Banking
Day-to-day money management at your fingertips.
Checking Accounts
A checking account that’s present for you when life happens
Member’s Advantage
- Cell Phone Protection in case of theft or a broken device
- ID Theft Aid with unlimited access to a fraud specialist and up to $2,500 reimbursements.
- 24/7 Roadside Assistance
- $700 Courtesy Pay to avoid overdraft fees
- Access to Bazing, our mobile access to browse, shop, and save with exclusive discounts
All the basics you expect
Basic Checking
- $400 Courtesy Pay
- No monthly service charge
- No required minimum balance
- Overdraft privilege from your share (savings) account
Special Checking Accounts
Special Checking Accounts
Campus Youth
- Guide your middle or high school teen on the path to financial success.
- No monthly service charge
- Free ATM/Debit card
- $10 minimum to open the account with a $15 bonus deposit from CCFCU
- Special rates on Share Certificates (CDs)
Special Checking Accounts
College
- An account for the busy college student with peace of mind for mom and dad.
- No monthly service charge
- Free ATM/debit card
- $400 courtesy pay
- Free basic checks
- $100 minimum to open account
Special Checking Accounts
Super Seniors
- Designed for those 55 years and over as an extra benefit for our senior members.
- Free basic checks (80 checks per order)
- No monthly service charge
- Free ATM/debit card
- Free stop payments
- Free check copies
- Free extra copies of statements
Use our UChoose Rewards program
Make your money work for you with uChoose Rewards! Earn free points with everyday purchases and exchange those points for travel, merchandise, gift cards, and more.
Earn one point for every two dollars spent on eligible Complex Community Visa debit card purchases.
Watch and learn.
Use these helpful videos to stay up-to-speed on the financial tools at your fingertips.
Savings Accounts
Prepare for your future – we’ve got your back.
Our savings accounts speak to our commitment as a credit union. Our classic Savings – or Share – Account offers all the basics for a $25 deposit. Did you know your savings are called “shares” because they represent shares of ownership in CCFCU? And if you’re saving for a little one, our Scottie Savers account is perfect. Kids age 2-12 earn Scottie Bucks with every deposit, which can be redeemed for prizes, and the account pays quarterly dividends.
Available with Apple Pay, Google Pay, Samsung Pay, Garmin Pay and Fitbit Pay.
ATMs
Simple, quick access to your money.
No matter where you are, you can access your funds with CCFCU. Find an ATM around the corner, or use one of our co-op ATMs across the country.
Investment Rates
Providing the best rates for our members.
No matter the economic climate, trust that CCFCU is here to offer you competitive loan rates and deposit rates that are hard to beat.
| Investment Type | Dividend Rate | **APY |
|---|---|---|
| Regular Shares ($25 minimum to open; $100 to earn dividends; Previous Quarter) | 0.25% | 0.25% |
| IRA’s ($0.00 – $9,999.99) | 0.58% | 0.58% |
| IRA’s ($10,000.00 – $49,999.99) | 0.63% | 0.63% |
| IRA’s ($50,000.00 +) | 0.68% | 0.68% |
| MMAC ($2,000.00 – $14,999.99) | 0.58% | 0.58% |
| MMAC ($15,000.00 – $49,999.99) | 0.63% | 0.63% |
| MMAC ($50,000.00 +) | 0.68% | 0.68% |
| Campus MMAC ($Min $10) | 0.58% | 0.58% |
| Christmas Club | 0.25% | 0.25% |
**APY = Annual Percentage Yield – Compounded Daily / Paid Monthly – A 90 day dividend penalty will be imposed for early principle withdrawal. Effective 1/1/2025
| Term / Type | Dividend Rate | **APY |
|---|---|---|
| 6 Month | 3.90% | 3.98% |
| 6 Month Members Advantage | 3.95% | 4.03% |
| 6 Month Campus | 3.95% | 4.03% |
| 12 Month | 4.00% | 4.08% |
| 12 Month Members Advantage | 4.05% | 4.13% |
| 24 Month | 3.50% | 3.56% |
| 24 Month Members Advantage | 3.55% | 3.61% |
| 36 Month | 3.25% | 3.30% |
| 36 Month Members Advantage | 3.30% | 3.35% |
| 60 Month | 3.00% | 3.04% |
| 60 Month Members Advantage | 3.05% | 3.10% |
| 12 Month Jumbo | 4.15% | 4.24% |
**APY = Annual Percentage Yield – Compounded Daily / Paid Monthly – A 90 day dividend penalty will be imposed for early principle withdrawal. Effective 1/1/2025
Complex Community Federal Credit Union
Copyright © Complex Community Federal Credit Union
APR = Annual Percentage Rate
APY = Annual Percentage Yield
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Equal Housing Lender