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The Credit Union Difference

The Credit Union Difference. Eligibility Advantages Products & Services. Membership—Who can Join?. Live or work in select counties MO – Clay, Jackson, Platte, St. Charles KS – Douglas, Johnson, Jefferson, Leavenworth, Miami, Shawnee, Wyandotte Select Employee Groups

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The Credit Union Difference

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  1. The Credit Union Difference • Eligibility • Advantages • Products & Services

  2. Membership—Who can Join? • Live or work in select counties • MO – Clay, Jackson, Platte, St. Charles • KS – Douglas, Johnson, Jefferson, Leavenworth, Miami, Shawnee, Wyandotte • Select Employee Groups • Family Eligibility

  3. Credit Union AdvantagesWe start where banking stops! • Not for Profit, Member-Owned • Ownership Participation Dividend • Governed by Volunteer Board of Directors • Lower fees, lower loan rates, higher deposit rates

  4. Products & Services Full-Service Financial Institution • Checking • Savings • Money Markets • CDs • Loans • Financial Coaching • Financial Planning Services Convenience • 32 Branches (KC Metro, St. Louis, Topeka) • 28,000 ATMs Nationwide—surcharge free • Online Banking, Mobile Banking

  5. CACU Mortgage Differences • Pricing Advantages • Product Advantages • “Blitz” Product

  6. CACU Mortgage Pricing Advantages - #1 • 90 Day Lock N Shop Program • Lock your rate for 90 days while you shop for a home! • Do not need a property address to lock. • Free .125 rate float down within 30 days of closing.

  7. CACU Mortgage Pricing Advantages - #2 • Extended Lock Programs • Lock today’s rate for 6 months for .75 in price. • Lock today’s rate for 7 months for 1.00 in price. • Free float down up to .125 in rate within 30 days of closing. • Lower PMI than commercial banks – examples will be provided.

  8. CACU Mortgage Product Advantages • Combo Loans • 80/15/5 up to $417K total loan amount; 80/10/10 up to sales price of $950K • Jumbo Loans • Add .75 to conforming rates. Also have the ability to do a 80/10/10 combo up to $950K. • Bridge Loans • Allows you to purchase new home without selling existing. • USDA • MHDC Loans • No down payment program for Missouri properties

  9. CACU Mortgage Product Advantages, cont. • Bi-Weekly Payments • “Blitz Program” • New program designed to accommodate the “rush” purchase. Big banks are not set up to easily accommodate a purchase transaction to close within as little as 7 days, but we have set up a new process that will allow for these “rushes”

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