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Tips & Info
MEMBERS® Auto & Homeowners Insurance Program
You trust Central Credit Union of Maryland to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto & Homeowners Insurance Program.- The MEMBERS Auto & Homeowners Insurance Program is the property and casualty coverage solution preferred by credit unions and their members.
- Access convenient e-service, pay your bill or make changes to your policy, even report a claim.
- Receive fast, easy access to claims service 24 hours a day.
- Obtain a free, no-obligation quote.
The MEMBERS Auto & Homeowners Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.
Why Throw Away Your Money? Save with Sprint!
Join the 1 million credit union members nationwide that are already saving over $74 million on their wireless plans! CCUMD is pleased to bring our members these major savings through the Sprint Credit Union Member Discount Plan.
Ways you can save:
- 10% off most regularly priced Sprint individual service plans
- 15% off most regularly priced Sprint business service plans
- Waived activation fee on new activations
- Waived upgrade fee
- Available to new and existing Sprint customers
Enjoy the perks, benefits and exclusive discounts that only credit union members like you can receive.
3 Ways to Get Your Discount:
- Call 877.SAVE.4CU (877.728.3428) and let them know you’re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save
- Click www.SprintSave4CU.com
- Visit your nearest Sprint store
What are you waiting for? Start saving today!
We're Still Lending!
You may have seen or heard about other financial institutions that have all but stopped lending in this economy. That's NOT Central Credit Union of Maryland. Your credit union is still making the same kinds of wise lending decisions we've always made. You can depend on us for the loans you need!
Auto Loans and Refinances: we realize that the prices of many cars right now are at record lows and that this is a great time to buy. And for members who want to keep the car they already have, refinancing that auto loan at a lower rate can save hundreds!
Home Equity Loans: homeowners may find the low rates of a home equity loan particularly beneficial for consolidation of other debt. With several convenient terms, you could enjoy paying ONE low payment a month instead of several.
Visa Platinum Credit Card: this is a great time to transfer high rate credit card balances to your CCUMD credit card. Don't pay more than you have to in this economy.
Call 410-828-4500 to speak with someone in our loan department today.
Feeling the PINCH of this Economy?
Have you had trouble paying your bills on time? Have you had calls from debt collectors?
We truly understand that times have been tough for so many of our members recently. If you're having trouble paying all your bills on time, please let us know. While some companies don't take into consideration each individual's circumstances, we make every effort to work with our members on the loans they have at CCUMD...it's just one of the benefits of being a credit union member. Keep the lines of communication open by talking to us about your situation. If we don't hear from you, we can't help.
Be VERY wary of companies that claim to "help you out of debt" by "forgiving" or "cancelling" some or all of your debt. There are many unscrupulous companies out there looking to profit from consumers' misfortune. For safe and reliable assistance with managing you debt, contact the Consumer Credit Counseling Service of Maryland and Delaware, Inc. at 1-800-642-2227. They're an accredited nonprofit community service organization that you can trust.
Contact us at 410-828-4500 or memberservice@ccumd.org
Tips to Weather the Recession
We many not know how long it will last, but the recession is here. This economy is affecting most consumers in some way and people are getting creative to make sure their finances are protected. Below are some tips for helping you weather this economy:
Protect Your Income:
1. Safeguard your job: Do what you can to stand out at work and increase your value to your employer.
2. Prepare for layoffs: Even if you feel your job is safe, be ready for the unthinkable. Keep your resume updated and stay connected with colleagues in your industry.
3. Earn extra income: If possible, pick up a second job and anything extra that you make from that job can go right to your bills.
Reduce Your Expenses:
1. Refinance your mortgage: Since interest rates are at record lows, refinancing your mortgage for a lower rate might be a GREAT move for you, especially if you currently have an adjustable rate mortgage.
2. Refinance high interest loans and credit cards: If you're paying high interest rates on credit cards (this includes department store credit cards) or loans, consider refinancing into lower rates to save money.
3. Reduce spending: Any way you can...at the grocery store, cheaper cell phone service, carpooling or taking public transportation.
Saving and Investing:
1. Retirement saving: If you're able, investing in an IRA, may be a great option.
2. An emergency fund: Try to save enough to cover 3-6 months worth of expenses.
Your Credit Union can lend a hand!
- Bring your high rate loan and credit card balances to us...we'll do everything we can to try to get you a lower rate than you're currently paying!
- Homeowners could benefit from a low rate home equity loan.
- Refinance your mortgage to a lower rate to possibly reduce your payment!
- Open an IRA to help you save for retirement the SAFE and smart way.
- Grow your emergency fund in an NCUA insured money market account.
Contact us NOW for help weathering this economy. Your Credit Union is here for you!
We can be reached at 410-828-4500 or memberservice@ccumd.org
Great News!
The Great News is that your credit union can save you money! And who doesn't need to keep a few extra bucks in their pockets every month?
Here are three ways you may be able to save money monthly:
1. Did you get your auto loan through the dealer or another financial institution? Bring it to Central and we may be able to lower that rate! Download our Auto Loan Application and fax it to 410-337-4905 today!
2. Own a home? Your home could provide the cash you need! A Home Equity Loan with Central will help you get that cash! Download a Home Equity Application and fax it to 410-337-4905 today!
3. Those monthly bills piling up? Why not consolidate them at Central for one low monthly payment! You could save thousands! Download a Loan Application and fax it to 410-337-4905 today!
Or, give us a call at 410-828-4500 or email us to find out the best way to save money every month!!