CCCU's credit card program aids Pakistan earthquake victims 

Christian Community Credit Union presents a check for $25,000 to Mission Aviation Fellowship (MAF)) towards Pakistan earthquake relief. Pictured from left to right: John T. Walling, (CCCU President/ CEO); Kevin Swanson (MAF President); and Dennis Endert (CCCU Board of Directors Chairperson).

CCCU donated $25,000 to Mission Aviation Fellowship, an organization of aviation and communication specialists who work with Christian and humanitarian organizations worldwide. The credit union's donation, generated through “The Cards that Give to Missions & Ministries” credit card program, will be used to pay for emergency satellite communication and relief flights to Pakistan. In 2005, the credit union donated $220,000 to projects around the world through the credit card program, including more than $110,000 to disaster relief projects for Hurricane Katrina, the Asian Tsunami and the earthquake in Pakistan.

2006 Donation Goal: $230,000

> Details about “The Cards that Give to Missions & Ministries.

CCCU breaks ground for new headquarters 

	CCCU President/CEO John T. Walling (4th from left) is joined by board members at the groundbreaking ceremony for the future site of the corporate headquarters.

2006 annual meeting 

Mark your calendar for the 49th Annual Meeting of CCCU on Saturday, April 1, 2006. The luncheon meeting will be held at the Pacific Palms Conference Resort, City of Industry, CA.
For details, call 800.347.CCCU, ext. 210.

Your complete guide to IRAs is online!

Need to make an informed decision about Individual Retirement Accounts (IRAs)? Visit the IRA Service Center and learn all about IRAs, open an IRA, and make quick and easy transactions on existing IRAs.

Home Equity Line of Credit as low as 6.25% APR*

Buying power! Getting what you need with an Equity CreditLine!

There's no better time than now to put the equity in your home to work for you and your family. You can use it for home improvements, bill consolidation, college funding, purchasing a vehicle or whatever you might need. An Equity CreditLine (ECL) gives you the flexibility to withdraw money as you need it. You only pay interest on the amount you use. Put the equity in your home to work! Simply call 800.347.CCCU.

*APR = Annual Percentage Rate effective 12/12/05 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 $375. A one time membership fee of $5 will be added to your line of credit for new members opening a HELOC as their only account with CCCU. A ¼% deduction if your mortgage/1st Trust Deed is with CCCU.

Your money at work in the Christian community

Testimonies from churches and ministries

"It is because of the partnership between CCCU and our church that we can continue to reach children for Jesus Christ. Your loans helped facilitate our plans to expand and improve our ministry to children."
Keith Peterson, Minister of Finance
First Baptist Church of Stockton, California

"This was the first time I had ever dealt with the lending process as it pertains to the building of a church. From the beginning you were always optimistic and patient and I really felt you were partners with us in getting this church finished.”
Chris Hunt, Treasurer
Eastwind Community Church, Boise, Idaho

"The relationship between MAF and CCCU can only be described as a great partnership. What a joy to work with like-minded people in the work of the Kingdom. I know that your support of this ministry has gone far beyond what any of us imagined when the relationship was first formed. CCCU has been a blessing to MAF as an organization and to our staff in countless ways."
Kevin Swanson, President
Mission Aviation Fellowship, Redlands, California

IRAs - your key to financial security

CCCU, through the broker/dealer services of Financial Network, can help you in making decisions about Individual Retirement Accounts. IRAs offer you many advantages:

• Tax savings on some contributions
• Tax-deferred or tax-free growth
• No minimum contributions
• Future income during retirement
• An opportunity to maximize retirement earnings
• A wide range of investment choices
• Tax-free transfer to heirs upon death
• Plans to meet a variety of needs

There are many types of IRAs to meet a variety of needs and goals. Your financial consultant can help you determine which IRA alternative is best for you. For a free consultation, call 800.930.3642.

Some IRAs have contribution limitations and tax consequences for early withdrawals. Please consult your tax advisor or attorney for complete details. 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.

Your debt is out of control when...

1. You don't know how much you owe, and you'd rather not find out.
2. You use one credit card to pay off another.
3. You jump at credit card offers you receive in the mail, and you roll your balances over frequently.
4. You hide purchases from your spouse.
5. You are draining your savings or thinking of cashing out your IRA to pay your bills.

As a CCCU member, you have access to BALANCE, a free financial fitness program dedicated to help you achieve your financial goals. Call them at 888.456.2226 or visit balancepro.net.

Contact CCCU at 800.347.CCCU to talk about low-cost consolidation loans, low-interest balance transfers and budget strategies.

Balance is not an affiliate of CCCU.