Member Welcome Guide
This page is intended as a reference for former CCCU and FECCCU members. Below you will find helpful information and links.
CCCU and FECCCU Routing #: 291173047
Products
Debit/Credit Cards
CCCU Platinum and Platinum Preferred
Have you checked the Annual Percentage Rate on your credit cards lately? One of the benefits of membership is low, low rates on VISA credit cards – All the time, not just as an introductory rate to get you in the door.
Our members enjoy the prestige of Platinum and you can too! Along with great rates, our VISA cards come with all the bells and whistles:
- Zero Annual Fees
- Zero Balance Transfer Fees
- Built in Fraud Protection
- Built in Payment Protection
- Low Annual Percentage Rates at 8.95% APR for Platinm Preferred and 12.84% APR for Platinum
- Platinum Preferred cardholders earn points to use on merchandise or travel!
We also offer low balance cards for building credit, online purchases or sending your student off to college with a low spending limit.
Stop in and pick up an application in our offices today or call us at (906) 632-3134 for more information.
Uchoose Visa Rewards
| Interest Rate & Interest Charge | Platinum | Platinum Preferred |
| Annual Percentage Rate (APR) for Purchases | 12.84% | 8.95% |
| APR for Balance Transfers | 12.84% | 8.95% |
| APR for Cash Advances | 12.84% | 8.95% |
| Penalty APR & When it Applies | None | |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. | |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.50 | |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. | |
| Fees | Platinum | Platinum Preferred |
| Annual Fee | None | None |
|
Transaction Fees Balance Transfer Cash Advance Foreign Transaction
|
None None 1% of each transaction in U.S. dollars |
None None 1% of each transaction in U.S. dollars |
|
Penalty Fees Late Fees Over-the Credit Limit Returned Payment
|
Up to $20.00 None Up to $15.00 |
|
How we calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Platinum: The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rateof 1.07% which is an ANNUAL PERCENTAGE RATE of 12.84% to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges. A Finance Chargewill be imposed on Cash Advances from the date of the Cash Advance or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later,and will otherwise be calculated in the same manner as explained above for Credit Purchases.
A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25-day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current full or until the date of payment if more than 25 days from the closing date.
Platinum Preferred: The Finance Chargefor a billing cycle is computed by applying the monthly Periodic Rate of .746% which is an ANNUAL PERCENTAGE RATEof 8.95%to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges. A Finance Chargewill be imposed on Cash Advances from the date of the Cash Advance or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later,and will otherwise be calculated in the same manner as explained above for Credit Purchases.
Credit Card Support
VISA Credit Card Support Information:
If your Visa Credit Card has been stolen, lost or there are unauthorized charges on your account, please call the appropriate number listed below immediately!
Assistance is available 24 hours a day 7 days a week at the numbers listed below:
If you live with in the United States and your VISA card has been Lost/Stolen please contact : 855-256-9752 . If you are calling Internationally please contact : 301-287-9906 assistance is available 24 hours a day 7 days a week.
If you notice Fraudulent charges on your VISA card or are returning a call to VISA Fraud department please contact : VISA FRAUD: 855-256-9752 assistance is available 24 hours a day 7 days a week.
If you have questions in regards to your VISA uChoose Rewards please contact uChoose rewards at : 304-577-6611 assistance is available to help with all your uChoose Rewards questions.
Visa Credit Card Fraud occurs when your card information has been compromised. Visa has developed multiple fraud prevention and detection systems and programs to help detect fraudulent activity.
If you are aware of, or have been a victim of, fraud associated with your Chippewa County Credit Union VISA card pease do not hesitate to call any of the numbers listed above.
For More information in regards to VISA Fraud & Fraud Prevention we have listed the VISA website with great content for your informational needs
https://usa.visa.com/support/consumer/security.html#2
If you have any questions in regards to your VISA card and would like to discuss it with a Chippewa County Credit Union employee representative please contact our main office Monday-Friday at 906-632-3134 ext. 131 to speak to a representative of our plastics department.
Debit Card Support
Debit Card Support Information:
If your Debit Card has been stolen, lost or there are unauthorized charges on your account, please call the appropriate number listed below immediately!
Assistance is available 24 hours a day 7 days a week at the numbers listed below:
If you live with in the United States and your Debit card has been Lost/Stolen/Fraudulent Activity please contact : 800-472-3272 assistance is available 24 hours a day 7 days a week.
If you have been contacted by the Fraud department and have an open Fraudulent case on your Debit card or are returning a call to the Fraud department please contact : CARD FRAUD W/OPEN CASE: 877-253-8964 assistance is available 24 hours a day 7 days a week.
Debit Credit Card Fraud occurs when your card information has been compromised. Chippewa County Credit Union has developed multiple fraud prevention and detection systems and programs to help detect fraudulent activity.
If you are aware of, or have been a victim of, fraud associated with your Chippewa County Credit Union Debit card please do not hesitate to call any of the numbers listed above or contact Chippewa County Credit Union Plastics Department.
If you have any questions in regards to your DEBIT card and would like to discuss it with a Chippewa County Credit Union employee representative please contact our main office Monday-Friday at 906-632-3134 ext. 131 to speak to a representative of our plastics department.
To Reset your Debit Card pin, call 800-992-3808
Services
Incoming Wire Information
To: Alloya
Southfield, MI
ABA # 2724-7807-5
Further Credit to: Chippewa County Credit Union or Federal Employees of Chippewa County Credit Union
Routing number 291173047
Final Credit to: Member Name
Member Account Number:
Online Help
Online Login
Mobile App
Getting to Know ItsMe 247
Remote Deposit Capture
Transferring Money
