For Credit Unions

Through our program Beneficial For You - The Credit Union Advantage , we offer credit unions the opportunity to partner with CCCS. This working partnership provides your staff and members with various debt management resources.

Beneficial For You - The Credit Union Advantage through CCCS is a valuable asset your credit union can offer its members in addition to the services your credit union currently provides.

BENEFITS

Credit Unions can benefit by knowing their members facing financial problems will receive professional help from an agency they can trust.

Through Beneficial For You , credit union personnel have alternatives to work with members who:

• Need objective professional guidance to improve their creditworthiness
• May be delinquent or behind on credit union loans or other bills
• Were denied credit
• Are new to the credit union industry
• Need an alternative to bankruptcy

The community will benefit by knowing its citizens who face financial difficulty will obtain confidential and professional advice. Sound financial advice through counseling, education and planning is an economically integral component to a community's well-being.

SERVICES

CCCS offers the following services as part of the Beneficial For You - The Credit Union Advantage program. Click the link to learn more, email us at info@cccsinc.org or call us at 1.888.999.1794.

Credit Counseling

Our advisors will review your members current situation, and collaborate to determine the most effective financial strategies to address current problems and meet future goals. We'll also help develop a personalized plan to get on stable footing and avoid financial pitfalls down the road.

Debt Management Program
Our Debt Management Plan (DMP) provides a systematic way for your members to pay down outstanding debt. We'll work with your members to design a manageable, tailored plan that will minimize monthly payments, interest and related fees--and reduce or eliminate those stressful collection calls. Once enrolled in a Debt Management Program, your members make a single convenient monthly deposit that is disbursed to their creditors. As a Beneficial For You partner, your members receive reduced fees.

Housing Counseling

CCCS is certified by the U.S. Department of Housing and Urban Development (HUD) as a comprehensive housing counseling agency. Our HUD-trained and certified housing counselors provide expertise to help your members through a variety of issues and concerns--including pre-purchase, mortgage default, rent delinquency, post occupancy and declined loan application.
 

Reverse Mortgage Counseling
We provide reverse mortgage counseling, when appropriate, to your members over the age of 62.

Homebuyer Workshops*
We offer HUD-approved "First-Time Home Buyer" workshops, a step-by-step guide to buying a home that helps assess your members' financial readiness. Participants receive a certificate of completion, which is required for most down payment assistance programs.

*Home Buyer Education in-person presentations in Florida are limited to approved counties.

Educational Workshops
CCCS Educators present financial education programs designed to motivate your members to take financial control of their lives. Your partnership with CCCS includes educational programs for your members and your staff. These presentations are conveniently conducted at your credit union. Presentations are from 1 to 3 hours in length. In collaboration with Beneficial For You partners, the CCCS Education Department will customize presentations to meet members' needs

Online Education

As a new feature to this program, your members can explore how they can begin to gain financial control with our tools and calculators. Get expert tips and training through our online webinars and portable podcasts. We offer the information they need to manage their personal finances with confidence. 

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Visit www.CredAbilityU.org to learn your way out of difficult times.