CCCU President/CEO John T. Walling (center) is joined by Stan Wahl (left) SBCU President and David L. Smith (right) SBCU Chairman of the Board at SBCU's Annual Meeting in February.

Southern Baptist Credit Union merges with CCCU

CCCU continues to expand its horizon. On March 31, 2006, Southern Baptist Credit Union (SBCU) merged with CCCU giving SBCU members access to more financial services and offering greater convenience. “We wanted to serve the financial needs of Southern Baptist churches and their members, but were not large enough to do all that needed to be done. We needed to join forces with a larger credit union,” said Stan Wahl, SBCU President. “CCCU has generously allowed us to join with them in this effort. Now our members will have access to CCCU's loan and savings programs. We're excited to be part of the CCCU family.” CCCU has retained the branch in Brea, CA which was formerly SBCU. The Brea branch of CCCU opened for business on April 3, 2006 and is part of the CU Service Centers® shared branch network. With $9 million in assets, SBCU had 1,336 members and served Southern Baptist churches and their members since 1960.

CCCU offers $100 Visa Gift Card with low-rate home loans

Whether you're a first-time home buyer or looking to refinance an existing loan, CCCU has a low-rate mortgage that fits your needs and budget! You'll find the best rate right here at CCCU. And, when your loan is funded, you'll get a $100 Visa Gift Card*.

Rates as low as…
4.75 / 5.135% APR** Conventional Loans up to $650,000
5.00/ 5.236% APR**  Jumbo Loans up to $1,000,000.

NO Prepayment Penalties • Lower Closing Costs
Get pre-approved! Find out exactly what you can afford before you shop for your new home. Best of all, if you use the Real Estate Rebate Program to buy or sell a home, you'll get a 25% CASH REBATE from the agent's commission along with the professional services of using a real estate agent.

Get the best deal on your home loan today!

*$100 Visa Gift Card applies to Mortgage Loans funded by 12/31/06. Gift Card will be mailed within 15 days upon funding of loan.
**APR=Annual Percentage Rate, effective 03/31/06 and is subject to change without notice. For Refinance Loans with cash out, the maximum loan-to-value ratio is 75%. A 3-year reprice/call option on above rates applies and is subject to increase or decrease. All rates apply to single family dwellings that are owner-occupied.

The card that keeps on giving

Over $1.8 million given to date

Donation Update: $42,833 as of February 2006. 2006 Donation Goal: $230,000

Good news! Now you can earn DOUBLE CURewards points* for donations to churches and most ministries using your CCCU credit card. You can use your CURewards points for travel and merchandise.

*Double CURewards points on CCCU Visa effective immediately; MasterCard effective 05/01/06.

CCCU offers $30,000 in scholarships

Need money for college? CCCU's $30,000 “Focused on the Future” Scholarships is open to any CCCU member enrolled in an accredited college, university or seminary. Scholarships range from $500 - $2,000. Applications are due June 30, 2006.

FREE Bill Payer; $10 sign up bonus*

Pay your bills the easy way with CCCU's free online
Bill Payer. No checks. No stamps. No worries. Bill Payer is safe and secure. No more checks lost or stolen in the mail. Plus, get $10 when you sign up for Bill Payer.

*To receive $10, you must sign up and use Bill Payer before December 31, 2006. Amount will be deposited to your account within 45 days after you pay your first bill.

Steer your investments toward success

Are you starting an investment plan or looking for a new course of action? Your Financial Network consultant can help set you in the right direction. Focusing on your unique needs with a personalized approach, your dedicated Financial Network consultant will work with you to devise an investment plan.

• Balance: maximizing your return while considering
• your objectives, time horizon & risk tolerance
• Diversification: spreading your assets among a range of investments
• Tax-deferral: maximizing growth using investments with earnings that are tax-deferred until withdrawn during retirement
• Small business planning: special strategies and investment services for the self-employed or small business

For more information, please call 800.930.3642 for a free consultation.

INVESTMENTS ARE NOT NCUSIF OR NCUA INSURED/ MAY LOSE VALUE/ NOT A DEPOSIT/ NO CREDIT UNION GUARANTEE/ NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. Securities offered through Financial Network Investment Corporation. Member SIPC. Financial Network is not affiliated with Christian Community Credit Union, 101 S. Barranca Ave., Covina, CA 91723.

More convenient account access. 

Surcharge-free ATMS now at 7-Elevens

CO-OP Network, the largest credit union network of surcharge-free ATMs, now offers CCCU members surcharge-free ATM access at over 5,300 7-Eleven stores in 30 states. CO-OP also has over 25,000 surcharge-free ATMs throughout the U.S. and Canada. For a CO-OP ATM locator, call 888.SITE.COOP [748.3266] or visit co-opnetwork.org.

You can also access your accounts at participating CU Service Centers®. It's like having CCCU in your own neighborhood! To find the nearest CU Service Centers® location, call 888.CU.SWIRL [287.9475] or visit cuswirl.com.

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 2005, 100% of your deposits were loaned back to members of the credit union family: pastors, church members, family members, churches and ministries.