From low-rate mortgages to minimal-and no-fee banking and credit counseling your CSEA membership can help you get your finances under control by saving you money. The following companies work with CSEA to offer you the best deals possible.
Lower banking costs
First Financial Federal Credit Union offers a number of free financial services, higher deposit yields and lower loan rates. As a CSEA member, you can take advantage of these, and many other member-only benefits. The credit union’s Web site offers online banking, location of branches, ATMs and service centers, current loan rates and more. Surf for current loan rates, link to Kelley Blue Book to find out the value of an automobile, or apply for a loan online. With more than 100 links to sites for the education community, this user-friendly site is extremely useful!
Provident Credit Union offers money market accounts, IRAs, no-fee checking, loans and much more. Their Web site allows you to apply for loans, get current loan rates, manage your accounts and obtain information on ATM, service center and branch locations. You can also transfer money to and from your accounts, order checks and pay bills online. Discover the many financial benefits available to you.
CalPERS Member Home Loan Program
How would you like to purchase or refinance the home of your dreams while at the same time investing in your own retirement system?
As a CSEA member and a member of the California Public Employees Retirement System (CalPERS), you can do just that! There are no minimum service or vesting requirements for the CalPERS Member Home Loan Program. Qualifying for a CalPERS mortgage is no different than qualifying for any other type of loan, but CalPERS offers you many advantages over other loan programs. Whether purchasing or refinancing a home, you’ll be doing business with a CalPERS-approved lender who is committed to giving you the service you deserve at a competitive interest rate.
Key program features include:
- Competitive Interest Rates for Conventional and FHA Mortgage Loans
- New 5/1 LIBOR Adjustable Rate Mortgage loan
- 30, 60 or 90-Day Interest Rate Locks
- Two FREE Interest Rate Float Down Opportunities with 60 and 90-Day Rate Lock
- Controlled Closing Costs
- 100 Percent Financing Options
- Down Payment and Closing Cost Assistance
- Reduced Escrow and Title Fees
For more information on the CalPERS Member Home Loan Program, please call (800) 874-7377 or request information by e-mail.
More financial programs
CSEA is proud to offer members an extended benefit and discount program through our charter with the AFL-CIO. CSEA members can take advantage of great savings through the AFL-CIO’s Union Plus programs. Each benefit has been tailored to work with CSEA’s Member Benefits program and to offer working families the maximum savings.
Get a loan
The Union Plus loan program, offered through Household Bank, invites union members to apply for a personal loan, extended line of credit, or a home equity loan. Take advantage of competitive interest rates and special assistance during strikes and layoffs.
Learn your credit score
When you apply for a loan, such as for a home or auto purchase, the lender delves into your credit history. Now you can see what the lender will see, including a “credit score” that represents your creditworthiness, otherwise known as a FICO score. Get a 15 percent Union Plus discount at myFICO.com. You’ll get your FICO score, and see ways to improve your score to get better financing terms from lenders. Use FICO Saver for Homebuyers, and you’ll also receive a detailed property report for the home you’re considering.
Even if you’re not in the market for a loan, experts recommend checking your credit score annually for accuracy. Get your credit score, and then use myFICO’s Web tools to analyze your personal credit information and to determine how paying off a credit card or opening a new credit account would affect your credit score.
Get the CSEA Credit Card
Union Privilege and Household Credit Services have created the Union Plus® CSEA Credit Card exclusively for CSEA members.
Carry the Credit card that works as hard as you do
Here is just a sampling of the card's consumer-friendly features:
- Competitive interest rate
- No annual fee
- Money-saving balance transfer offers
- Scholarship program
- No liability for lost or stolen cards
- Free additional cards
CSEA members click here for more information and an online application.
Lower your debt
Struggling with money concerns? Thanks to the new Union Plus Credit Counseling Program, union members can find peace of mind for your financial worries. The program helps cash-strapped members become debt free, learn new money management skills and save for the future—all from a source you can trust.
How much do you need to save for education or retirement? Use the easy loan payment calculators and financial questionnaires on the Web site to help get your finances on track.
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