Turn your house into you dream home!

Give your house a makeover with a low-rate Equity CreditLine from CCCU. Plus for a limited-time only, you save with our no-fee special offers below!

• No appraisal fee
• No lender fee
• Little or no closing costs**

Use the equity in your home to accomplish your goals for home improvement, bill consolidation, auto purchase or whatever you need. Now's a great time to add a special touch to your dream home and save!

Call today at 1.800.347.CCCU. 

*APR=Annual Percentage Rate, effective 06/30/05 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 adjustable monthly with a minimum 3.50%APR* and a maximum 18.00% APR*. Estimated appraisal fee is $400. A one time membership fee of $5 will be added to your line of credit for new members opening an Equity CreditLine as their only account with CCCU. A ¼% deduction if your mortgage/1st Trust Deed is with CCCU. Special offer available for California residence. Offer expires 08/31/05. **Call CCCU for details.

Account Access

Christian Community Credit Union (CCCU) offers you convenient access to your accounts anytime, anywhere. Whether you're at home, in the office or on the road, you're never too far from your money. It's banking without borders!

Online Account Access & Free Bill Payer

You're only a only a click away to your accounts when you visit CCCU's Web site at myCCCU.com. Get 24/7 access to your accounts.

Discover the convenience of Online Account Access

• View your current balance, account history and cleared checks images
• Make real-time transfers between accounts
• Make loan payments
• Use Bill Payer to make free online payments
• Get stock quotes and track portfolio information

Save time and money with free Bill Payer
With just a few clicks you can finally get rid of the hassles of writing checks, stuffing envelopes and buying stamps. You can pay anyone, anytime, anywhere!
> Sign up

Call-24 Phone Access

Get complete account information by phone anytime and any day with Call-24. You can check your account balances, transfer funds between accounts, verify checks cleared and more. Just call 800.NOW.CCCU (669.2228). Contact CCCU to sign up for your Personal Identification Number (PIN).

Free ATM Access

Did you know? Your CCCU Visa Check Card or ATM card gives you ATM withdrawals and balance inquiries with no fees from CCCU!* Use your CCCU Visa Check Card or ATM card at ATMs and point-of-sale terminals displaying these logos:

Use your CCCU Visa Check Card or ATM card to make deposits at participating deposit-taking ATMs in the CO-OP Network and STAR Shared Deposit Program. There is no surcharge for using CO-OP Network ATMs. For a CO-OP ATM near you, please call 888.SITE.COOP (888.748.3266) or visit www.co-opnetwork.org. For a STAR ATM locator, go to www.star.com.

CU Service Centers

CCCU is a member of the CU Service Centers network which includes over 1,600 locations nationwide. Most transactions that you would perform at CCCU can be handled at CU Service Centers locations. It's like having CCCU in your neighborhood. Available services include …

• Deposits and withdrawals
• Loan payments and loan advances
• Credit card cash advances
• And many more

For a complete listing of locations and hours of operation, call 888.CU SWIRL (287.9475) or visitwww.cuservicecenters.com.

Estate Planning

Although the word estate may suggest images of wealth, you don't have to be rich to have one. Whatever your financial situation, you'll leave an estate behind when you die.

The reason you write a will or create trusts is to be sure that the people or institutions you want to share in your estate will do so. Controlling what happens to your estate is also the reason you name certain beneficiaries on retirement savings plans, insurance policies, and other assets that are distributed directly at your death. All of these decisions come under the heading of estate planning.
But there's another aspect of estate planning that becomes increasingly important as your net worth increases: estate taxes, probate, and administrative fees. Taxes can take a sizable bite, and your estate could be tied up in probate for a considerable period. With the proper estate planning, these problems can be reduced or eliminated.

Christian Community Credit Union, through the broker/dealer services of Financial Network can arm you with the facts to make critical decisions about estate planning. Call 1.800.347.CCCU, ext. 127 for a free consultation.

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. Phone number 800.347.CCCU ext. 127.