Wire transfers are a great way to send money quickly when the need arises. CESFCU sends and receives domestic wire transfers. Wire transfers are sent according to the wiring instructions provided by the sender.
Wire transfers are fast and efficient; however, the sending financial institution is usually unable to retract them once they are sent. Thus, members must ensure the wiring instructions they provide to the Credit Union are correct and should consider all wire transfers final.
- Wire transfers may be funded by cashier’s check, cash or money order, or from funds on deposit in CESFCU Regular Share Savings, Special Share Savings, or other Share Savings account where funds are not on hold or restricted (based on account type)
- Wire transfers conducted between financial institutions only
- Funds disbursed as directed by sender
- $15 fee to send a domestic wire transfer
- $10 fee to receive a wire transfer
Please complete the Wire Transfer Request and Agreement to complete an outgoing Wire Transfer.
Sending Wire Transfers
Members should always contact the receiving financial institution to request proper wiring instructions before initiating a wire transfer. Members who wish to have their wire transfer sent the same day they make the transfer request must submit the request on Credit Union business days before the daily cutoff time of 3:00 pm CST.
Receiving Wire Transfers
Members sending funds to CESFCU as a wire transfer, should follow the Incoming Wire Transfer Instructions.
Skip A Payment
CESFCU offers qualifying members the opportunity to skip loan payments up to two times a calendar year for qualifying loans.
Members can authorize CESFCU to extend their final loan payment by one or two months
annually. No payment will be required on your loan in the month(s) skipped; however,
you will be required to resume your regularly scheduled payment(s) the following month.
There is a $25.00 non-refundable processing fee per loan per month skipped. Interest
will continue to accrue on the loan(s) during the month(s) skipped. Loan payments
made through Payroll Deduction, Direct Deposit or ACH will be deposited into the Savings
Account for the month(s) skipped. If accounts/loans at the credit union are not in
good standing, this request is invalid. The first full contractual payment must be
applied to the loan before being considered for a skip payment. If the processing
fee is not included with the Skip A Pay application, the request will be denied, and
the regular payment(s) will be required (or applied in the case of an automatic payment).
A maximum of two skip
payments are available per loan each calendar year. CESFCU reserves the right to deny any request. Multiple skips may reduce potential GAP claim or credit insurance benefits. Contact your provider for details. VISA loans are excluded.
To skip the next CESFCU loan payment, complete, sign, and return the Skip A Pay form.
CESFCU members can take advantage of our GAP insurance coverage through GAPWise (Wise F&I). Did you know that if your vehicle is stolen or totaled in a major accident, your loss could add up to more than its value? Most insurance policies only protect the value of the vehicle at the time of the loss, which means you could receive less than the amount you owe. You can protect your investment with GAP. It covers the 'gap' between the vehicle's value and the amount you still owe. Why pay more at the dealership? CESFCU offers a very competitive rate usually less than what most dealerships.
Credit Insurance: Credit Life & Disability
MEMBER'S CHOICE© Credit Life and Credit Disability Insurance may make your loan payments
when you can’t. Life can be wonderful. But it can also get complicated when unexpected things happen.
Protecting your loan payments against unexpected disability and covered life events
could help protect more than your finances. It could help lighten the burden for the
people you care about. Insure your loan payments today so you can
worry a little less about tomorrow.
- Simple to apply
- Designed to fit your lifestyle
- Coverage that fits your loan
- Totally voluntary
- Won’t affect your loan approval
- Sign up for credit insurance at your loan closing, or anytime you like.
MEMBER'S CHOICE© Credit Life and Credit Disability Insurance is underwritten by CMFG Life Insurance Company.
Insurance designed for credit union members like you.
TruStage® insurance products and programs are designed for credit union members. You deserve competitive rates, helpful guidance, and simple, straightforward insurance brought to you by your credit union. We can help you get coverage that fits your needs and your budget. It’s all part of smart planning and protecting what matters most.
Call us and we’ll help you understand your options so you can choose the right coverage for you and your family.
Auto & Home 1.888.380.9287 Accidental Death & Dismemberment & Life 1.855.612.7909 Visit us at trustage.com
TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. Auto and home insurance are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Base policy no.’s 2018-ADD-POL E10a-014-2012. Product availability and features may vary by state.
A Notary Public is a state-licensed legal witness to the signing of documents. A Notary Public acknowledges the signing of a document with his or her own signature and notary seal. CESFCU offers notary services Monday through Friday.
Please contact us prior to coming into the branch so we can ensure that a notary will be available to assist you.
Helpful Information & Forms