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If you have unexpected expenses, emergencies and short-term financial needs, our Temporary Overdraft service may be able to help you. 


CCEC Members for at least 3 months may qualify for this short term relief. The Temporary Overdraft loan has helped cover the costs of vet bills, a family emergency and a shortfall before a payroll deposit.  As the loan is intended to be short term, it is to be repaid within 30 days. If you need a longer term, ask us about our Personal Loan service. 


To apply for the Temporary Overdraft loan, please complete the application formEmail the completed form , mail it or drop it off at the branch.  Atilio, our Personal Loans Officer, will be in touch with you.  


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We encourage our members to receive the Covid-19 vaccine. While we have all been trying to do our best, it is unfortunate that this past week we’ve seen a surge of more transmissible coronavirus variants. In response, the province announced a ‘circuit breaker’ timeout with new restrictions and a reminder to all of us to avoid indoor social interactions. There is also a rollout plan for the Covid-19 vaccine, and we feel it is a good idea to see our members being immunized.  

 

Up to date information on the Covid-19 vaccine can be found on the Immunize BC website.  While the main vaccination program is age-based, the province has responded to higher risk of transmission places so that teachers and front-line staff are also receiving the vaccine. In addition, some pharmacies in Fraser Health and Vancouver Coastal health have been able to offer the AstraZeneca COVISHIELD vaccine for people aged 55-65. 

 

We appreciate that it will still take time for all of us to be vaccinated. Online registration is open for eligible people living or working in BC. For more information, the Get Vaccinated website is available in 11 languages and you can follow Immunize BC multilingual posts on Facebook, Instagram and Twitter.   Keep up to date and be sure to share information with family and friends. 

 

The BCCDC (BC Centre for Disease Control) has launched BC COVID-19 SPEAK Round 2. We’re over a year into the pandemic and our public health officers are asking you to tell them how you are doing. Last year, almost 400,000 British Columbians took the time to participate in the survey called, BC COVID-19 SPEAK: Your story, our future and it provided valuable information about how British Columbians experienced the first wave of the pandemic.  

 

As we move into the next phase of the pandemic, we send a gentle reminder to all our members to please be safe, be calm and be kind - we’re all in this together.



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Are you planning to purchase a new property or renovate your existing one? Do you want to learn more about your borrowing options at CCEC? Call or email Derek, our Mortgage Loans Officer to learn more.  Derek recently joined our staff at the credit union and has been working with members to make sure the process is easy and as stress free as possible.

When it comes to something as important as taking out a mortgage, you want to make sure you are making the best decisions for your situation. Derek is here to walk you through the options and work with you to get pre-approved for a mortgage.

At CCEC, we provide first and second mortgages for purchase of a residential or recreational property. Moving your mortgage to CCEC may be easier than you think. If your friends and family need assistance with a mortgage, please have them get in touch with us. We have helped many new members because their "bank" couldn't help. Help your friend, the credit union, and our local community!

At CCEC, we keep your money working in your community.  

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Holidays are supposed to be a time of gathering together.  However, this year, we will be staying at home and limiting our social interactions. Some of us may find a socially distanced holiday to be stressful. It is important, especially during this unprecedented season, that we take care of ourselves and our mental health.


We know that social distancing can make us feel more lonely and isolated.  So, even if you can’t meet in person, it is important to connect with family and friends in any way you can. The following are also positive ways to manage your mental health and the holidays: 


  • Exercise - get outside, go for a walk; 

  • Have a hobby hour - reading, crafting, puzzles or drawing. Join a friend group online;

  • Practice relaxation - meditation, yoga, taking a hot bath or getting a massage;

  • Talk to someone -  talk about how you are feeling with someone you trust. Call a friend or family member who is in your regular social circle.

These are a few strategies that can help you take care of yourself during the holiday season and year round. 
On behalf of CCEC Credit Union, we wish all our members a safe holiday season. 

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Food insecurity is getting worse. Before COVID, one in eight Canadians struggled to put good food on the table. During the pandemic, it’s become one in seven—a 39 per cent increase. Food insecurity goes much deeper than hunger. It impacts our physical and mental health, social connection and community, employment and aspirations, family life and more.

Ian Marcuse is the Grandview Woodland Food Connections (GWFC) Coordinator and a long-time CCEC member. He works out of Britannia Community Centre.  He is a member of the Vancouver Neighbourhood Food Network (VNFN), a network of community organizations committed to promoting food security in neighbourhoods across the City of Vancouver.  This holiday season we are encouraging our members to support the work of the VNFN and the GWFC as they are providing emergency food for those who need extra support at this time. 

 

Read how Ian Marcuse and the GWFC has responded to the rising food insecurity in our neighbourhood: 

At the time of the initial COVID lockdown in mid-March, we deemed food access an essential service and within days mobilized the necessary resources needed for an effective response to COVID food insecurity in East Vancouver. This COVID Emergency Food Home Delivery Program ensures that food is provided in a dignified way including completely barrier free access, home delivery to ensure safety and health are a priority, and an emphasis on quality and highly nutritious foods. Our hampers are especially curated to support healthy outcomes for receiving households.

Since our programs started, we've delivered 6,250 food hampers. But we have also been able to increase our existing capacity in building a more resilient and responsive community food security program by establishing new relations with food suppliers, farmers, referring agencies, funders, volunteers, and new community members who we might never have connected with in the past.  More importantly, we have gained new insights and engaged in many conversations with peers, funders, policy makers and others about the systems that cause food insecurity and advocate for a more equitable food system in the long term. Interestingly, COVID has opened an important policy window to push for the change needed and the GWFC is lending a strong and informed voice to the change needed.

  • 520 Households in East Vancouver supported

  • 1,500 Individuals

  • 218,750 lbs of food distributed (average 30lb/box)

  • 120+ volunteers mobilized 

  • 3,600 volunteer hrs logged

While a temporary program for us, this response to COVID has been meaningful and important and continues to meet immediate food security needs at the community level by ensuring that the most vulnerable in our community have access to good food. However, as COVID numbers increase, demand for the program continues to grow especially for households with compromised health and facing financial hardship. We now have a waitlist.

Click here to donate to the Vancouver Neighbourhood Food Network. 
Contact Ian to get involved and to make a donation to the Emergency Food Program  gwfcnetwork@gmail.com or phone  604-718-5895
If you are experiencing food insecurity or know of someone who needs extra food support at this time, please contact your local Food Bank Community Partner.

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We are now accepting applications for the 2021 recognition and award. 


This award is given annually to member groups that are active in social justice and co-operative development activity.  The award consists of three elements:  recognition from our community, our commitment to promote the project further through CCEC, and a financial contribution from the Roger Inman Trust.  The project itself contributes to the economic development of the community.

If you are a CCEC Member Group, business or individual you may apply for this special recognition and cash award. The award honours the memory of Roger Inman who contributed lots of time and effort to the early years of CCEC. His contributions to the wellbeing of the credit union and community economic development are numerous.  

Roger Inman became a member when CCEC first opened in 1976 and shortly after began serving as a volunteer teller. He was also a member of the credit committee, and later joined the Board of Directors where he served as co-chair and spearheaded the newsletter. A warm lovable man, Roger always contributed his time, insights, and humour to the many community initiatives with which he was involved. He was also active in local politics where his keen mind and natural optimism were always appreciated. Through this award, we acknowledge his devotion to community economic development, his commitment to his ideals and his generosity in spirit.

CCEC is committed to keeping our money and resources working in our community by actively supporting and promoting the development of strong, successful community businesses, projects and organizations

Applications are available on our website. Learn more about the award and our 2020 Award Recipient, The People's Prom 

If you have any questions, please contact Joanne.


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It’s International Credit Union Day on Thursday, October 15.  It has been held on the 3rd Thursday in October for the past 72 years. Did you know there are  291 million credit union members worldwide?  As we reflect on the role CCEC has played in our community and in our members’ lives, let’s share our experiences and invite our friends and family to join CCEC. 


CCEC received its charter in 1976, 2 years after a group of people involved in daycare, consumer and housing co-operatives raised capital to support community economic development. They called their group the Community Congress for Economic Change Society.  Our mandate was to serve groups that have been excluded from the economic mainstream - because they don't fit a banker's idea of a good credit risk - for example, the arts groups, immigrant organizations, housing co-operatives, and similar organizations that continue to be core of our membership. Loans were available to meet our members needs, and for community enterprises and community action. The founding members of CCEC described the loan process as "group solutions to individual problems."  The local focus of the credit union saw the money reinvested within our community. 

Some things haven't changed at CCEC over the past 44 years.  We continue to be guided by the principles that are the foundation of CCEC. We also continue to ensure community input into the lending process by maintaining a credit committee elected from the membership. Also, many directors, credit committee members, and staff are active in community groups that make up our membership.

CCEC is a member-owned, community development organization that is powered by people, like you;  in service of people like you.   Let’s celebrate International Credit Union Day! 


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A Registered Retirement Income Fund (RRIF) provides a source of retirement income. It can be set up anytime and withdrawals must start one year after it is opened. CCEC is now offering this service to our members and we want you to better understand them. 


There are various retirement investment options and we can provide you with complimentary financial advice and guidance.  While you must convert your RRSPs to a RRIF by the end of the year you turn 71, you can transfer your existing RRSP into an RRIF at any time.  To open an account, we can help you transfer your RRIF from another financial institution. 


A RRIF, like an RRSP, is tax-sheltered for deposits. As you need to withdraw a minimum amount in the calendar year after it was first funded, those members who are thinking of taking an early retirement may want to talk with us about opening an account.


Investing at CCEC means that you keep money working in the community to benefit you, your neighbours and local businesses.  CCEC has always been highly localized in how we invest your money since we opened in 1976. Our values have not changed. 


We are pleased to offer our members the option to invest in an RRIF. 


Call us to learn more. 


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CCEC Member grunt gallery facilitates artistic creation, exhibition and community engagement. They are working to continue generating and sharing these things despite our physical separation from one another. This will be a process, developed between artists, arts workers, and our communities. Scroll down to see what the are doing now to provide Digital Community Engagement.  Visit their website. 


CCEC has various artists, art groups and musicians as members who are working to continue their programming through digital engagement. Tell us what you are doing so we can share this with our members.  Let us know what you are doing to stay connected. 

 

At Grunt Gallery: 

Be safe.  Let's stay connected just in different ways. ​

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Camp registration is Open!  A CCEC tradition is to see the “Camp YES Thermometer” go up in the branch. The “Thermometer” tracks the funds donated by our member-owners to pay the camp registration fee for our youth. Each year, through the generosity of our members, we have sent up to 10 youth to the YES Camp and a few to the Reunion. 

Meet CCEC Members, Helen Spaxman and her teen, Claire. Claire has been to camp and to the Reunion. Helen’s family started donating to the Camp YES Fund for many years even before having kids. She says they donated because they hoped that their children and the youth of our community would be able to go to this camp.

Claire Says, “Thank You” 

“At the YES Camp, we do “reflections” at the end of the day, where we reflect on how our day went and then answer questions, which are sometimes light and funny, but sometimes very personal and heavy. 

When I truly opened up in reflections, I benefited by getting things out of my head that I wouldn’t normally talk about with people at home. Before camp, I felt like I couldn’t talk to my friends about certain things, maybe I didn’t want to burden my friends with my thoughts. I was also afraid it’d start rumours and more people would know about it than I originally intended. 

I have learned that YES Camp is a safe space, I can talk about anything there and get so much support from the staff and my fellow campers. Funnily enough, many of these “fellow campers” have become very close friends. Now that I’ve been to camp a few times, I’m not just a good communicator and listener at the camp, but I’m also applying these skills to my friend group at home. 

Since I’ve started opening up to friends at school, I’ve noticed so many more people sharing things with me that they never thought they’d share. My friends now feel the same comfort in talking about their feelings that I used to only feel at camp and they’re not afraid to ask me for help when they need it. I’m so so grateful to have been able to  attend YES summer camps and fall camp reunions. I’ve grown so much as a person and as a friend and I’m so ready to grow even more. Honestly, without the YES Camp, some of my closest friendships wouldn’t even exist.”

“Camp YES is a Game Changer!” says Helen Spaxman

For more information, visit the Camp YES website. To make a donation to our Camp YES Fund, call us or visit the branch. Youth interested in being sponsored to attend Camp are asked to complete an application form that will be available on our website.
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