Savings Options

Catholic Parishes offers a variety of savings options for members to choose from. You may personalize your financial portfolio by choosing the savings plan that’s right for your financial needs. All of our accounts offer the convenience of direct deposit from your paycheck. In addition, each member age 18 - 69 is offered $1,000.00 complimentary AD&D insurance. Best of all, our savings accounts earn competitive dividends and rates that are set each quarter by the Board of Directors.

• Share Savings
• Share Certificates
• Individual Retirement Account’s (IRA’s)

Click here to read important information regarding withdrawals from your savings account.

Christmas Club Account

A separate savings account to put funds away towards next years Christmas. Whether you deposit monies directly into the account or use the convenience of direct deposit, this account will help you save for Christmas’s to come. There in no minimum balance required and you can have the balance transferred into your savings or checking account. The payout of funds is done early in November every year, which will allow you plenty of time to complete your holiday shopping.

Vacation Club Account

A separate savings for that special trip or vacation. Whether you’re saving for next years trip or the "once in a lifetime" trip years from now, the Vacation Club account can help you realize those dreams. There’s no minimum balance required and you can access those funds anytime.

Totally Free Checking

ATM and Debit Cards

Your ATM and Debit Card both work as an Automated Teller Machine (ATM) card that can be used world wide 24 hours a day seven days a week. The Debit Card carries the Master Card logo that can be used with any merchant that that accepts Master Card and purchases will be deducted from your Checking account the same as if you had written a paper check. Using a Debit Card is fast, easy and safer than writing a check. Just swipe your card and sign!

The ATM and Debit Cards work in machines displaying the following networks.

Family Service Centers

Catholic Parishes is a member of the CO-OP Network and Service Centers Corporation that offers convenient service center branches and ATMs. For a complete list of branches please visit the following web site www.scc-sc24.org.

Overdraft Protection

Protect your Share Draft/Checking Account from being overdrawn with Overdraft Protection. Funds can be transferred to your Share Draft/Checking Account in three ways:

1. Automatic transfer
2. Calling the audio teller
3. Calling the credit union office
4. Simply print the loan application included in this website. Complete the application, sign and fax (734-432-5018) it back to the credit union. In the loan purpose box fill in "Overdraft Protection" Be sure to fax along income verification (pay check stubs, W-2's, etc.).

Audio Response Teller

With a touch tone phone, you can access your Catholic Parishes Federal Credit Union accounts anytime 24 hours a day 365 days a year and there’s no charge. The initial password is the last four numbers of the primary members Social Security Number. Listed below are the options available to you:

1. Make transfers between Shares, Share Draft/Checking and Loans
2. Verify Balances
3. Verify check clearings
4. Verify Electronic transactions
5. Verify loan payments made
6. Change your PIN number (Personal Identification Number)
7. Audio Tellers Phone Numbers - 734-432-2605 or 800-660-6121

Low Interest Loans

View our Rates | Apply for a Loan

Come to Catholic Parishes Federal Credit Union whenever you’re looking for a great rate on a loan. With our competitive, low interest rates and our fast convenient and confidential service, you’ll be glad you borrowed from us. Get pre-approved for your loan BEFORE you go shopping; whether you are looking to purchase a vehicle, have some home improvements done, a dream vacation, we can help!

• New and Used cars, trucks, motorcycles, antique and custom vehicles, boats, campers, motor-homes, jet ski’s, 4- wheelers, and snowmobiles
• Line of Credit
• Signature Loans
• Home Equity Loans (Fixed and Variable Line of Credit)
• Tuition Loans
• Federal Student Loans
• Please print the loan application included in this website and fax (734-432-5018) it back to the credit union. Please complete and sign to the best of your ability. Be sure to fax along income verification (pay check stubs, W-2's, etc.).

Receive a .50% Discount off Loan Rates With Relationship Pricing

Catholic Parishes is pleased to make your new loans even more affordable by offering relationship pricing. Simply ask us to set up automatic loan payments from your Catholic Parishes Totally Free Checking account and you will receive a rate discount of .50%. You may receive the discount for most of our loans. Loans that do not qualify for the discount are the following:

Home Equity
Mortgage
Overdraft Loans
VISA

Membership really has its privileges at Catholic Parishes. Stop in today and start saving.

Home Equity Loans

Start your process today! Stop by our office to pick up a Home Equity Application Kit. We offer two Home Equity Products for you to choose from:

*Home Equity Line of Credit

A Home Equity Line of Credit Loan provides you with flexibility and convenience. Once you have established your Home Equity Line of Credit, you can borrow what you need, when you need it by simply writing a check or requesting an advance. Your payment is only based on your current balance. Use this loan as a smart tool to finance all types of expenses:

• Ongoing home improvement projects
• Large purchases such as new appliances, a new car, boat or airplane
• Fund college or private school costs
• Pay off higher rate debt

RATES AS LOW AS PRIME MINUS .25%

• Click here for current rates. Rates are adjustable and are based on Prime, as published in the Wall Street Journal on the 1st day of each month
• Low payments - $5 per $1,000 borrowed with a minimum payment of $50
• Convenient access - just write a check
• No closing costs (unless you repay/pay off the loan within 12 months)
• Interest may be tax-deductible (consult a tax advisor for details)
• Maximum annual percentage rate allowed is 18%

*Available for borrowers with an 'A' credit score. Your individual rate is based on your credit history and the Prime Rate as published on the 1st business day of each month. Rates are subject to change on the 1st business day of each month without notice. Homeowners insurance and flood insurance, if needed are required.

Home Equity Term Loan

A Home Equity Term Loan has the budget minded borrower in mind. Borrow what you need all at once; and with fixed rates, terms and payments, your financing goals will be in plain site. You can use this loan for many purposes such as:

• Large purchases - new appliances, a new car, boat or airplane
• Fund college or private school costs
• Consolidate higher rate debt

RATES AS LOW AS 5.00% APR*

• Low, fixed rates (click here for current rates)
• Affordable payments - may be amortized over 30 years with a balloon payment or easy refinancing after the following terms: 5, 7 or 10 years
• No closing costs (unless you repay / pay off the loan within 12 months)

*APR = Annual Percentage Rate. Available for borrowers with an 'A' credit score and a five year term. Your individual rate is based on your credit history and the term of your loan. Rates are subject to change without notice. Homeowners insurance and flood insurance, if needed, are required.

Mortgage Services

We can offer you a wide variety of mortgage options from a One-Year Adjustable to a 30-Year Fixed. If you are interested in refinancing or paying off an existing land contract, we can help you. We can also provide a construction loan if you are building a new house. Call today for pre-qualification or pre-approval at: 1-888-562-6865, or you may apply on-line.

Coin Counter

Why pay up to 10% to have your saved coins counted? There's no need to go to the supermarket and pay, and there's no need to roll your coins either. At Catholic Parishes, our members get their coins counted for FREE ! Stop by and deposit a bunch of your saved coins today !

Miscellaneous Products & Services

• Money Orders
• Savings Bond Sales and Redemption
• Travelers Cheques
• Wire Transfers
• Direct Deposit
• Night Depository
• Postage Stamps
• Free Notary public Service
• AAA Group Auto and Homeowners Insurance
• Credit Life and Disability Insurance
• Accidental Death and Dismemberment Insurance
• Group life Insurance