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Mortgage Rates:

Type of LoanLTVRateAPR
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/AN/A
3/1 ARM (Non-Convertible)** N/AN/A
5/1 ARM (Non-Convertible)** N/AN/A
7/1 ARM (Non-Convertible)** N/AN/A
10/1 ARM (Non-Convertible)** N/AN/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 detailsask 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 Certificate1.00%1.00%
6 Month Certificate4.50%4.41%
7 Month Promotional Certificate5.25%5.13%
9 Month Certificate2.50%2.47%
12 Month Certificate4.00%3.93%
13 Month Promotional Certificate5.25%5.13%
18 Month Certificate3.50%3.44%
24 Month Certificate2.25%2.23%
36 Month Certificate2.25%2.23%
48 Month Certificate2.25%2.23%
60 Month Certificate2.25%2.23%

Auto Rates:

Type of LoanTermRateAPR
New Auto/Truck 2023- 202448 Mo.as low as 5.990%5.9900% APR*
New Auto/Truck 2023- 202460 Mo.as low as 5.990%5.9900% APR*
New Auto/Truck 2023- 202472 Mo.as low as 6.240%6.2400% APR*
New Auto/Truck 2023- 202484 Mo.as low as 7.740%7.7400% APR*
Used Auto/Truck 2020 - 202348 Mo.as low as 6.490%6.4900% APR*
Used Auto/Truck 2020 - 202360 Mo.as low as 6.490%6.4900% APR*
Used Auto/Truck 2020 - 202372 Mo.as low as 6.990%6.9900% APR*
Used Auto/Truck 2015-201948 Mo.as low as 7.490%7.4900% APR*
Used Auto/Truck 2015-201960 Mo.as low as 7.490%7.4900% APR*
Used Auto/Truck 2015-201972 Mo.as low as 7.990%7.9900% APR*
New Recreational Vehicle 202448 Mo.as low as 7.990%7.9900% APR*
New Recreational Vehicle 202460 Mo. as low as 7.990%7.9900% APR*
New Recreational Vehicle 202472 Mo.as low as 8.490%8.4900% APR*
Used Recreational Vehicle 2015-202348 Mo.as low as 7.990%7.9900% APR*
Used Recreational Vehicle 2015-202360 Mo.as low as 7.990%
7.9900% APR*
Used Recreational Vehicle 2015-202372 Mo.as low as 8.990%8.9900% APR*

Personal Rates:

Type of LoanTermRateAPR*
Deposit Secured Loan60 Mo.as low as 3.990%4.190% APR
Deposit Secured Loan120 Mo.as low as 4.990%5.100% APR
Unsecured Loan60 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)

Local: Call  440-266-2200

Toll Free: Call 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

Bill Pay Issues: Call 866-799-8387

LOST or STOLEN CREDIT, ATM or DEBIT CARD REPORTING NUMBERS

Lost or Stolen ATM or Debit Card:

Call 866-563-3972

Lost or Stolen Visa Credit Card:

Call 800-449-7728

To activate your DEBIT Card:

Call 800-631-3197

To reset your Debit Card PIN number:

Call 888-886-0083

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.

Debit Card: Call 866-563-3972

VISA® Card: Call 866-820-5849

Contact Your Board of Directors

Email: board@cardinalcu.com

Enroll for them:

UNSUBSCRIBE member:



Enroll in eStatements video:


Enrolling in Online Banking:

  1. Select “First Time User
  2. 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. 
  3. 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

MoneyPass
Alliance One

Looking for a shared branch? Search on the Shared Branching Locator

Mentor Branch & Main Office

Photograph of 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

Photograph of 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

Photograph of 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

Photograph of 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

Photograph of Autsintown 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

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