A new credit card has joined the CCCU Rewards family - the Infinity Card is our highest earning rewards credit card and lets you earn more when you make purchases with airlines, restaurants, gas stations and more. Plus, you can combine points from your CCCU debit card purchases to earn rewards even faster.  

Bonus Points

New card holders can earn 25,000 bonus points when you spend $2,500 within 90 days of card activation, and your annual fee is waived for the first year (a $65 value).

With the Infinity Card:

• Earn 3x the points on airlines
• Earn 2x the points on restaurants, utilities and fuel
• And one point for all other purchases!

The Infinity Card provides infinite possibilities for your earning potential! Apply today by calling us at 702-228-2228 or visiting our website.

Top 5 Car Buying Tips

Are you ready to buy a new vehicle but aren’t sure how much you can afford? What are the factors that go into determining what you can borrow and the budget you need to follow? Here are a few helpful tips:

1. Check your credit score. It's a good idea to get a free credit report and to know your credit score before you begin shopping. Correct any outstanding credit issues before you go car shopping to get the best credit score and the lowest financing rate. This is something best done several months in advance; changes to your credit report are not typically completed quickly.
2. Know how much you can afford. Everyone's financial situation will be different, but a good rule of thumb for a car budget is that your monthly payment should be no more than about 10% of your take-home pay. In addition to the payment, you will need to factor in the costs of fuel, maintenance, repairs and insurance, which many people tend to overlook. Those costs are estimated at another 7% of your take home pay. So, all in, you're looking at a total car budget that is less than 20% of your monthly take-home pay. Use our loan calculator and get pre-approved at CCCU.
3. Think about the type of vehicle you are looking for and be flexible. Make a list of your wants and needs in a car. Plan on buying the car that meets 80% of your needs. Jot down your likes and dislikes on the cars that interest you. Doing so will help when it's time to narrow down the search. Build a target list of cars you might want to buy. As you complete your research, narrow the list to three vehicles so the shopping process won't be overwhelming. Read dealer review reports. Figure out your "must-have" options or packages and your preferred colors. Be prepared to be flexible, as you might have to budge on color to get the features you want, or vice versa. Consider buying a certified pre-owned vehicle as the car has already been thoroughly inspected.
4. What is the function of the vehicle? As you ponder which model vehicle to buy, think about your primary uses. Do you have a long commute to work? Consider something fuel-efficient. Do you need to tow a trailer on occasion? Look at trucks and larger SUVs. In general, you'll find that the more popular vehicles tend to hold their value better, which means that the prices will be higher than those they compete with. So, if you're looking to save money, shop more than one brand.
5. Check the vehicle history report. Autocheck and Carfax are the two best known sources for vehicle history reports which can reveal vital information about the car, including whether the odometer has been rolled back or if it has a salvage title, which means it has been declared a total loss by the insurance company. You'll use the car's vehicle identification number (VIN) to get this information, and in some cases, all you need is the license plate number.

If you’d like to find your next vehicle without the hassle of the dealership, consider using CCCU-owned Members Auto Brokerage Service to help purchase your next vehicle. They also take trade ins and buy used cars. Give them a call to discuss your options at 702-939-3115.

Please join us for our annual school supply drive to help local children in need! Starting July 18, CCCU branches will collect donated school supplies or cash to support our local students in need.   

Items in high demand include:

• #2 Pencils
• Pencil Sharpeners
• Disinfectant Wipes
• Copy Paper
• New or Gently Used Coats
• New Boys/Girls Underwear
• Lightweight Headphones or Earbuds

The full list of needed supplies includes:  

Glue Sticks, Scissors, Crayons (24 count), Dry Erase Markers, Composition Notebooks, Spiral Notebooks, Hand Sanitizer, Pencil Sharpeners, Resealable Storage Bags (quart, gallon, and sandwich size), Sticky Notes, Erasers, School Supply Box, and Backpacks.

There are two ways to give your support:

1. Donate items at any of our six branch locations between July 18 - August 1
2. Make a cash deposit/transfer at any branch or by calling our service department at 702-228-2228.

CCCU will be accepting donations through August 1. Please consider providing a donation to make this school year a little easier for the students and teachers at our local underprivileged schools.

CCCU on the Forbes Best-In-State Credit Union List