+ Addition to Building
The Credit Union’s new addition is complete! We are now moving into the new offices and using the new storage space. Please ask for a tour of the new space or feel free to walk through and see where everyone will now be located. We plan to update the lobby and teller areas to create a more private environment for your daily transactions.
We added 1900 square feet to the North side of our building. This expansion was needed for many reasons. Our membership has grown to 2,700 members. We would like to offer more privacy for our members during all business transactions. The addition will provide more space at the teller windows, more privacy when opening a new account and a quiet environment during your loan process. Our membership is not all that has grown. Our staff has more than doubled since the existing building was built in 1995. To provide a safe and efficient work space for our staff we need to update our building. The addition will also include a remodel of the current space. It will provide us with a total of 7 offices, larger teller windows, efficient storage space, and an updated lobby area. Again we welcome you to come in and view the project.
A big THANK YOU goes out to all of our members for their support and patience during this time of expansion! Thank you for choosing the Cook Area Credit Union to take care of your financial needs. Please do not hesitate to contact us with any questions. We can be reached at 218-666-5940 or 218-666-9820 or by email at cookcu@accessmn.com.
+ Long Term Fixed Rate Mortgages
The Cook Area Credit Union now works with Consumer Loan Services (CLS) to offer fixed rate mortgages. Cook Area Credit Union with CLS now offers fixed 10 year, 15 year, 20 year, and 30 year mortgages. If you choose to finance your home with this option we will service the loan. We can view your loan and answer any questions on your loan at anytime.
CLS also gives us the opportunity to offer;
Second Home Loans, Land Loans, Adjustable-rate loans for 1, 3, or 5 years. We can also originate Rural Development Loans, VA Loans and FHA Loans. Please contact us if you would like more information on any of the above products at 218-666-9820 or cookcu@accessmn.com.
+ The Edge Resort and Waterpark
The Edge Resort and Waterpark in Duluth has a program they have extended to the members of the Cook Area Credit Union. The Recreation Program they have offered will allow our members to receive discounted rates on stays at the Edge Resort and Waterpark. To receive a discount all you have to do when making your reservation is say you are a member of the Cook Area Credit Union. We recommend you bring some proof of membership. Listed below are the discounts available:
- 50% off Sunday-Thursday from September-June
- 25% off July, August, Holidays and School Breaks
- 25% off Friday or Saturday YEAR ROUND
+ Discontinue of Paper Savings Bonds
Beginning January 1, 2012 the US Treasury will no longer be sending paper savings bonds. Bonds will no longer be sold at the Cook Area Credit Union or any other financial institution. After December 31, 2011 you will electronically purchase savings bonds at www.treasurydirect.gov. You will now open an account at Treasury Direct and it will hold the bond funds there. If the bonds you purchase are a gift you open an account for that minor. Here is a link that shows a video on how to open an account
http://www.treasurydirect.gov/indiv/tools/tools_video.htm. You will want to select the Open a Treasury Direct Account video. The Credit Union will assist members with this change. Please note that an appointment may be necessary.
+ Look out for Scams
Please be aware that people are out there trying to make the "easy buck" and steal your account information or even your identity. Protect your account information and personal information! Verify the legitimacy of anyone contacting you. The Cook Area Credit Union will never send you an email or call you requesting you verify your account number or social security number.
Other circumstances that you should be aware of:
- If you ever receive an email saying you won the lottery or someone in a foreign country needs your help please be on high alert.
- If anyone sends you a cashier's check and asks you to send a portion of the funds back this is a RED FLAG that it is a scam.
- If you receive a phone call from your credit card company needing to verify your card number do not give it to them. If you have an account with VISA, Mastercard, Discover or another credit card company they will not need to verify your card number as it should already be in their system!
- If an email sends you to a website double check the URL address to be sure it reads correctly.
- If you are requested to reply to an email double check the return email address to be sure it is correct.
- If you are ever uncomfortable request to call them back. Use the number on your bill to call them back. If you cannot locate your bill go to their website and find a contact number there.
- If you feel you need further assistance feel free to call us. We do not want your account to be jeopardized in anyway and would be glad to help you. We will do what we can to keep you posted on current scams! We can be reached at 218-666-5940 or cookcu@accessmn.com.
+ Understanding your Credit Score
+ Make the Move
Are you tired of having fee after fee after fee from you bank? Then maybe its time to make the move to the Cook Area Credit Union. We have a kit to make the move as simple as possible for you. Our Member Service Representative will even assist in the process. We will help you move an automatic withdrawals to the new account, and direct deposits can be moved, we will even help you close your account at your current financial institution. Come in today and ask about Moving your account.
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