The Credit Union Difference
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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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The credit union difference

The Credit Union Difference

  • Eligibility

  • Advantages

  • Products & Services


The credit union difference

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


Credit union advantages we start where banking stops

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


Products services

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


The credit union difference

CACU Mortgage Differences

  • Pricing Advantages

  • Product Advantages

  • “Blitz” Product


Cacu mortgage pricing advantages 1

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.


Cacu mortgage pricing advantages 2

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.


Cacu mortgage product advantages

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


Cacu mortgage product advantages cont

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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