Personal, Loans, Access, and Investing, Policies, Disclosures

PERSONAL


 

CUDL


WHAT IS CREDIT UNION DIRECT LENDING (CUDL)?
If you are buying a new car from a local Portland area auto dealer, there is no simpler way to finance your vehicle than through Credit Union Direct Lending (CUDL). CUDL allows CCCU members to apply for an auto loan and receive our best rate without leaving the dealership. Simply tell the financing person at the dealership that you are a CCCU member and you’d like to finance your auto loan with your credit union. This usually takes just a few minutes and you can do all the paperwork right at the dealership! Search the list of local CUDL dealers.

If the dealership you chose doesn’t offer CUDL, not a problem. Apply at a CCCU branch in person or by calling 503.232.8070. Or, apply 24/7 via our online application.

By visiting the CUDL website you will have access to many additional resources:

 
  • Complete list of participating dealerships
  • Search for new and used vehicles
  • Vehicle Comparisons
  • Trade-in values
  • Vehicle History Check


GAP PLUS


MEMBER’S CHOICE® Guaranteed Asset Protection (GAP)
MEMBER’S CHOICE Guaranteed Asset Protection Plus helps ease your financial burden by paying the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle. It also includes $1,000 toward your down payment on a replacement vehicle when financed by your credit union within 60 days after your primary insurance company issues a settlement check.

What you’ll also get:

  • 90-day free look - you may cancel your protection within 90 days of your enrollment date and receive a full refund and no cancellation fee.
  • Skipped payments - protection includes skip-a-payment or delinquent-payment features for the life of the financial agreement.
  • Available on loans - protects new and used vehicles
  • Trade-in values
  • Primary vehicle insurance deductible - pays up to $1,000 of your vehicle insurance deductible.


LOAN PROTECTION


Whether you’re taking out a loan for home improvements or to buy a vehicle, it can be a financial gamble because things happen...life happens. You don’t want delinquent payments and defaulted loans to cause you to lose your assets, negatively impact your credit rating, or cause financial distress for your family.

PLAY IT SAFE
Loan protection is a voluntary loan payment product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you.

Protected Events Include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

If you would like more information about loan protection please contact a CCCU Loan Officer.



CREDIT REPORTS


FREE ANNUAL CREDIT REPORT
Thanks to the Fair Accurate Credit Transaction Act, all Americans have the right to obtain one FREE credit report annually. It is important to take advantage of this opportunity. Negative information on your credit report will lower your credit score, which in turn increases your interest rate on future borrowings, or even results in credit denial. Once you are eligible, you can get your free credit report by going to www.annualcreditreport.com. After you receive your credit report, look it over closely. If anything appears on the report that is not yours, contact each of the three credit reporting agencies immediately.

IDENTITY THEFT
Identity theft is the fastest growing crime in the U.S., and understandably, everyone wants to stabilize and protect their finances and credit. If you want to view your credit or set up a "fraud detector" on your credit report, you have the tools available through the credit reporting agencies below. Please contact these credit reporting agencies immediately if you believe you have become a victim of identity theft.

 

EQUIFAX
www.equifax.com
Order a credit report: 800.685.1111
Report fraud: call 800.525.6285
or write to: P.O. Box 740241, Atlanta, GA 30374-0241

EXPERIAN
www.experian.com
Order a credit report: 888.397.3742
Report fraud: 888.397.3742
or write to: P.O. Box 9532, Allen, TX 75013

TRANSUNION
www.tuc.com
Order a credit report: 800.916.8800
Report fraud: 800.680.7289
or write: P.O. Box 6790, Fullerton, CA 92834

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