Products & Services

Smart ways to save
  • Share Savings accounts earn more interest than passbook accounts at local banks.
  • Money Market Savings accounts let s you have access to your money while earning higher dividends.
  • Share Certificates (time deposits based on length of maturity and amount of the deposit) earn at an even higher rate.
  • Christmas Club accounts.
  • All accounts are insured up to $100,000 by the National Credit Union Administration, an agency of the United States government.   

NEW SERVICE

  • Home Banking - Secure, Reliable, and Free!  Access your accounts, check your balances and transfer funds between accounts.  View & print your checks for FREE (request a check at the counter and pay $3.00 per check)
  • Sign up for home banking by emailing your name and phone number  hb@stcharlescu.org

Home Banking
 

Click here to access home banking

For Frequently Asked Questions about Home Banking, click here

 
Smart ways to borrow

Borrow at below-market rates, with free credit life insurance* and no prepayment penalties.  Check out our Rates page for the latest information.
      
  • New and used car loans. 
  • First mortgage loans. *  ++
  • Second mortgage loans.*
  • Home equity line of credit *
  • Share loans.
  • Student loans.*
  • Signature loans.
*Credit life insurance is not included on mortgages or student loans.
 
++We are now offering all types of First Mortgage loans - conventional fixed-rate, adjustable-rate (ARM), first time home buyers, second or vacation home, interest only and more. For more information or to make an appointment, call 440-886-2558 during office hours or click here to apply on line.
 
For our existing First Mortgage members, please click here to access your mortgage account history.
 
How to Apply for a Credit Union Loan

It's easy to apply for a loan at the Credit Union!  Click here to download a copy of the application or stop in or call the office for a loan application. Your application must be completed in full.  We must know your income and its source(s), as well as your debts in order to process your loan. You must also show some proof of income such as your pay stubs, W-2 or current tax return.

Our staff will request a report on your credit status from the credit bureau. Your application and credit report will be reviewed by staff Loan Officers or the Volunteer Credit Committee to see if you fall within the Credit Union's standards for collateral, debt ratio and credit worthiness. These standards are established by the Board of Directors and vary depending on the type of loan you are requesting. Some approvals may be made the same day, but all approvals are normally completed within two working days.

If your loan application does not fall within our guidelines, you may be asked to find a co-maker or to supply additional information.

Once your loan has been approved, an appointment will be set up for the applicant and co-maker (if applicable) to sign prepared paperwork and issue the loan proceeds.

If you have any questions - about the loans we offer or the loan process - please call 440-886-2558 during business hours. 
VISA - a smart credit card
A Credit Union VISA card has a low rate, no annual fee, and a 25-day grace period on new purchases.  To view your VISA account online, click here.
SmartChecking
Free, no-fee checking accounts earn interest on the daily balance and have free overdraft protection and ATM access through the STAR network.  And, for qualified members, you can access your checking account at any MasterCard location with our New Debit MasterCard!
 
Reorder personal checks online http://www.clarkeamerican.com/checks
Reorder business checks online  https://www.clarkeamerican.com/businesschecks
 
Your accounts can be accessed at any Alliance One Network machine or any Key Bank machine in Ohio, Indiana or Michigan with NO FEE.
 
Amusement Park Tickets
Save on summer fun!  Discount tickets are available (May through October) at the Credit Union office for these local attractions:
Cedar Point
Adult (One day pass) - $34.00
Adult Ride -n- Slide (Two day pass) - $66.00
Senior/Junior (under 48" tall, 3 & older) - $12.95
Soak City - $24.00
 
Geauga Lake
Adult (One day pass) - $22.00
Senior/Junior (under 48" tall, 3 & older) - $12.95
 

SmartMoney Line

SmartMoney Line 440-886-2900

The SmartMoney Line is an automated line available 24 hours for your convenience.  You can use the SmartMoney Line to access the following:

  • Current account information including balances, recent activity, and transactions by date on your Shares, Drafts, Club, Certificates and Loan accounts.

  • Perform transactions such as account transfers, loan payments, and withdrawals.

  • Information on current dividend and loan rates, as well as special promotions.

  • Information on office hours.

  • Change your "access code."*

* When accessing your account for the first time, the default access code is the six-digit birthdate of the primary account holder. (For example, 010958 for January 9, 1958) You will be told that the code is no longer valid and will be asked to enter a new access code of your choice. This new number will become your permanent access code.

 
Convenience
  • 24 hour free drive-up ATM at our office.
  • Direct deposit of payroll, social security, pension, disability and dividend checks.
  • Electronic fund transfers.
  • Night depository.
More services
  • Safety Deposit Boxes.
  • Free notary service.
  • Low-cost money orders.
  • Low-cost travelers' checks.
  • Free car cost guides.
  • Discount tickets for amusement parks and family entertainment.