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Two like-minded credit unions are teaming up to better serve their  members, employees and communities. CCEC and CSCU are formalizing plans to join together, after the proposed merger received overwhelming support from CCEC membership at the SGM held on August 16th, 2022. Click here to read the press release.  For more information visit our website.  Marty Frost, CCEC Board Co-Chair says,  “Our strong history of serving community activists, local co-ops and not-for-profits will continue with Community Savings, and together as a combined credit union we will continue to provide financial services where mainstream banks fall short.”  The merger is set to take effect on October 1st, 2022.

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The Superintendent of Financial Institutions provided consent to the proposed Asset Transfer Agreement (ATA) between Community Savings Credit Union and CCEC Credit Union.

The CCEC Board of Directors is asking for members’ approval of the merger by way of a vote on the special resolution at the SGM:

                  Date: August 16th, 2022
                  Time: 7:00pm - 8:30pm
                  Via the Zoom platform

Members please RSVP by sending an email to Joanne at jmackinnon@ccec.bc.ca, or phone 604.254.4100 ext 227 to receive the link to the SGM. Information on the merger is available in this newsletter, in the branch and on our website at www.ccec.bc.ca.

Click here for more information and to read our newsletter. 

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Are you expecting a tax refund for this tax year? If so, what do you plan to do with the funds? While it is very tempting to spend the funds on a holiday, an e-bike or the latest phone, you may wish to consider other options.


The first priority should be to reduce or pay off your debt. Carrying credit card balances, for example, is paying unnecessary high monthly interest charges. Give us a call and ask about a loan to pay off or consolidate your debt.

Reinvesting some of the refund to your retirement savings is a great option. Contributing now to your RRSP is giving you a jump start on a potential tax refund next year. When you reinvest your refund, you start earning interest on your RRSP contribution right away versus only earning interest when you make a tax time contribution. Also consider paying yourself first by contributing monthly, of even a small amount, to your RRSP.  


Make your money work for you. At CCEC, we can help. Investing your tax refund in an RRSP at CCEC is also an investment in your neighbours and local businesses. We have kept our members' money working in the community since we opened in 1976. 


Give us a call first for your lending, borrowing and investment needs.


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If you wish to borrow money for shares in a co-op, to buy a new car or spiffy high-tech new bike, to consolidate your debts, contribute to an RRSP, to take a vacation - or for some other purpose - CCEC would like to help. For a personal loan, try us first. Click here to download our Personal Loan Application Form 
 
At CCEC, we provide first and second mortgages for purchase of a residence, recreational property, renovation or refinancing your business or organizations’ needs. Moving your mortgage to CCEC may be easier than you think.  If your friends and family need assistance with a mortgage, please refer to our branch. Help your friends, the credit union, and our local community!
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Alerts can help you stay informed. Choose from a variety of alerts that you can personalize to meet your needs. You can receive alerts by email and SMS any time, anywhere. If you have not yet subscribed to alerts follow these few simple steps:

Select where you'd like to receive them - by email or cellphone under "Manage Alert Subscriptions. Select a type of alert from the list. A few more common alerts are: 

  • Online log in
  • Personal Access Code changed
  • Insufficient funds
  • Balance low
  • Future/Recurring Transfer or Payment May Fail
  • Withdrawal Exceeding Limits such as a large ATM withdrawal

You can personalize the alerts you'd like to receive.  Please note we will not include your account number(s) in any alert messages we send to you. Accounts will be referenced by their type or the nicknames you give to them, which can be updated by going to the Extra's tab then Rename Account page.  You can also review the Alert History to see a history of all alerts that were generated. Learn more in our Online Banking FAQ’s

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CCEC Mobile Banking App is now available for download to your smart phones. More information is in the updated Online Banking FAQ's which includes a reference guide for services available in Online Banking and through the Mobile Banking App. 

 A new feature includes Remote Deposit Capture where you can deposit your cheque to your account anywhere using the App. Please note that all cheques deposited via the App will have an automatic 7 days hold. 

Online banking login reminder: In the Login Name field enter your Account Number; and in the Password field enter your Personal Access Code (PAC). 

Click here to log into Online  Banking. 

 
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CCEC Mobile Banking App is now available for download to your smart phones. Go to the App store, search for CCEC Mobile Banking, and follow the instructions to download as you do for other apps. A new feature includes Remote Deposit Capture where you can deposit your cheque to your account anywhere using the app. Please note that all cheques deposited via the app will have an automatic 7 days hold. Read our Mobile Banking FAQ's for more information. 
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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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On June 16th, 2021, CCEC introduced an enhanced online banking system. We added new features and increased login security.  While many features remain the same, we want our members to learn more about these new features in the Online Banking FAQ's.

 

  • Increased login security
  • Alerts
  • Mobile Banking App - coming soon
  • Mobile Cheque Deposit - coming soon.

If you have access to online banking you will notice changes on the login screen. There is a new link to iBank and you can use your current login and password to access your account. You will need to set up your security questions and image when you first log in to the new system and may be asked to change your password. If you are not currently using Online Banking, please give us a call and we will set it up for you. 

Increased Login Security: We take many precautions to protect the online banking environment and ensure your information is safe. For more information click on the Security tab once you have logged on.  There are three parts to our Online Banking security enhancements: a personal image, a personal phrase, and three challenge questions that only you know the answers to.

When you're signing in from a different computer, we'll ask you one of your challenge questions to verify your identity. When you answer correctly, your personal image and phrase will appear. You'll then know it's safe to continue; and we'll know that it's really you.

The image will be displayed every time you login. If you don't see the image you selected the next time you login, or a different image is shown, please close the browser and contact us right away, as you may not be accessing the legitimate CCEC CREDIT UNION Internet Banking site.

Interac e-Transfer: The fast, secure way to send and receive money. For more information, download the Interac e-Transfer FAQ's With the switch to iBank you may need to reset your Auto-Deposit. 

If you have any questions about iBank, please contact the branch.

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CCEC’s enhanced online banking iBank is coming on June 16th. There will be a new link to iBank on June 16th and you can use your current log in and password to access your account. You will need to set up your security questions and image when you first log in to the new system. We are asking our members to take the following precautions to ensure a seamless transfer: 

  • Schedule your e-Transfers in advance or after the go live date
  • Cancel all pending e-Transfers or contact recipients to complete the transfer. Pending transactions may not carry over to iBank
  • Cancel pending Requests for Money
  • Make a copy of your recipient list and their email addresses. 

We expect that the recipient list and all pending transactions will be carried over to iBank. However, we recommend that you make a copy of your recipient list and their email addresses in the unlikely event that the recipient list is not carried over. We look forward to providing our members with an improved online banking experience and will keep you updated as we move closer to our go-live date.

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