Unleash the Borrowing Power in Your Home with an Equity CreditLine

ECL as low as 5.50% APR*

Dreaming about fixing up your home? Need to consolidate your bills? Planning to finance a college education? We may have the perfect solution with CCCU's Equity CreditLine (ECL). Use the equity in your home to accomplish your goals for home improvement, bill consolidation, auto purchase or whatever you need. Your line of credit becomes available as you repay what you have borrowed and you only pay interest on the amount you use. CCCU's Equity CreditLine features:

• No Points
• No Annual Fees
• Unlimited Check Writing
• “Interest-only” payment option

Isn't it time to put the equity in your home to work for you?
Call today at 1.800.347.CCCU.

*APR=Annual Percentage Rate effective 03/31/05 and is subject to change. This is an open-end line of credit secured by the equity in your home. The rate is variable and is based on the Wall Street Journal prime rate. The rate is adjusted monthly with a minimum 3.50% APR* and a maximum 18.00% APR*. Estimated appraisal fee is $250. A one time membership fee of $5 will be added to your line of credit for new members opening an equity credit line as their only account with CCCU. A ¼% deduction if your Mortgage/1st Trust Deed is with CCCU.

Rev up and Go!

Auto Loans as low as 4.25% APR*

CCCU is your pit stop for all your vehicle financing needs.
For as low as 4.25 % APR*, CCCU can put you in the driver's seat of your new or used car, truck or SUV? Plus, if you've been a CCCU member for six months or less, you receive an additional new member discount of ¼% as our way of saying, “Welcome to Christian Community Credit Union.” For the best deals on wheels, call 1.800.347.CCCU.

*This is a fixed rate loan based on approved credit, down payment and participation in qualifying services. A one time $5 membership fee will be added to your loan for new loan only members. Rate effective as of 03/31/05 and is subject to change without notice.

Fraud Alert Phishing...

Don't get scammed!

Internet scammers casting for people's financial information have a new way to lure unsuspecting victims: They go “phishing.” This illegal, high-tech scam uses email or a pop-up message that claims to be from a business or organization that you deal with. The message usually says that you need to “update” or “validate” your account information and directs you to a Web site. Beware! Their purpose is to steal your identity¹.

In order to protect your name from this type of solicitation, please DO NOT follow the link or give out your personal information or user information for online banking systems even if it appears that the request for this information is coming from a reputable source.
Christian Community Credit Union will never ask you to provide us your username and password via email, over the phone or in writing. If you have any questions, please contact CCCU at 1.800.347.CCCU.
1.FTC Consumer Alert June 2004

Pay your bills online.

It's fast, secure and it's FREE!

Paying your bills is now easier than ever. With CCCU's online Bill Payer, you can pay anyone, anytime and anywhere. You can also receive your bills online, schedule recurring payments and verify past payments. No more hassle with writing checks or affixing stamps. Plus, in mid-April, Bill Payer is going to have an extreme makeover. Here are a few highlights….

• One central page for all your bill paying needs
• Multiple payment processed on the same day or the next
• Online calendar tool to schedule payments
• A bill reminder feature

If you are not using Online Bill Payer, why not? With just a few clicks, you can get rid of the hassles of traditional bill paying. Online Bill Payer is safe and secure. Save time and sign up for Bill Payer today!

Your money at work helping members one loan at a time.

When you place your deposits at CCCU, you're putting your money to good works. In 2004, more than 97% of your deposits were loaned back to members of the credit union family: pastors, church members, family members, churches and ministries.
For all your financing needs, call 1.800.347.CCCU.

Advance toward a successful retirement.

Your retirement years can span a significant portion of your lifetime. Will your current investment go the distance? Individual Retirement Accounts (IRAs) are one of the most popular paths to a secure future. With several alternatives, IRAs can align with a wide variety of needs and goals including:

• Tax savings on contributions
• Tax-deferred or tax-free growth
• A wide range of investment choices
• Maximization of retirement earnings
• A future income stream during retirement
• Tax-free transfer to heirs upon death

Christian Community Credit Union, through the broker/dealer services of Financial Network, can help you reduce the impact of taxes so your earnings can reach higher ground.

For a free consultation, call 1.800.347.CCCU, ext. 127 to speak with a representative from Christian Community Financial and Insurance Services, Inc.

Investments are: Not NCUA/NCUSIF Insured, not a deposit, not credit union guaranteed, not insured by any Federal Government agency, may lose value. Securities are offered through Financial Network Investment Corporation, a registered broker/dealer and member of SIPC. Financial Network is not an affiliate of this financial institution. Christian Community Financial and Insurance Services, Inc. is located at 101 S. Barranca Ave., Covina CA 91723. 800.347.CCCU ext. 127.