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Frequently Asked Questions

Accounts FAQs

Q. What is the purpose of the Lifesavers Kids Club?

A. Teaching kids about money is important to address at an early age. Money management can be a challenging topic for adults and kids. The CFFCU kids club encourages practical money saving skills and helps adults promote financial literacy and money management skills to youth.

Q. Is there a minimum balance required for the Lifesavers Kids Club?

A. $5 is required to open and maintain an account.

Q. What is the minimum deposit to open a CD?

A. The minimum deposit for a regular CD is $1,000.00 and $500.00 for a youth CD.

Q. What is an IRA?

A. An IRA is an Individual Retirement Account that enables you to save money from your employment income for your retirement.

Q. How do I activate my ATM/Debit card?

A. Do a balance inquiry at any of our ATMs or contact any of our offices and a member service representative can assist you.

Q. Are there any restrictions on the use of an ATM?

A. There is a $500 daily ATM withdrawal limit.

Q. Are there any restrictions on the use of the Debit Card?

A. There is a limit of 10 transactions per day and a limit of $1500 per day. These can be edited by your member Service representatives at any of our locations.

Q. Are there foreign transaction fees on my Debit Card?

A. Yes, there is a 1% fee for every overseas transaction.

Q. How do I get a replacement card?

A. Come in or call any of our offices and speak with a member service representative.

Q. How long does a replacement card take to get to me?

A. Debit and Credit cards take between 7 and 10 business days to arrive in your mailbox. They are mailed in a plain white envelope.

Q. What do I need to do if I will be using my card out of state or out of the country?

A. If you do not call ahead, your card may not work. Call any of our offices and a member service representative will assist you.

Q. If I temporarily lose my card, can I turn it off until it is located?

A. Yes, call into one of branches and we will be able to place a freeze on the card or log into your online banking and select that function.

Loans FAQs

Q. How do I make a principle only payment to my loan?

A. Call or come into one of our locations and a teller would be happy to assist you with that.

Q. What do I need to get a loan payoff?

A. Call or come into one of our locations to request that payoff.

Q. What is needed for a real estate payoff request?

A. Contact the Loan Department at 260-726-2142 for that information.

Q. I paid off my loan today. When will it show as paid on my credit report?

A. We send our files to the credit bureaus on the first business day of every month (only once a month). Once the credit reporting agencies update their information, your loan will show as paid off/closed on your credit report.

Q. Where can I submit my proof of insurance?

A. You can use our secure file upload feature.

Q. What do you need for proof of insurance for my loan?

A. We require the declarations page that shows your vehicle information (year, make, model, and VIN#). It must indicate the coverages on the vehicle to include $500 deductible for both Comprehensive and Collision and CrossRoads Financial FCU must be listed as lienholder.

Q. When I pay off my vehicle loan, when can I expect to receive the title?

A. The credit union must have guaranteed funds on hand before releasing the title. If the vehicle is paid with cash or a cashier’s check, the title can most likely be released that day in person. If it is paid off with a personal check, the title would be available when the funds clear.

Q. How do I pay my loan with an external account?

A. Payments can be made in a variety of ways. Visit our Payment Portal to set up your payment.

Q. How do I set up automatic payments?

A. You can set that up at the time of the loan closing or visit one of our offices to set that payment up

Q. I do not need a loan, but can you pull credit for me?

A. We cannot pull credit without initiating a loan application. You can get a free credit report at

Q. How do I apply for a personal/auto loan?

A. You can apply online at our website or call into our office and do the application over the phone.

Q. Do I need to be approved for the auto loan before I find a vehicle?

A. Not necessarily, but it is recommended that you apply and are preapproved before signing for the vehicle. This way, all that the dealer will need to do is fax (260-726-6846) the purchase agreement to the credit union when the deal is complete. Once the final purchase price is established and documented, then the loan can be completed.

Q. How do I apply for a mortgage loan?

A. You can contact the mortgage lending team at 260-726-2142.

Q. How can I access my Home Equity Line or Credit (HELOC) funds?

A. Call or come into one of our locations or use your Home Equity VISA card anywhere VISA is accepted.

Q. Can I apply for a loan if I am not currently a member?

A. Yes, you can apply for a loan, but if approved you will need to qualify and become a member to proceed.

Service FAQs

Q. What is my routing number and account number?

A. Our routing number is 274975602 and your account number is a 10-digit number that can be located at the bottom of your checkbook or retrieved by calling or stopping by one of our locations.

Q. Who should I contact if I have questions regarding reporting fraud?

A. Call or stop by one our locations and a member service representative can assist you.

Q. When will the mobile check deposit appear in my account?

A. Most checks will be available by the next business day.

Q. What if the check image I photographed is bad?

A. This check will not clear and you will need to bring it to one of our offices.

Q. How can I reset my online banking if I have locked myself out without calling the credit union?

A. Follow the easy steps by selecting the Forgot Username/Password feature.

Q. Will I be able to save my login information for online banking?

A. Yes, you will be able to select Remember Device. If you have face recognition or fingerprint security, you can use those options on the mobile app.

Q. How do I complete a wire transfer?

A. Call or stop by one of our locations to complete a wire transfer.

Q. When does my direct deposit go into my account?

A. Direct deposits are usually processed before 8:30 AM Monday-Friday.

Q. How do I complete an ACH transfer to another financial institution?

A. Stop by one of our locations to fill out a form to complete this type of transfer. These requests must be completed at least 15 days before the payment is scheduled to run.

Q. Can I pay my bills with my credit card through bill pay?

A. No, the application only accepts payments from demand deposit (checking) accounts.

Q. Can I use Bill Pay on my mobile device?

A. Yes, Bill Pay also works inside our mobile application.