Capital Credit Union is uniquely poised in innovative financial services while holding on to a strong community focus. Here is how they are working to empower and enhance your future with solid commitment to local values.
1 Empowering Financial Services
a. Member-Centric Banking:
- Personal Accounts – From personal savings, checking to money market accounts; it is all provided, complete with competitive rates and low fees.
- Credit Cards:
- Credit cards with reward points, cashback, and low-interest rates for every kind of spending need.
b. Loan Services:
– Personal Loans:
– In-house personal loans that are provided and can cater to all kinds of needs, from debt consolidation to making that major purchase, both coming with competitive rates and terms.
– Auto Loans:
– Affordable auto financing in new and used cars with pre-approval, as well as competitive interest rates.
c. Mortgage Loans: Numerous mortgage plans, including fixed-rate and adjustable-rate mortgages, besides refinancing schemes that enable you to realize the dream of having your own home.
c. Investment and Retirement Planning:
- Retirement Accounts: IRAs, 401(k) rollovers, and other retirement saving mechanisms tailored for you to use in securing your life.
- Investment Services: Access to financial planning and investment advice facilitating ways of building your prosperity with mutual funds, stocks, and bonds.
2. Community-Oriented Approach
a. Local Involvement:
- Community Involvement: Through local events, sponsorships, and community-based charity work, promote and enhance the community.
- Business Financial Solutions: Products and services offered to local businesses include business loans and cash management services to ensure business growth and overall economic improvement for the community.
b. Personalized Service:
- Relationship Building: Cultivate personal relationships with each member to better understand individual needs so that appropriate financial advice can be given.
- Local Expertise: In-depth knowledge regarding the local community and its economic landscape make it easier to provide the most appropriate and effective financial solutions.
c. Educational Resources:
- Financial Literacy: Workshops, seminars, and online resources to increase the level of financial literacy among members so that they are better placed in making valid financial decisions.
- Youth Programs: Initiatives conducted to educate the youth about financial responsibility and literacy.
3. Innovative Tools and Technology
a. Digital Banking Solutions:
- Online and Mobile Banking: All the conveniences of an online portal – easy account maintenance and servicing, bill paying, and funds transferring – on demand and on your schedule.
- Mobile Deposit: Make deposits from anywhere when you download our mobile app—no need to come into an office.
b. State-of-the-Art Financial Tools:
- Budgeting and Tracking: All essential tools to maintain your budget, track expenses, and set your financial goals
- Secure Transactions: Latest security features to protect financial information and your transactions in full.
4. Improved Member Experience
a. Easy Access:
- Branch Network: State-of-the-art branch network with personal service and consultation for enhanced convenience, with extended hours of operation.
- 24/7 Support: Customer support by phone, email, or online chat to support account management and questions.
b. Member Feedback:
- Feedback Channels: A means through which members can give their input and views on services and experiences for improvement continuously.
- Responsive Service: Priority would be given to the quick solution of problems. The members’ feedback will also be taken into consideration while offering them the respective service.
5. Ecological and Social Responsibility Commitment
a. Green Initiatives:
- Sustainable Practices: The credit union is deeply committed to engaging in practices that lower the credit union’s impact on the environment, such as paperless transactions and energy-efficient operations.
- Community Projects: Sponsorship of local projects focused on the environment and sustainability so that the community can be healthy.
**b. Ethical Standards:
- Transparency: Highest level of honesty maintained in all operations and with interaction with members.
- Corporate Responsibility: Try to make a positive impact on society with responsible business practices and involvement in community.
Capital Credit Union makes use of innovation in financial solutions with great regard for community values, thus empowering members to realize their monetary aspirations and contribute back to the local community in a positive manner.
