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  News
Upcoming Events
3/12/2014 - 03-24-14 FRAUD ALERTS - UPDATES - DO NOT RESPOND!
3/13/2014 - CARD CRACKING FRAUD! BEWARE STUDENTS & ALL!

Spot Light
LOST/STOLEN DEBIT CARD?
When Cape Regional Credit Union IS CLOSED-
1. CALL 1-800-500-1044 &
2. CONTACT CRCU AS
SOON AS POSSIBLE & OR MONDAY MORNING(if lost or stolen on weekend).
DURING BUSINESS HOURS-PLEASE CONTACT US
    AT: 573-388-2330
    OR: 573-334-7686.

WEBSITE ADDRESS:


CAPE OFFICE-573-334-7686
FRUITLAND -  573-388-2330
Drive-up Hrs @ Branches:  
M -TH   8 a.m. -   5 p.m. 
FRI        8 a.m. -   6 p.m.
SAT       9 a.m. - 12 p.m.
Lobby Hrs
M - TH  9 a.m. -   4 p.m.
FRI        9 a.m. -   5 p.m.


Location Directions:
FRUITLAND BRANCH @
5721 US Hwy 61, Jackson 
PH:  573-388-2330
Directions:

Just North of the Jackson-
Fruitland exit and
located
west of stoplight intersection
at Hwy 61 & Hwy 177.

CAPE BRANCH@

2427 Cape Centre Dr.,Cape
 
PH: 573-334-7686
Directions:
On Kingshighway- south
one block from William St.
turn R. onto Cape Centre
Drive.  OR turn left (one street
north  of Pagoda Gardens Chinese Restaurant 
located on S.Kingshighway)
.


 

 

 
 Site Developed by Element 74 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

   

 

 

     
 

 

Who is Eligible for Membership?

1. Anyone
who lives or works in Cape Girardeau County.   
2. Immediate Family Members.  
3.
Person(s) who Work at One of Cape Regional Credit Union's Employee Groups(listing below)
    or are a Parish Member of one of three churches.


1.  We have been open to anyone who lives or works in Cape Girardeau County, since Feb. 2005, 
     when Cape Regional Credit Union became a community credit union!

2.  Immediate Family Members 
including your spouse, children, brothers, sisters, parents, 
     and grandparents, and grandchildren
are eligible to join regardless of where they live.  
     Family members must initially open their account in person at the credit union and be
     able to verify their relationship with you. 


3. We continue to serve persons who work at any of our 15 employee groups including 
    Mid South Steel, City of Cape Girardeau, and
    P & G employees (see completelisting below).  
    We welcomed Guardian Angel parishoners in March of 2007,
    and the employees of Major Custom Cable/Rapco!
 
   
Employee Groups include (whether or not they reside in Cape County): 
   Big River Telephone Employees,
   Buzzi-Unicem (Lonestar & Lonestar Alternate Fuels) Employees,
   Cape Girardeau County Employees,
   City of Cape Girardeau Employees, 
   City of Jackson Employees, 
   Concord Publishing Employees,
   Havco Wood Products Employees,
   Major Custom Cable/Rapco Employees, 
   Med Assets Corporation Employees,
   Mid-South Steel Employees, 
   Nordenia (M&W) Employees, and
   Procter & Gamble Employees (they started it all -our original name was
   Procter & Gamble Employees Credit Union)!
   or a parish member of:
   Guardian Angel, Oran, MO, or
   St. Ambrose, Kelso, MO or 
   St. John Church, Leopold, MO.


The Credit Union Difference includes: Personal Service, Low auto loan rates with same-day loan approvals, and Ownership!

More than 1.3 million people in Missouri belong to credit unions. By having an account at
Cape Regional Credit Union, you are a member-owner.  
The credit union is owned & operated by you!


Credit unions help members from all walks of life every day.  Across the state, credit union members are a diverse group: teachers, doctors,
lawyers, students, office workers, blue collar employees and retirees.  Many are consumers who have not been able to find the financial
help they need anywhere else – people who believe that with hard work and careful planning, they will be able to achieve their financial dreams.

 

 

Missouri is home is more than 153 credit unions– each working hard every day to help members reach their financial dreams. In their goal of
meeting financial dreams, today’s credit union members have the same values that helped launch the credit union movement nearly 100 years
ago in the United States. 

 

Credit unions are based on the belief that the people who help manage your money should care about your dreams, share your values and be
a real part of the community.  Credit unions focus on people – not profits.


What Sets Credit Unions Apart? 
Other financial institutions focus on money.  

Credit unions focus on people and results.
  
The credit union difference is evident in four key ways - 
 
1) Governance
Credit unions are locally owned by their members.  Our board of director’s are members who serve as unpaid volunteers.  As members themselves, these volunteers understand members’ needs and focus on ways to meet those needs.  Credit unions are financial democracies.  No matter how much money a member has on deposit, each member has an equal vote in decisions for the credit union.

2) Purpose
Credit unions are not-for-profit financial cooperatives.  The money each credit union makes is invested back in it’s members in a variety of ways:
lower loan rates, and fewer and lower fees are what our members enjoy!  Credit unions’ most important responsibility is promoting the financial success of their members. 

3) Member Benefits
From better rates to special programs, credit unions provide a wide range of member benefits.  All members are treated equally, no matter how much money they have on deposit.  Credit unions reach out with special programs to growing numbers of Missourians who can’t get the help they need from other financial institutions. 
4) Values
Credit unions put people first and help members move forward financially. The values of credit unions reflect the values of their members.  Without credit unions, the people of Missouri would have fewer options and opportunities. Credit unions provide an important consumer choice that’s good for Missouri and its communities.

Find out more!
missouricreditunions.org or lovemycreditunion.com.


Credit Union History
The credit union movement began nearly 100 years ago in the United States. Missouri’s state lawmakers welcomed the not-for-profit financial cooperatives in 1927 by passing legislation that allowed credit unions to organize. That same year, St. Andrew Credit Union was the first Missouri credit union to receive its state charter. 

During the Great Depression, when growing numbers of people found themselves without financial resources and without options, credit unions stepped up to help those in need. The number of credit unions in Missouri – and across the country – grew rapidly during this time.  As when credit unions first started, the credit unions of today are focused on helping members achieve their financial dreams.

The Division fo Credit Unions, a branch of Missouri’s Dept of Economic development, regulates state-chartered credit unions.  All Missouri credit unions are federally insured by NCUSIF - The National Credit Union Share Insurance Fund-an arm of the NCUA, National Credit Union Administration.  The US Government backs this fund with full faith and credit just as it does the FDIC.  
NCUSIF provides the same amount of coveage for credit unions as the FDIC does for banks: up to $100,000 per depositor.

Members have access to Savings Accounts, Checking Accounts,
Money Market Accounts, and Certificate of Deposit Accounts (CD’s).

How do our fees compare to banks?  Ours are lower!  Check us out!

We offer consumer loans on Vehicles, Motorcycles, ATV’s, RV’s, Tractors, Horse Trailers,
and large Lawn Equipment.  We also offer secured CD, and Savings account l
oans at reduced
rates to our members.

There are no loan prepayment penalties!

We offer ATM or Debit Checkcards, (local ATM machines - no fee usage) VISA cards, 
Online banking and Bill Pay.     
               
There is no fee for signing up or using online banking or bill-pay.
  

Our board of directors are members who voluntarily serve a 2 year term and are
elected by the members.   

 

 

 

 

 

 

 

 

 

 

 
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