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ACCOUNTS  
After Account Info, Look Below For Important Information On:

• Fed Reg D Limits • Bonus Dividend Information • Share Draft Processing Info
• Overdraft Advance • Identity Theft • Club Accounts

SHARE SAVINGS
This is your Membership Account that you open when you join CPECU.
A minimum deposit of $5.00 is required to maintain membership in good standing at CPECU.
• No monthly fees • Minimal transaction fees
• $100 minimum balance to receive quarterly dividends
SHARE DRAFT CHECKING
The account is FREE* with net check Direct Deposit or by maintaining a minimum balance of $200 in the account or $500 in a Share Savings account or Share Certificate.
• ATM/Debit card • Your first order of checks is free  
• No monthly fees • No transaction fees  
• Unlimited check writing • Overdraft Advance up to $500 including $30 per draft  
* $5.00 Monthly Maintenance Fee if minimum account requirements are not met or account is dormant for two years.
SHARE TERM CERTIFICATES
• Earn above average market rates on deposits of $500 or more for a 6-Month to 5-Year term.
• Quarterly dividends from purchase date thru the end of term.
• Rates change weekly on Tuesdays. Please call 216-241-1088, ext. 201 for current rates.
CLUB ACCOUNTS  
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 CHRISTMAS CLUB  
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 Non-interest bearing account • No minimum balance required
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 Open enrollment all year round  
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 Deposit via payroll deduction (allotment), mail, and at the teller window
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 Funds accumulated between January 1st and October 31st subject to early withdrawal penalty of $25.00 per transaction
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 Funds accumulated through November 1st will be transferred from Christmas Club account to Share account “A”
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 Funds accumulated November 1st through last business day of December available without penalty
TRAVEL CLUB  
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 Non-interest bearing account • No minimum balance required
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 Open enrollment all year round  
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 Deposit via payroll deduction (allotment), mail, and at the teller window
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 Funds accumulated between August 1st and May 31st subject to early withdrawal penalty of $25.00 per transaction
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 Funds accumulated through May 31st will be transferred from Travel Club account to share account “A”
• Funds accumulated between June 1st and July 31st available for withdrawal without penalty
Please Be Aware Of Federal Regulation D Transaction Limits
Federal Regulation D states that for all Share Accounts, no more than six (6) preauthorized, automatic, telephone, or Internet transfers and/or withdrawals may be made from each account, to another account of yours, or to a third party in any month, and no more than three (3) of these six (6) may be made by official check or access card to a third party.
Please Note: These limitations only impact electronic transactions and do not affect in person transactions.
CPECU is now charging a $20.00 fee for each item over the monthly limit.
If these transaction limits present a problem, please open a CPECU Share Draft Checking Account where there are no limits on these transaction types. Thank you!
County Worker Wins VISA Gift Card Services Drawing

When Dave was thinking about financing a vehicle, he rejoined the Credit Union. "The rates here are very competitive, better than any bank I checked." Dave ended up financing his Harley Davidson by using a vehicle title as security. He's glad he came back to CPECU. "It's great here. Everyone's very helpful and the customer service is friendly and convenient."
Dave is a Deputy in the Sheriff's Office, and he won the monthly drawing for signing up for new services.
Congratulations, Dave!
For The 3rd Year CPECU Paid Bonus Dividends & Loan Rebates:
• A 3.00% Loan Interest Rebate was paid on member loans for 2009*
• A 14.00% bonus paid on members' savings dividends thru 3rd Quarter 2009**
While other financial institutions struggle to survive, we are able to provide these bonus dividends because:
• CPECU is financially secure, efficiently run, and fiscally responsible to serve you.
• We don’t pay out huge executive bonuses - our earnings go back to you.
• Our Board of Directors & Audit Committee are volunteers - members who serve without compensation or expensive perks.
Where else will you receive loan interest rebates & bonus dividends on savings?
Only CPECU!
Thank you for being a member & for your support.
We look forward to serving your financial needs for many years to come!
* Rebate applies to loan interest paid thru 4th quarter 2009 for accounts still open on 12-31-09. Members with delinquent loans will have their rebates applied to their loans. Interest on CPECU VISA Cards excluded.
** Bonus dividends apply to dividends paid thru 3rd quarter for accounts still open on 9-30-09. Bonus Share dividends apply to Regular Share Accounts and Share Certificates only.
Share Draft Processing Reminder
All Share Draft processing (paper items and drafts) will take place before 3:00PM on the same day that they are received. Please make sure that all deposits are in your account before your drafts are processed.
Overdraft Advance Now Up To $500 On CPECU Checking Accounts
A special program called "Overdraft Advance" for members ages 18 years and older with a personal share draft account open for at least 90 days is now active on your account.. Overdraft Advance provides a cushion that will permit you to overdraw your account up to a maximum of $500.00, including a $30.00 fee for each item presented. By paying your overdrafts in this way, you eliminate the potential embarrassment of having a share draft returned and the unnecessary third-party fees.
Be Careful! Identity Thieves Are Everywhere!
Identity theft occurs when someone uses your personal information, such as your name, Social Security number, credit card number, or other identifying information, without your permission to commit fraud or other crimes.
Identity theft is a serious and growing crime. People whose identities have been stolen may spend months or years and a lot of money cleaning up the mess, clearing their good names and credit records.
In addition, victims could lose job opportunities; be refused credit, education, or housing; and even be arrested for crimes they didn't commit.
Be careful online: Phishing is online identity theft. Do not release personal information online unless you positively know who you are giving it to. Also, CPECU will never call, write, or e-mail you for account verification.
If you think your identity has been stolen, here's what to do:
• Contact the fraud department of one of the three major credit bureaus to place a fraud alert on your credit file.
• Close the accounts that you know or believe have been tampered with or opened fraudulently.
• File a police report. Get a copy of the report to submit to your creditors and others who may require proof of the crime.
• File your complaint with the Federal Trade Commission (FTC):

• Visit www.consumer.gov/idtheft for info & a complaint form.
• Call 1-877-IDTHEFT & speak to a trained counselor.
In this world of easy information exchange, you must be protective of your information. Please take steps to prevent becoming a victim.