term. Interest can be compounded or paid monthly to your basic savings account. Check out our current CD Rates!

Savings and Investment Rates

Individual Retirement Accounts (IRA)
Start saving for your retirement with as little as $10.00, and your money will earn tax-deferred interest. IRAs are an excellent way to invest in your future.

Other Convenient Services

At Federal Employees of Chippewa County Credit Union we offer a variety of services designed to work with your busy lifestyle.

ATM Card
You may qualify for an ATM Card if you have either a savings or a checking account with Federal Employees of Chippewa County Credit Union. Use your ATM card and personal identification number (PIN) to make free deposits and/or withdrawals at any Co-Op Network participating locations and credit union.

Debit Card
The MasterCard Debit Card offers the convenience of an ATM card, the flexibility of a personal check and the worldwide acceptance of a credit card. Use it anywhere MasterCard is accepted, whether you’re paying for gas, groceries, buying new clothing or home furnishings, or making flight reservations. Or use it just like an ATM card to get cash fast. Best of all, you don’t pay interest charges or fees!

Online Banking (Internet Banking)
With our FREE Online Banking you can transfer money, view your balance or see if a check has cleared. Online Banking is quick, easy and completely secure.

Online Bill Payment
Why spend time writing the same old checks month after month? Pay your phone bill, set up an automatic schedule for your mortgage payments, or have a check sent to the babysitter. Online Bill Payment is a convenient free service!

E-Statement 
E-Statements offer you a fast and easy solution for viewing, printing and saving your monthly or quarterly account statements. Enjoy 24/7 access to your FECCCU e-Statements. 

Mobile Banking
With our FREE Mobile Banking you can view your account balance and transfer money from the convenience of your phone (not all phones/devices are supported). 

Credit Cards (VISA)
With low interest rates and no annual fees our VISA Cards are designed to save you money.

Gift Cards
Visa Gift Cards provide convenience by allowing recipients to make purchases anywhere the Visa logo is accepted. Exceptions are Hotels, Gas Stations, ATM’s and Car Rentals. Cards can be purchased in values from $10 through $500 and are activated within 24 hours.

Direct Deposit and Payroll Deduction
Get your paycheck into your account right away with direct deposit. Just sign up and we’ll take care of the rest. And with payroll deduction, you can put parts of your paycheck into more than one account of suffix.

Service Center Shared Branches
Need to make a deposit or withdrawal while you are on the road? It is easy with Federal Employees of Chippewa County Credit Union’s service center shared branches, which offer hometown convenience and nationwide access at over 1,500 centers or at over 20,000 Co-Op Network ATMs across the United States and Canada. To find a location you can call 1-888-SITE COOP or search online at www.co-opnetwork.org.

Special Services

  • US Savings Bond (Redemption)
  • Money Orders
  • VISA Travel Cards
  • VISA Gift Cards
  • Postage Stamps
  • Photo Copying
  • Fax Service
  • Notary Service
  • Certified Checks
  • Account Balancing
  • Automatic Coin Counter
  • Wire Transfers
  • Utility Pay Station
  • NADA Blue Book Quotes

Fees may apply to the above services


Federal Employees of Chippewa County CU
119 E. Water Street
Sault Ste. Marie, Michigan 49783
(906) 632-4210