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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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Presentation Transcript
slide1

The Credit Union Difference

  • Eligibility
  • Advantages
  • Products & Services
slide2

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
slide5

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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