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Are you a "Full Service" Member?
Give your finances a tune-up, and reap the benefits of our Taking advantage of ALL FOUR of these services earns you an extra 3/4%* off your personal loan rates! Get FREE Online Banking AND Bill Payer Service too! *rate reduction applies to new and used titled vehicle and boat loans. For The Saver
For The Borrower
For Everybody
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Savings and Investing Share Savings Accounts enable members of The Cleveland Police Credit Union, Inc. to accumulate money regularly for both short and long range financial objectives. With a Share savings plan, your funds are available when you want them to meet any emergency that may arise - without delay. Accounts may be opened for a minimum of $5 and deposits may be made at anytime. Christmas Club may be opened in addition to your original savings account. Christmas Club checks are sent out by November of each year. Secondary Savings Account & Vacation Club may be opened in addition to your original savings account. |
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Investment Share and Certificates Investment Share Certificates - are similar to certificates of deposit. Our investment share program has been tailored for you our member, to give you the highest possible rates, flexibility and convenience. Dividend Rate: We will change our rates as market conditions demand. We will strive to offer competitive rates. Once you purchase a certificate, the rate will be constant during the life of the certificate. Early withdrawal Penalty shall be on the entire certificate balance prior to maturity. Notices: A periodic statement is mailed detailing your transactions. |
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Credit Union Checking Account Having your checking account at Cleveland Police Credit Union is a service which is more convenient and less costly than if your checking account were at a bank, savings and loan or other financial institution. Consider these advantages:
VISA Check Card: You can now use your VISA Check Card anywhere VISA Debit is accepted & access your savings & checking 24-hours a day. We've got a good deal for you! |
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2500 Club The Cleveland Police Credit Union offers a variety of ways to save, and with our 2500 Club you'll save even more! To join 2500 Club, make a new deposit of at least $2,500.00 into a SAVINGS, CHECKING, INVESTMENT SHARE, or MONEY MARKET account. You must maintain a balance of $2,500.00 or more to remain in 2500 Club.
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Individual Retirement Accounts The Individual Retirement Account (I.R.A.) is a long term savings plan with special tax advantages.
Roth IRA This new IRA Account allows up to $4,000* non-deductible deposits with all earnings free of federal income tax if the money saved is on deposit for five years or more. Another feature of this account permits funds to be withdrawn penalty-free for qualified education expenses and can be both penalty-free and tax-free for first-time home purchases up to $10,000. The Roth IRA is phased out for individuals with an adjusted gross income of $95,000, ($150,000 for joint filers).
Traditional IRA This IRA allows a deductible deposit of up to $4,000* for those who qualify and the earnings are tax-deferred until time of withdrawal. Under the new law, penalty-free withdrawals are allowed for education and first-time home buyers.
Education IRA As of January 1, 2002, this non-deductible IRA allows contributions up to $2,000 per year/per child annually for the benefit of a child's education. Earnings will be tax-free for qualified education expenses. Contribution to this account is phased out for individuals with adjusted gross income of $95,000 ($190,000 for joint filers). The Tax Relief Act of 1997 gives you a great opportunity to plan for a more secure future. Stop by our office and speak to our IRA specialist for more details. |
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VISA Credit Cards 
Introducing Verified by Visa Create a password that protects you when you buy online. Now you can give your online purchases the added safety of Verified by Visa password protection. Create your password right now at www.visa.com/verified! Click here to learn more and/or to apply for Elan Visa Consumer or an Elan Visa Business Credit Card Credit cards are not created equal! At first glance there may not appear to be many differences between the credit card you already have and a Credit Union VISA Card, but looks can be very deceiving. Excellent everyday benefits for our Cardholders
You'll feel safe and secure with Visa's Zero Liability* and Fraud Protection. What's more, you'll enjoy the convenience of instant cash at ATMs worldwide! And you can select your own easy-to-remember PIN, just call Cardmember Service at 1-800-558-3424*
Isn't it time you traded in your credit card for a Credit Union VISA card?
*Limitations and restrictions may apply. Details will be provided when you become a card member.
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"Who Said Quit?" Retiree Services Many of our members have retired, and many others are contemplating retirement. We would like to take this opportunity to congratulate everyone, and wish them success in whatever endeavor they may choose. But, let us caution you the need for financial services will always continue to exist, whether you are retired or not! The policy of your Credit Union is "Once a member -always a member!" So why quit? - Retirement from employment does not discontinue the need for financial services. For those retirees who are seeking to enhance their monthly income, various types of investment vehicles are available, all at very attractive, competitive rates. And best of all, these deposits are federally insured! Various types of loans are available at very attractive rates for those wanting to buy a vehicle, finance a trip to visit children or relatives, purchase a home or secondary home, or for whatever purpose you deem necessary And don't forget the convenience and safety offered by direct deposit of Society Security and Pension checks. |
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Checkmate! Make a Move to Cleveland Police Credit Union, Where You're Never a Pawn One of the smartest moves you can make is to open a checking account with Cleveland Police Credit Union. With our checking, you get ahead of the game:
For more information, call (216) 861-3535 or toll free (888) 269-2156 and ask to speak with a Member Service Representative. You'll always win with: |
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Insurance Credit Life Insurance: is available from your credit union for its members. This protection, in most cases, will pay the outstanding balance on a Member's loan upon his/her death. Maximum amount of insurance is $30,000 per loan. Mortgage Life Insurance: May be purchased to cover any real estate loan obtained at the credit union. If you want the extra protection of knowing your loan is paid for in the event of your death, this low cost life insurance is for you. Credit Disability Insurance: is available with your loan at minimal cost. Think for a minute .... what might happen if you were disabled through sickness or accident! Not a very pleasant prospect, but we all know it can happen. That's why we're offering you the opportunity to protect yourself and your family with Credit Disability Insurance. This coverage will continue making your loan payments if you become temporarily or permanently disabled for longer than the required waiting period. Available for both personal and mortgage loans. All Member Savings Accounts: are Federally Insured to $100,000 by the National Credit Union Administration, a U.S. Government Agency. Your Credit Union carries a surety bond covering employees of the credit union and their handling of members' money. |
CopLine When You Have Credit Union Business To Complete, Call CopLine Audio Response! CopLine Audio Response at Cleveland Police Credit Union lets you obtain information about your accounts and our services when the time is right for you:
You name the time...this service is available to you 24 hours a day, seven days a week for these transactions:
CopLine Audio Response may be reached by calling: You will need a Personal Identification Number in order to access CopLine Audio Response. You may begin carrying out transactions with this service by using the last four digits of your Social Security Number as your PIN. Once you are into the CopLine Audio Response system, you can change your PIN if desired. When it comes to completing credit union business, let CopLine Audio Response serve as your partner! |
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ATMs
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