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Frequently Asked Questions
Your credit union is simple! We invest your money into common funds. You elect your members as directors at Annual General Meetings to manage your funds. We lend members money from your funds, and you are charged interest on loans acquired. Interest earned and profits from investments is your credit union’s income. The Board of Directors along with the General Manager pay the cost of running your credit union with the credit union’s income. After operational expenses are determined, DIVIDENDS are distributed to members in good financial standing with the credit union.
Dividends are a sum of money paid annually by the Credit Union to its Members out of its surplus. This means to say once the expenses of the credit union are met, additional income is distributed to its members. Dividends are paid on all shares which were fully paid up during the financial year to which the dividend relates. Shares which become fully paid up during the year and shares withdrawn during the year shall be entitled to a proportion of the dividend.
Dividends are credited to members’ accounts and are accessible the following working day after the Annual General Meeting.
You can apply for your dividends by logging onto your account via our online banking website www.ccuebranch.com or using CCU’s Mobile Application and perform a self-transfer from your dividend account to your other credit union accounts or to your bank account.
Your dividends will remain on their dividend account for three (3) months from the disbursed date. After which, it will be automatically transferred to your share account. If you wish to have it transferred sooner, please logon to our Online Banking site at www.ccuebranch.com, click the transfer tab and transfer the funds from your dividend account to your account of choice, using the self-transfer option.
Clico Credit Union has online blanking feature and an option for self-transfer whereby you can debit your CCU account and credit your bank account.
Lincu cards take long than this, even over 1 month
CCU E-Branch is our online platform that allows Members to have 24/7 access to their accounts. With E-Branch you can apply for loans, Request Funds, View your accounts and transfer funds. To sign up simply go to www.ccuebranch.com.
If the Member has nominated a beneficiary listed on their account, the beneficiary is entitled to the balance in the Share and Share Deposit accounts up to $50,000.00 after the liquidation of loans if any. Amounts in excess of $50,000.00 are due to the estate and can only be obtained via probate of a will or letter of administration.
