What's New

Non-Chip MemberCard Debit Cards Set to Expire

As of May 25th, 2011, all MemberCard® Debit Cards that do not have a chip are set to expire and will no longer work.  As the final step in the transition to Chip Card technology, the last of Community Credit Union's magnetic stripe cards are up for expiration, and as such, all members should have new chip cards.  If you have not received your chip card, please contact your branch.  If you have received your chip card, but have not activated it yet, please make every effort to do so proir to the May 25th expiration date.  Transactions to your existing card will be declined after this date.

Paperless Banking

Effective September 1st, 2010 Community Credit Union is switching to paperless banking!  We'll no longer be supplying paper statements to our members in an effort to be more environmentally conscious.  Community Credit Union's MemberDirect online statements contain the same detailed information as your paper statements.  You can access your online account statements from almost anywhere - 24 hours a day, 7 days a week - along with a variety of other banking services that allow you to access and manage your money.

To sign up for MemberDirect online access, please contact us at 709-279-3510.


Mobile Banking

Mobile banking gives you real-time access to your accounts wherever you happen to be.  Just send a quick text message to your account and you'll receive a message back.  It's fast, it's easy and it's free*

Mobile banking works on all text-enabled phones.  It doesn't matter what kind of cell phone you have, as long as you can send and receive text messages.

Check your balance and recent account activity from anywhere you can get a signal - instantly.  You'll get the account information you want, when you need it, without having to find a computer.  Have complete peace of mind with the ability to check what's going on in your account.

Your personal information is aways secure - the only details transmitted will be your account balance or recent account activity.  Even if you lose your phone, no one can make changes to your account, steal funds, or see your personal and financial information.  And, it's quick and easy to cancel mobile banking if needed.

Ready to sign up?

To go mobile, all you need is access to online banking.  Don't have it?  Contact your branch to sign up today.

If you're already an online banking user:

Login to your online account and click on mobile banking.

Enter your mobile phone information.

You'll receive a text message with your passcode.

Confirm your passcode and select the accounts you want to access with mobile banking.

Once you've signed up it's easy to use.

Account Balance

To check your account balance, simply text BAL to MONEY (66639).  Within moments, you will receive a text message with your account balance information.

All Account Balances

To check all of your account balances, simply text BAL ALL to MONEY (66639).  You'll receive a text message with the balance information of all your selected accounts.

Transaction History

To view your recent account activity, simply text ACT to MONEY (66639).  You'll receive a text message with the five most recent transactions on your account.

To make things even simpler, you can save the short code (66639) in your phone for quick and easy access.

*Standard text messaging rates may apply depending on your provider and plan


Tax-Free Savings Account (TFSA)

Starting in 2009, Canadians aged 18 and older can save up to $5,000 every year in a Tax-Free Savings Account.

The Government has introduced a new Tax-Free Savings Account (TFSA), in an effort to encourage personal saving by reducing taxes on savings.  The TFSA will allow Canadians to set money aside in eligible investment vehicles and watch those savings grow tax-free throughout their lifetimes.

How the TFSA Works

- Contributions to a TFSA will not be deductible for income tax purposes but investment income, including capital gains earned in a TFSA will not be taxed, even when withdrawn.

- Unused TFSA contribution room can be carried forward to future years.

- You can withdraw funds from the TFSA at any time for any purpose.

- The amount withdrawn can be put back in the TFSA at a later date without reducing your contribution room.

- Neither income earned in a TFSA nor withdrawals will affect your eligibility for federal income-tested benefits and credits.

- Contributions to a spouse's TFSA will be allowed and TFSA assets can be transferred to a spouse upon death.

Check back for updates from Community Credit Union, or click here for a brochure from the Government of Canada.