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Educators

Products and Services Designed for Educators*


Enjoy products and services that offer convenience, and a way to earn and save.


CONVENIENCE

  Checking Your Way1

  • Instantly issued debit card
  • Mobile Banking with mobile deposit
  • No monthly service fee
  • No minimum deposit required
  • Free access to over 30,000 ATMs

  CCU Pay Card

  • Reusable debit card that automatically loads paycheck each pay day
  • Currently exclusive to LAUSD employees
  • Visit CCUPaycard.org for more details

EARN

  School Summer Savings2

  • Grow your money faster with 3.00% APY
  • Make monthly payroll or direct deposits ranging from $50 up to $2,000
  • Withdrawal available at any time
  • Disbursed in July

BORROW

  .25% APR Mortgage Loan Discount3

  • Receive a rate discount of 0.25% APR 
  • Primary residential loan only

  School Rewards Visa Credit Card

  • Enjoy rates as low as 10.99% APR
  • Give 1% cash rebate to your school of choice on all purchases

  0% APR Classroom Cash4

  • Designed especially for teachers
  • Borrow up to $1,500 at 0% APR
  • No credit qualifications required (first time borrower only)

  0% APR Gear Up Loan5

  • Designed especially for education employees serving outside of the classroom
  • Borrow up to $500 at 0% APR
  • No credit qualifications required (first time borrower only)

  Next Career Steps Loan6

  • Designed for teachers who are pursuing their next steps in the educational field
  • Borrow up to $10,000
  • 5.9% Fixed Rate for up to 60 months

  Relocation Loan7

  • Receive up to $5,000 towards moving expenses
  • 5.9% Fixed Rate for up to 36 months

  Educator Skip-A-Pay8

  • Designed for educators who may not get paid during the summer months
  • Can skip two loan payments per year (July and August OR August and September)
  • Available on most loans

Disclaimer:

*To take advantage of any educator perk, the member must show proof they are currently employed at a public or private school district or institution of higher education within California. Membership is required.

1 Minimum opening deposit without Direct Deposit – $100. $3 monthly statement fee per checking account if average monthly balance falls below $1,000 or paper statements are selected for the account. A separate surcharge may be assessed by ATM owner/operator. Surcharge waived on CO-OP ATMs.

2 APY = Annual Percentage Yield is subject to change without notice. Requires monthly direct deposit into the summer savings account of $50 – $2,000 and can only be made via direct deposit or payroll deduction. Total deposits must not exceed $2,000 per month ($24,000 per year) (July 1 – June 30). The Credit Union will distribute the balance of the account in July via transfer into a CCU account.

3 Primary residence only. Proof of employment at a California public or private school is required. Standard underwriting guidelines apply.

4 One per calendar year. APR = Annual Percentage Rate. Max term of 12 months. Estimated 12 monthly payments per $1500 borrowed is $125. Requires direct deposit of $1,000.00 or more in a CCU account prior to loan funding and automatic payments at signing. No credit report is needed for first time borrowers. Subsequent applications will require credit report and minimum underwriting.

5 One per calendar year. Max term of 10 months. Estimated 10 monthly payments per $500 borrowed is $50. Enrollment in E-statements required. Requires direct deposit of $1,000.00 or more in a CCU account prior to loan funding and automatic payments at signing. No credit report is needed for first time borrowers. Subsequent applications will require credit report and minimum underwriting.

6 Estimated monthly payment for $10,000 borrowed is $193.00 for 60 months at 5.9% APR. Requires direct deposit of $1,000.00 or more in a CCU account prior to loan funding and automatic payments at signing. Additional documentation is required.

7 One per family. Max term of 36 months. Estimated monthly payment for $5,000.00 borrowed is $152.00 at 5.9% APR. Requires direct deposit of $1,000.00 or more in a CCU account prior to loan funding and automatic payments at signing. Additional documentation is required.

8 Members who skip summer payments will see an increase in the monthly payment amount. Available on all loans except share plus, credit card and share/certificate secured and mortgage loans.

Member must be in good standing with California Credit Union. Offers subject to change without notice.