Newly Single - Starting New

Getting started is often the most difficult part of starting new. The first step is often opening a checking account and starting the services that you know you need. It is easy to add and change services as time moves along. We enjoy helping members work toward the mix of products and services that best meet their needs.

Open an account today with the help of a Carolina Postal Credit Union Account Manager. Check the Contact Us Page on our website for phone numbers or email addresses in your area.

1. Starting New
2. Starting New on Existing Accounts                         
   

Starting New - Opening a New Account     

Carolina Postal Credit Union Account Managers are available to assist you as you open a new account. If you currently have a shared account and wish to open a new account in your own name, our Account Managers are able to assist you over the phone or in person. As a current member of Carolina Postal Credit Union you are a member for life regardless of what eligibility you used to join (yours or your partner's).

 Additional Services

There are several services that may prove useful when opening a new account:

Direct Deposit: If you wish to have paychecks, social security payments or ongoing payments directly deposited into your account, your account number and the credit union routing number can be provided to the employer or agency that will be depositing the funds.  Contact an Account Manager for assistance.

Automatic Payments: If you have automatic payments currently coming out of your account and with to have the payments come out of the new account please contact an Account Manager for assistance.

Starting New - New Loans

Whether you are moving to a new home, need cash for unplanned expenses, or would like to consolidate your debt, Carolina Postal Credit Union can help you through the change.

Understanding and building your credit score:

As you make decision about what loan products to utilize it is helpful to understand how your decisions may impact your credit. Your credit score can directly impact the interest rate you will pay on virtually any type of loan. Closing old accounts and opening new accounts can impact your credit score.  Review with your Carolina Postal Account Manager the loans you need to switch over to your name:

Credit Cards

Line of Credit

Auto Loan

Mortgage Services

Debt Consolidation

Starting New - Refinancing Debt 

When working to refinance debt that was acquired with a co-borrower, there are a few things to consider.

The current debt is the contractual obligation of both borrowers. Regardless of divorce decree and arrangements between the borrows, if the debt is unpaid, both borrowers are held responsible.

Taking a careful look at your credit report, early and often as you start fresh is an important component of a quick transition. Identifying and watching the shared credit obligations your credit report will help prevent surprises and often lead to a better credit score.

How you time the closing and opening of accounts and significantly impact your credit score, and as a result the rates you will pay on your debt. Discuss your options with a Carolina Postal Credit Union Account Manager as you get ready to establish new loans and services.

Starting New - Financial Plan       

Investment and Retirement Services

If you have shared investments and retirement accounts set up or want to plan for your future, you may wish to meet with Carolina Postal Credit Union's Member Services investment adviser for a free consultation regarding your options. Call Kim at 704 392 3418 ext 230 to set up your appointment with Andreena Moss today.