Cleveland Postal Employee Credit Union

	Visit One Of the Participating Dealers & Receive A $20.00 Gas Card! No purchase necessary. Purchase A Vehicle From One Of Them & Receive A $100.00 VISA Gift Card!
Click here for a list of dealers, your gas card coupon to present to the dealer, & complete promotion details.
Plus - finance at CPECU for as low as 5.32% APR!* Hurry - offer ends on August 31, 2009!

CPECU Is Your Vehicle Headquarters - Always Finance With Us!

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Good Deals - Dealers need to move vehicles and good deals are out there.

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Lower Rates - CPECU just lowered it's vehicle loan rates, effective June 1, 2009.

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Get A Rate Discount - Plus, receive up to .75% off your qualifying rate by using CPECU Services. See details below.

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$500 Gas Card Drawing - Finance with CPECU and receive a chance in our monthly $500 Gas Card Drawing.

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CPECU Financing At Local Dealers - Apply for CPECU financing at local new vehicle dealers. Click here for locations.

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Get Preapproved - Apply online, by phone, or in person before you go shopping.

New Vehicle Loans
as low as 5.32% APR*
for 60 Months

Used Vehicle Loans
as low as 5.95% APR*
for 60 Months

Always contact CPECU first before you finance your new or used vehicle elsewhere.
See more vehicle news below.
* Subject to credit approval and based on each member's individual credit quality. Rates reflect .75% Service Usage Discounts.
Smart Loans are excluded from Service Usage Discounts. No other discounts apply.
Rates in effect as of 6-1-09 and are subject to change. Check website for current rates.
APR = Annual Percentage Rate

Don't Forget - Most MoneyPass ATMs Are Now Surcharge Free!

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Since May 1, CPECU members can now make surcharge-free withdrawals at most MoneyPass ATMs.
MoneyPass is a national ATM network that includes US Bank Branch locations, Credit Unions, and other bank ATMs.
Please Note: Some free-standing US Bank ATMs are not surcharge free. ALL US Bank ATMs at US Bank Branch locations should be surcharge free. Click here for a list of local, surcharge free MoneyPass ATMs.
For a complete list of surcharge free MoneyPass ATMs nationwide, click here.
In addition, you can still use other credit union ATMs in the Alliance One national network.
Click here a complete list of Alliance One ATMs nationwide.
Since May 1, CPECU members now receive 15 FREE ATM withdrawals monthly.
KeyBank ended its program offering our members surcharge-free access to their ATMs on April 30, 2009. If you continue to use KeyBank ATMs, KeyBank will now charge you at least $3.00 per transaction.

Always Choose CPECU Services!
We can save you
a lot of money!

Check Out Enterprise Car Sales July Promotion: $500 Over Blue Book Value on your Trade-In & $250 on your 1st Payment or in your CPECU Account! Click here for details.

Purchase A New GM or Chrysler Vehicle: Receive a Big Discount at the Dealer and a Low Rate from CPECU. Receive Supplier Pricing on most models from GM and up to $1,000 off most Chrysler products. Save money. Drive a new vehicle. Take pride in and invest in America. For complete details, visit lovemycreditunion.org

Visit CPECU's Auto Center - Click here
• New vehicle invoice values & MSRPs • Search for used vehicles
• Your current vehicle's value • Sell your vehicle online
• Calculate payments • Apply for CPECU Financing • Much more

Gas Card Drawings Extended Thru
September '09!
$16,500 In Gas Cards Awarded - So Far!
All members financing CPECU Auto Loans will be entered
in that month's $500 gas card drawing.

County Employee Wins June's
$500 Gas Card

When Michael went shopping for a Dodge Ram Truck online, he knew he was going to finance at CPECU. "The credit union has the best rate, a good program, and the payments come right out of my check. I don't have to worry about it - it's just work & ride! I'm a truck kind of guy. It's fancy enough to go out on a date or get rugged - pull the boat to go fishing or do some work."
Michael uses CPECU for all his financial services. He is a Detention Officer for the County's Juvenile Detention Center.

Santa & Michael by his Dodge Ram
Congratulations, Michael on winning June's $500 Gas Card.

Apply For A Low Rate Signature Loan
*Borrow* the funds you need & also qualify for a monthly Promotional Drawing. 24 months for as low as 9.25% APR*
Monthly Signature Loan Drawing for $100 VISA Gift Card Thru September 2009, all members borrowing at least $1,000 will be entered in a monthly drawing for a $100 VISA Gift Card.
* Subject to credit approval and based on each member's individual credit quality. Rates reflect .75% Service Usage Discounts. No other discounts apply. Rates in effect as of 6-1-09 and are subject to change. Call or check website for current rates. APR = Annual Percentage Rate

Choose CPECU Services In '09
For All Of Your Financial Needs!

New Convenience Services Promotion - Monthly $50 VISA Gift Card Drawing
To qualify for the drawing, sign up for the following CPECU services:
•	Net Check Direct Deposit - Funds are in your account on payday.
•	Share Draft Checking - Free with Net check Direct Deposit & Overdraft Advance of $400, which includes a $30 fee per overdraft.
•	MasterCard's ATM/Debit Card - Use it as: - A Debit card anywhere MasterCard is accepted with No Limit on Free transactions. - An ATM Card at most MoneyPass KeyBank ATMs with No Surcharges. - As an ATM Card at Alliance One Credit Union ATM's nationwide. - CPECU provides 15 Free ATM Transactions per month.
•	CPECU's Online Services
Contact us for complete details. There's never been a better time to kiss your bank good-bye! Come on over to your Credit Union!

Are You Having Credit Problems?
Click on the logo below to begin exploring ways
to improve your credit standing.

Attend Credit College ‘09
	Credit College is for everyone & all ages. Become an expert on your credit. Attend our Credit College class.
•	A nationally recognized credit expert will teach you about your credit and how to protect and improve it.
•	Learn secrets of budgeting and how to qualify for lower loan rates.
	Our next class is on Wednesday, August 19th. Make your reservation today! Limited seating! All seminars are at 4:00PM at Main Office. Call to reserve your place now: 216-241-1088, Ext. 201

What's New At CPECU

•	Returned Mail Fee: A $5.00 monthly fee will be charged on accounts when mail is returned to CPECU because we do not have a correct address.
•	Travelers Checks have been discontinued.
•	VISA Information: For current information on your VISA Card balance, go to www.ezcardinfo.com.

Use CPECU ATMs -
Central Services Building
1642 Lakeside Avenue - near vending in the warehouse - No public access
Virgil Brown Building
1641 Payne Avenue - 5th Floor Cafeteria - No public access
County Administration Building
Ontario and Lakeside - Lakeside entrance, near Security
Jane Edna Hunter Bldg.
3955 Euclid Avenue - Euclid Avenue entrance, near Security
Coming: Watch for future CPECU ATM locations.

Important Notices:
Share Draft Checking Members:
Overdraft Advance is now in effect on your account for up to $400, including a $30 fee for each overdraft incident.
As of January 1, 2008, CPECU started charging for overdrafts caused by ATM withdrawals.
Please make sure funds are available before you write drafts, make ATM withdrawals, or use your debit card.
Share Draft Processing Notice
Click here for details.
Important Reg D Notice:
CPECU is now enforcing Federal Regulation D monthly withdrawal limits on all Share Accounts.
Click here for details

Equal Opportunity Lender

USA Patriot Act requires Identity Verification for all new accounts.

Don't Forget Our
New Member Special

CPECU will put the first $5.00 into a new member's account if the member agrees to deposit a portion of their paychecks through Direct Deposit or Payroll Deductions.
Tell your co-workers what a great Credit Union we have. Encourage them to join us!

Loan rate update -
June 1, 2009

Click here to see new rates.
There are some great rates available
for qualified borrowers!
Click Here to apply for a loan.

Access Your CPECU Accounts Online!

Click here to sign up
for Home Financial Services.

County Employee Wins $50 VISA Gift Card Drawing For Using Our Convenience Services

Yolanda with Ms. Beasley

When Ms. Beasley started working at the Cuyahoga County Information Services Center as a Web Developer, her coworkers recommended that she join CPECU. When she came to sign up, Yolanda took care of her. "Yolanda was very easy to work with. She's nice and knowledgeable. I'm very happy. The Credit Union is easy to work with and to get things done. I like that my YMCA dues can be Direct Deposited. I'm glad I joined. It worked out great."
Ms. Beasley won our monthly $50 VISA Gift Card Drawing for signing up for our Convenience Services. Congratulations, Ms. Beasley!

Qualify for our monthly drawing by signing up for Direct Deposit, Share Draft Checking, ATM/Debit Card, & HFS Online Services. CPECU has the best service package available!

New Home Equity Promotion - $500 Home Improvement Gift Card Drawing

Qualify for the quarterly drawing by taking an advance of at least a $5,000 on a CPECU Home Equity Loan or Equity Line of Credit.

Rates Are Low!

When you want to use your equity to
secure your loan, we're here to help!
Now is a great time to borrow!
Click here to check current rates.

There are so many things you could
do with the money!
Choose a
Fixed Rate Home
Equity Loan or a
Variable Rate Home
Equity Line Of Credit.
You decide on which loan & how
you'll use the funds.

Call us- let's talk about how
CPECU can help you.

Choose Payment Protection On Your CPECU Loan
Click here for details. Read how
GAP Insurance saved one of our
members a lot of money.

Holiday Closing Schedule
Friday, July 3, 2009
Independence Day

County Employee Wins April's $100 VISA Gift Card

Mr. Galloway and Santa

Mr. Galloway has been a CPECU member since 2000 and loves the credit union. "With past experience, banks are not as professional as the credit union. I tell people I work with to come down here. I got a car loan from Rick. Same day. No problem. With Direct Deposit the payments come right out of my check. It's a breeze. For my Personal Loan, I dealt with Santa. I came in, provided information and got the loan the same day. People here are very friendly. I'm a happy customer. Once I had a little problem with my account. The teller fixed it. That's customer service!" Mr.Galloway works in Protective Services at the Virgil E. Brown Building. He won the April $100 VISA Gift Card Drawing for Personal Loans. Congratulations!

At CPECU, we pride ourselves on how we take care of our members. Please allow us to help you with all of your financial needs!

Use CPECU Services & Lower Your Rate On An Auto or Signature Loan
Receive up to .75% off your qualifying rate by using these CPECU Services:
.25% off	for repaying through ACH/Payroll Deduction
.25% off	for having a CPECU Share Draft account with direct deposit of Net Check
.25% off	for having a CPECU ATM/Master Money Debit Card
.25% off	for having a CPECU Visa
.25% off	for purchasing a fuel-efficient vehicle (30+ MPG)

Become A Credit Union Volunteer

Click here for complete details.

Pay Your Monthly YMCA Dues From
Your CPECU Account.
Click here to visit our Services page
for complete details.

Identity Theft Alert:
Beware Of E-Mail & Text Message Scams
To Steal Your Identity

If you ever receive an e-mail or text message telling you that your CPECU online services or other account services have been suspended, please do not respond. The message did not come from us. This is one way that identity thieves are gathering information. If you ever receive a message like this, please contact us at 216-241-1088.

FYI: CPECU will never e-mail or text message you concerning your Credit Union accounts
or personal information.

Please be careful with your personal information. If you have any doubts about any correspondence from CPECU, please contact us.

New - Click here for
Identity Theft Information.

Travelers: Important ATM/Debit Card Announcement:

For your protection against ID theft and unauthorized use, your ATM/Debit Card can only be used in the USA and Canada.
If you're going on a trip and want to use your card in other countries, we can arrange card access in those countries, but you must contact us at least 3 business days prior to leaving.
Please call Anita at 216-241-1088, ext. 211.

Your Credit Union is
Safe, Sound, & Secure

With all the uncertainty in the marketplace, please be assured that your deposits are safe at CPECU and that CPECU is safe, sound,
and secure.
1. Each account is insured to $250,000.00.
2. We have excess insurance to cover any deposits over that limit.
3. Our lending practices have strict guidelines to ensure repayment.
4. We have never been involved in sub-prime mortgage lending.
5. We are examined regularly by the State of Ohio, our insurer ASI, and our Audit Committee composed of members like you.
6. In addition, we also hire an auditing firm to provide us with quarterly reviews and a certified annual audit.
7. We are well-capitalized to ensure continued operation.
8. We have been operating successfully for over 76 years.
We look forward to serving your financial needs for many years to come.