Mortgage Rates:
| Type of Loan | LTV | Rate | APR |
|---|---|---|---|
| 10 Year First Mortgage* | 2.590% | 2.819% |
|
| 15 Year First Mortgage* | 2.590% | 2.747% |
|
| 20 Year First Mortgage** | 2.790% | 2.956% | |
| 30 Year First Mortgage** | 2.990% | 3.108% | |
| 1/1 ARM (Non-Convertible)** | N/A | N/A | |
| 3/1 ARM (Non-Convertible)** | N/A | N/A | |
| 5/1 ARM (Non-Convertible)** | N/A | N/A | |
| 7/1 ARM (Non-Convertible)** | N/A | N/A | |
| 10/1 ARM (Non-Convertible)** | N/A | N/A | |
| Home Equity Line of Credit/Variable Rate (1st Lien) | 80- 85% Max LTV Prime + 1.75 | 5.000% | 5.000% |
| Home Equity Line of Credit/Variable Rate (1st Lien) | 85-90% Max LTV Prime + 2.24 | ask for details | ask for details |
| Home Equity Line of Credit/ Variable Rate (2nd Lien) | 80- 85% Max LTV Prime + 2.24 | 5.490% | 5.490% |
| Home Equity Loan/Fixed Rate | ask for details | ||
| 60 Months | ask for details | ||
| 120 Months | ask for details | ||
| 180 Months | ask for details |
CD Rates:
| Certificates of Deposits ($500 minimum) | APY* | Dividend Rate |
|---|---|---|
| 3 Month Certificate | 1.00% | 1.00% |
| 6 Month Certificate | 4.00% | 3.93% |
| 7 Month Promotional Certificate | 4.50% | 4.41% |
| 9 Month Certificate | 2.50% | 2.47% |
| 12 Month Certificate | 4.35% | 4.27% |
| 18 Month Certificate | 2.50% | 2.47% |
| 24 Month Certificate | 2.25% | 2.23% |
| 36 Month Certificate | 2.25% | 2.23% |
| 48 Month Certificate | 2.25% | 2.23% |
| 60 Month Certificate | 2.25% | 2.23% |
Auto Rates:
| Type of Loan | Term | Rate | APR |
|---|---|---|---|
| New Auto/Truck 2023- 2024 | 48 Mo. | as low as 5.740% | 5.7400% APR* |
| New Auto/Truck 2023- 2024 | 60 Mo. | as low as 5.740% | 5.7400% APR* |
| New Auto/Truck 2023- 2024 | 72 Mo. | as low as 5.990% | 5.9900% APR* |
| New Auto/Truck 2023- 2024 | 84 Mo. | as low as 7.490% | 7.490% APR* |
| Used Auto/Truck 2020 - 2023 | 48 Mo. | as low as 6.240% | 6.2400% APR* |
| Used Auto/Truck 2020 - 2023 | 60 Mo. | as low as 6.240% | 6.2400% APR* |
| Used Auto/Truck 2020 - 2023 | 72 Mo. | as low as 6.740% | 6.7400% APR* |
| Used Auto/Truck 2015-2019 | 48 Mo. | as low as 7.240% | 7.2400% APR* |
| Used Auto/Truck 2015-2019 | 60 Mo. | as low as 7.240% | 7.2400% APR* |
| Used Auto/Truck 2015-2019 | 72 Mo. | as low as 7.740% | 7.7400% APR* |
| New Recreational Vehicle 2024 | 48 Mo. | as low as 8.240% | 8.2400% APR* |
| New Recreational Vehicle 2024 | 60 Mo. | as low as 8.240% | 8.2400% APR* |
| New Recreational Vehicle 2024 | 72 Mo. | as low as 8.740% | 8.7400% APR* |
| Used Recreational Vehicle 2015-2023 | 48 Mo. | as low as 8.240% | 8.2400% APR* |
| Used Recreational Vehicle 2015-2023 | 60 Mo. | as low as 8.240% | 8.2400% APR* |
| Used Recreational Vehicle 2015-2023 | 72 Mo. | as low as 9.240% | 9.2400% APR* |
Personal Rates:
| Type of Loan | Term | Rate | APR* |
|---|---|---|---|
| Deposit Secured Loan | 60 Mo. | as low as 3.990% | 4.190% APR |
| Deposit Secured Loan | 120 Mo. | as low as 4.990% | 5.100% APR |
| Unsecured Loan | 60 Mo. | as low as 10.990% | 10.990% APR |
Mobile Banking
Existing users may continue to use the app beginning May 1, 2018 at 9:00 a.m. after following the initial Logon ID instructions for existing users. NEW mobile banking users: Once you have completed the Online Banking registration, you can download the Cardinal Mobile App from your device’s app store, and register with your newly created Online Banking credentials.
Contact Information
By Mail
Cardinal Credit Union
8500 Westport Drive
Mentor, Ohio 44060
By Phone (All Inquiries)
Toll Free: 877-900-MYCU (6928)
Fax: 440-266-2299
By E-Mail
Member Service: Mail@CardinalCU.com
Consumer Loans: Loans@CardinalCU.com
Mortgage Loans: Mortgage@CardinalCU.com
Do not include any personal information such as your Social Security Number or Account Number when e-mailing to Cardinal Credit Union. Do not E-Mail any requests for account information such as Balances, Stop Payments, Account Transfers, etc.
Payoff Requests
Loan Payoff Quotes
Vehicle/Personal/Consumer Loan Payoffs – To request a payoff quote call 440-266-2200 (option 2) or obtain the payoff amount from your online banking. Payoff payments in the form of cash, bank cashier’s check, and personal check are all acceptable. If paying by check, please make checks payable to Cardinal Credit Union.
Dealer Payoff Requests – Fax a signed borrowers payoff authorization request to the Loan department at 440-266-2298 or email Loans@cardinalcu.com.
Mortgage Payoff Quotes
Mortgage/Equity Loan Payoff Quotes – Fax your payoff request and borrower’s authorization form to 440-266-2297, email mortgage@cardinalcu.com, or call 440-266-2200, option 3.
Other Contact Information
LOST or STOLEN CREDIT, ATM or DEBIT CARD REPORTING NUMBERS
Lost or Stolen ATM or Debit Card:
Lost or Stolen Visa Credit Card:
To activate your DEBIT Card:
800-631-3197
To reset your Debit Card PIN number:
Travel Alert Notification
Traveling? For your security, call us first to ensure your debit card remains active. You can input your travel dates and destinations through your online banking account so you will not experience interruptions with your Cardinal VISA service while traveling.
Contact Your Board of Directors
Email: board@cardinalcu.com
Enroll for them:
UNSUBSCRIBE member:
Enroll in eStatements video:
Enrolling in Online Banking:
- Select “First Time User”
- Follow the steps by filling in information about your membership. Have ready the primary account holder’s membership number, social security number, and email address.
- Follow the remaining enrollment instructions on the screen to create your online profile.
Once enrolled, you will gain access and be able to view your account balances, make transfers, and use Bill Pay.
Login to Online Banking & Bill Pay
You can login to your Cardinal Online Banking by using the login box located at the top of this page, or below. Once logged in, you can use Bill Pay to set up automatic and scheduled payments by choosing “Bill Pay” from the menu.
Using an outside financial institution to make a payment on a Cardinal loan? It’s easy…
To make a payment on one of your Cardinal loans using a bank account (other than a Cardinal account), use the link below. Please Note: Cardinal First Mortgage payments cannot be accepted through this payment center. Please call us at 440.266.2200 if you’re making a First Mortgage payment.
Make a Cardinal VISA® Credit Card payment or view your statement
To make a VISA card payment or to view your statement and transaction history, please use the link below. If you have a Cardinal checking or savings account and wish to make a payment from there, you may do so by logging in to Online Banking and transferring the payment amount from your Cardinal account to your VISA.
ATM Network Locator
By special arrangement with MoneyPass and Alliance One, members using their Debit Card at any of the 43,000 plus locations will not incur a surcharge fee. (Standard ATM fees may apply based on your credit union relationship.)
Surcharge-Free ATM Locators
Mentor Branch & Main Office
Address Map
8500 Westport Drive
Mentor, OH 44060
Phone:
440-266-2200
877-900-MYCU (6928) Toll Free
877-900-7928 Toll Free Fax
Hours:
Monday-Thursday | 9:00 am to 5:00 pm
Friday | 9:00 am to 6:00 pm
Saturday | 9:00 am to 1:00 pm
Drive-up Teller & ATM services.
Mayfield Heights Branch
Address Map
1220 SOM Center Rd
Mayfield Heights, OH 44124
440-266-2200 Main Office
877-900-MYCU (6928) Toll Free
877-900-7928 Toll Free Fax
Hours:
Monday – Tuesday | 9:00 am to 5:00 pm
Wednesday | CLOSED
Thursday | 9:00 am to 5:00 pm
Friday | 9:00 am to 6:00 pm
Saturday | 9:00 am to 1:00 pm
Ashtabula Branch
Address Map
625 Lake Avenue
Ashtabula, OH 44004
Phone:
440-266-2200
877-900-MYCU (6928) Toll Free
877-900-7928 Toll Free Fax
Hours:
Monday, Tuesday, Thursday | 9:00 am to 5:00 pm
Closed Wednesdays
Friday | 9:00 am to 6:00 pm
Saturday | 9:00 am to 1:00 pm
Drive-up Teller & ATM services.
Willoughby Branch
Address Map
34465 Euclid Avenue
Willoughby, OH 44094
440-266-2200 Main Office
877-900-MYCU (6928) Toll Free
877-900-7928 Toll Free Fax
Hours:
Monday, Tuesday, Thursday | 9:00 am to 5:00 pm
Closed Wednesdays
Friday | 9:00 am to 6:00 pm
Saturday | 9:00 am to 1:00 pm
Drive-up Teller & ATM services.
Lakeland Branch
Address Map
7700 Clocktower Drive
Building A
Kirtland, OH 44094
Phone:
440-266-2276
440-951-6211 (fax)
Hours:
Monday | 10 am – 6 pm
Tuesday – Thursday | 8 am – 4 pm
Friday | 8 am – 1 pm
877-900-MYCU (6928) Toll Free
877-900-7928 Toll Free Fax
ATM on campus in Building A
Austintown Branch
Address Map
Austintown Plaza–Suite# 210
6000 Mahoning Avenue
Austintown, OH 44515
Phone:
440-266-2200
877-900-MYCU (6928) Toll Free
877-900-7928 Toll Free Fax
Hours:
Monday – Thursday | 9:00 am – 5:00 pm
Friday | 9:00 am – 6:00 pm
Saturday | 9:00 am – 1:00 pm
ATM available