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Mortgage Rates:

Type of LoanLTVRateAPR
10 Year First Mortgage* 2.890%

3.120%
15 Year First Mortgage* 3.040%

3.199%

20 Year First Mortgage** 3.215%
3.384%





30 Year First Mortgage** 3.390%3.511%
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 May Be Shares or IRA's ($500 Minimum Deposit)APY*Dividend Rate
3 Month Certificate0.20%0.20%
6 Month Certificate0.25%0.25%
9 Month Certificate0.25%0.25%
12 Month Certificate0.25%0.25%
18 Month Certificate0.40%0.40%
24 Month Certificate0.40%0.40%
36 Month Certificate0.50%0.50%
48 Month Certificate0.50%0.50%
60 Month Certificate0.50%0.50%

Auto Rates:

Type of LoanTermRateAPR
New Auto/Truck 2019 - 202048 Mo.as low as 2.990%2.990% APR*
New Auto/Truck 2019 - 202060 Mo.as low as 2.990%2.990% APR*
New Auto/Truck 2019 - 202072 Mo.as low as 3.250%3.250% APR*
New Auto/Truck 2019 - 202084 Mo.as low as 4.750%4.750% APR*
Used Auto/Truck 2016 - 201948 Mo.as low as 3.490%3.490% APR*
Used Auto/Truck 2016 - 201960 Mo.as low as 3.490%3.490% APR*
Used Auto/Truck 2016 - 201972 Mo.as low as 3.990%3.990% APR*
Used Auto/Truck 2011 - 201548 Mo.as low as 4.490%4.490% APR*
Used Auto/Truck 2011 - 2015 60 Mo.as low as 4.490%4.490% APR*
Used Auto/Truck 2011 - 2015 72 Mo.as low as 4.990%4.990% 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 10.490%10.490% APR
New Recreational Vehicle 2019 - 2020180 Mo.as low as 7.750%7.750% APR
New Recreational Vehicle 2019 - 2020120 Mo.as low as 6.990%6.990% APR
New Recreational Vehicle 2019 - 202060 Mo.as low as 5.500%5.500% APR
New Recreational Vehicle 2019 - 202048 Mo.as low as 5.500%5.500% APR
Used Recreational Vehicle 2011 - 2019180 Mo.as low as 8.250%8.250% APR
Used Recreational Vehicle 2011 - 2019120 Mo.as low as 7.750%7.750% APR
Used Recreational Vehicle 2011 - 201960 Mo.as low as 5.500%5.500% APR
Used Recreational Vehicle 2011 - 201948 Mo.as low as 5.500%5.500% 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.

Other Contact Information

Bill Pay Issues: Call 1-866-799-8387

LOST or STOLEN CREDIT, ATM or DEBIT CARD REPORTING NUMBERS

Lost or Stolen ATM or Debit Card:

Call 800-554-8969

Lost or Stolen Visa Card that begin with the numbers 482000617:

Call 800-449-7728

Travel Alert Notification

Traveling? For your security, call us first to ensure your debit card remains active.

Debit Card: Call 844-293-6180

VISA® Card: Call 866-820-5849

Contact Your Board of Directors

Email: board@cardinalcu.com

Enroll for them:


By submitting this form, you are consenting to receive marketing emails from: Cardinal Credit Union, 8500 Westport Drive, Mentor, OH, 44060, https://www.cardinalcu.com/. You can revoke your consent to receive emails at any time by using the SafeUnsubscribe® link, found at the bottom of every email. Emails are serviced by Constant Contact

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.

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

Skip a pay information:

Before requesting to Skip-a-Payment:
Please ensure you first read the above guidelines, and know what is available for each service.

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