Services

• 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
• Fees
  • $15 fee to send a domestic wire transfer
  • $10 fee to receive a wire transfer

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.

Members sending funds to CESFCU as a wire transfer, should follow the Incoming Wire Instructions:

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 from Skip A Payments.

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 actual cash value or market value of the vehicle at the time of the loss, which means you could receive less than the amount you owe. GAP insurance pays the difference between the actual cash value or market value of the vehicle and the amount owed on your vehicle. 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 offer.

Let’s say your vehicle is totaled in an accident. You still owe $25,000 on the loan, but your insurance only pays you the current value less your deductible, which is $21,000.

Beyond Protection:

• 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.

All statements made are subject to provisions, exclusions, conditions, and limitations of the applicable insurance policy. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations.

TruStage Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates.175 Berkeley Street, Boston, MA 02116 USA. Equal Housing Insurer. © 2022 Liberty Mutual Insurance. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. 

TruStage® Final Arrangements and Preplanning Solutions products and services are made available through and sold by licensed agents of American Memorial Life Insurance Company (AMLIC), Rapid City, SD, part of TruStage Financial Group, Inc. AMLIC is licensed in all states except NY. An agent may contact you. Products are not currently available in all states.

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. The Auto and Home Insurance Program is issued by a leading insurance company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any depository institution.

Corporate Headquarters 5910 Mineral Point Road, Madison WI 53705