Smart Tips & Tools


Every CCB Personal Checking Account comes with Personal Identity Protection which offers reimbursement for covered expenses you incur to restore your identity, up to the maximum amount allowed for the product enrolled, as a result of a Covered Stolen Identity Event. This benefit provides peace of mind in the unlikely event a lost or stolen ID affects you.

A Stolen Identity Event means the theft or unauthorized or illegal use of your name, demand deposit account or account number, Social Security number, or any other method of identifying you.

Top Tips Everyone Should Know about Identity Theft

Here are some tips to protect you from becoming a victim of identity theft, and steps to take if you think someone may have filed a tax return using your name. Learn More

Take Charge: Fighting Back Against Identity Theft

More Facts for Consumers from the Federal Trade Commission. Learn More

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Please note that all financial calculators require a Java enabled browser. For best results use the most recent version of your Internet browser. Windows users may need to install Java - which can be downloaded for free from

Loan Calculators

Auto Loans

Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!

Buy vs. Lease

Should you lease your next automobile or finance it? Find out with this calculator!

Simple Loan

Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!

Payment Options

This calculator helps determine your loan or line payment.

Loan Comparison

Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options.

Mortgage Calculators

Mortgage Loan Calculator

Use this calculator to determine your monthly payment and amortization schedule.

Mortgage Qualifier

Can you buy your dream home? Find out just how much you can afford!

Refinance Breakeven

Should you refinance your mortgage? Use this calculator to determine when you will breakeven!

Rent vs. Buy

Are you better off buying your home, or should you continue to rent?

Personal Debt Calculators

Accelerated Debt Payoff

Consolidating your debt is only half of the battle. You still need a plan to get your debt paid in full. This calculator can show you how to accelerate your debt payoff.

How much do you owe?

Use this calculator as a starting point for your debt management plan.

Savings & Retirement Calculators

College Savings

Use this calculator to help develop or fine tune your education savings plan.

Savings Calculator

Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

Retirement Planner

Quickly determine if you retirement plan is on track - and learn how to keep it there.

Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Don't Be an On-line Victim: How to Guard Against Internet Thieves and Electronic Scams

Identity theft continues to be one of the fastest growing crimes in the United States, and has ranked as one of the top consumer concerns for the past several years. The Federal Deposit Insurance Corporation (FDIC) has produced a multimedia presentation to help consumers protect themselves from identity theft. The presentation provides information on steps you should take to secure your computer and protect yourself from identity theft, as well as actions you should take if you become a victim of identity theft.

Reluctant to be rude?
Respectfulness and politeness — they’re valued in many close-knit communities. But when you’re dealing with a scammer, those values can backfire. Scammers try to take advantage of your politeness to get you to hand over money or personal information. Here are some situations when "rude" is approved. Learn More

Stay Safe Online

The National Cyber Security Alliance's mission is to educate and therefore empower a digital society to use the Internet safely and securely at home, work, and school, protecting the technology individuals use, the networks they connect to, and our shared digital assets. Learn more.

Cybersecurity Awareness: Tips to help safeguard your online accounts.

  • When sending sensitive information via the Internet, make sure “https:” appears in the address bar; this  means the information you are transmitting is encrypted.
  • Ensure the wireless network you use is password-protected; choose a strong password and update it frequently for your work and home wireless networks. Likewise, always use a passcode on your mobile phone or tablet to stop an unauthorized user from accessing your device.
  • Don’t enter sensitive information into your phone when others can see what you’re entering.
  • Adjust the privacy settings on frequented social network sites. Cybercriminals often learn about people and their families and friends via social media in an attempt to spoof or phish you and your network.
  • Remain cautious of someone who isn’t whom they say they are or if the name and area don’t match what appears on the caller ID; this is often how spoofing occurs.
  • Never respond to text messages, emails, or phone calls from companies alleging to be your bank, government officials, or business representatives that request your banking ID, account numbers, user name, password, and/or other non-public information.
  • Similarly, don’t click on links sent to you from unknown sources via text message and/or email because they are likely malware.
  • Beware of “get rich quick” schemes; never voluntarily give out your bank account information or security credentials.

If you believe that you may have been a victim of identity theft, please follow the steps on our Report Fraud web page.

Don't Be an Online Victim:

How to Guard Against Internet Thieves and Electronic Scams. Visit the FDIC YouTube Channel to learn more.

Take Charge: Fighting Back Against Identity Theft

More Facts for Consumers from the Federal Trade Commission. Learn more.

A Security Guide for Small Business

If you run a small business, you may rely on technology to expand your reach and stay competitive, even if you don't have a full-time IT staff. wants you to have the information you need to protect your data, your networks, and your IT systems. Learn more

Business Online Banking Risk Assessment and Controls Evaluation

The Federal Financial Institutions Examination Council (FFIEC) has suggested that commercial online banking customers perform a related risk assessment and controls evaluation periodically.  We are providing a template for your business to complete as an exercise to ensure optimal security is in place.  Please go through and complete the following steps.  Note that the yellow highlighted areas of the risk assessment need to be customized according to your business environment.


EE/E Savings Bonds are a secure savings product that pay interest based on current market rates for up to 30 years. Electronic EE Savings Bonds are sold at face value in TreasuryDirect. To purchase a Savings Bond or to learn more.