Lower Rates! Home Loans as low as 4.625/4.948%APR*

Home Loans that’ll make you SMILE!

At Christian Community Credit Union, you'll feel right at home with our new lower Home Loan rates. Our Loan Specialists can help you choose from a variety of Home Loans to fit your budget.

• Lower loan rates and fees
• Convenient fixed-rate loans
• 3-5-7 year reprice loans

Lending with Integrity
We are driven by our mission, not by commission.
Our mission is to help you become a better steward and achieve your financial goals. You can count on us to meet your home loan needs with your best interest at heart.

Apply Today or call 800.347.CCCU ext. 4502.

*APR = Annual Percentage Rate. Mortgage Loan rates and terms effective 04/01/08 and are subject to change without notice. For refinance loans with cash out, the maximum loan-to-value ratio is 75%. 3-year reprice/call option on above rates and are subject to increase or decrease. All rates apply to single family dwellings that are owner occupied. One point and closing costs are associated with this loan.

“Your Money at Work Building God’s Kingdom” 

The Cause Community ChurchBrea, CA

Your deposits at the Credit Union make it possible for us to fund these Kingdom-building projects:

• The Cause Community Church, Brea, CA Purchase and remodel of church building
• Northside City Church, Charlotte, NC Refinance and purchase of multi-use property for a church and children’s program facility
  
• Forestview Church of God, Lewiston, NY Refinance

“Christian Community Credit Union gave us their best loan offer and ‘moved mountains’ to ensure the loan was completed. Their team provided exceptional service and understood the vision of our ministry. They were knowledgeable and extremely competent in addressing all our questions.”
Bob Reeve, Senior Pastor
The Cause Community Church, Brea, CA

“It’s amazing how God does direct our paths. Christian Community Credit Union financed the beginning of our dream and vision from God! Because our church and kids program are unique, it was great for us to work with the Credit Union. They worked hard and diligent to get us our loan! For us it was a miracle!”
Jerry Chadwick, Pastor
Joy Chadwick, Director, “Kids Going Bananas”
Children’s Program
Northside City Church, Charlotte, NC

Money Matters from the Word

“Tell those who are rich in this world not to be proud and not to trust in their money, which will soon be gone. But their trust should be in the living God, who richly gives us all we need for our enjoyment.”
1 Timothy 6:17 (NLT)

$40,000 in Scholarships

Need money for college? Our “Focused on the Future” scholarships are open to any member enrolled in an accredited college, university or seminary. Scholarships range from $500-$2,000. Applications are due June 13, 2008.
> More Information

College Planning Start with a winning game plan!

Although college may be more than a few seasons away, your child's future success depends on your actions today. Let a Financial Network Representative help you select from the many options available to help you give your child the high quality education they deserve.

• College savings options include:
• Section 529 College Savings Plans
• Coverdell Education Savings Accounts
• Savings Bonds
• Personal savings and Investments
• Custodial Accounts

Contact one of our dedicated Financial Network Representatives to help in developing a winning game plan for your child's future. Call 800.347.CCCU ext. 6127 or visit Financial Network.

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. 800.347.CCCU ext. 6127

2008 Donation Goal: $240,000

Amount raised as of February 2008: $40,000

Thanks to you, “The Cards that Give to Missions & Ministries” has surpassed $2.5 million in donations to date. Make Christian Community Credit Union's credit cards your card of choice! Together, we can give more to missions and ministries each year.

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

What the subprime hoopla means to you

Just a few years ago, everything seemed to be rosy in the world of real estate. Rates were amazingly low, and mortgages were amazingly easy to get. But with interest rates rising, some lenders who specialized in “subprime” loans are finding that their customers can't make their payments. What does this mean for you?

If you are shopping for a mortgage, you may find the requirements a bit more stringent than they have been in the past. You will need to prove that your income is adequate to cover the mortgage payment plus taxes and insurance.

If you are hoping to use an equity loan for your entire down payment, you may need to save your money instead. Unless your credit score is quite high, the popular 80/20 mortgages that require no out-of-pocket cash will be harder to get.

If you already have a mortgage, this might be a great time to refinance. Rates just dropped, and you can safeguard your monthly budget by locking in a fixed rate. Contact our Real Estate Loan Department to compare your options. We can run the numbers for you on various mortgage plans and recommend a loan that will fit your particular situation.

> Visit myCCCU.com/mortgage today!

Checking Rewards 

Nationwide access with a local touch

Christian Community Credit Union's Classic and Interest Checking Accounts give you rewards and more. When you choose a “credit” or “signature-based” transaction using your Visa Check Card, you'll earn one point for every $2 in purchases and you give to missions. And, you can combine your Visa Check Card points with your Platinum Rewards Visa or MasterCard points. That's twice the opportunity to earn your valuable CURewards for airfare (no blackout dates), hotels, cruises, electronics and more!

Choose “credit,” give to missions and reward yourself!
> Open a Checking Account today!

You have goals and dreams

Will you have the money?

Get your money working toward your goals and future without sacrificing the present with MoneyMixTM: Launch Your Life. It's a free collection of financial tools and articles geared specifically for the opportunities and challenges young adults face today. You can even discuss ideas and issues with peers on our interactive blog. Topics include: 

• Budgeting that matches your priorities
• Savings plans that work
• Making use not abuse of credit

> Take advantage of MoneyMix^TM and unlock your potential.

Home Equity Line of Credit as low as 5.25% APR

The rate above reflects a 1/4% deduction if your mortgage/1st Trust Deed is with the Credit Union. Equity Credit Line is only available in the following states: Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Idaho, Illinois, Kansas, Louisiana, Iowa, Maine, Massachusetts, Michigan, Montana, Nebraska, New Hampshire, New Mexico, North Carolina, Oklahoma, Ohio, Oregon, Tennessee, Utah, Virginia, Vermont,Washington, Wyoming, Pennsylvania. This is a line of credit secured by the equity in your home. The interest rate is variable and is based on the Wall Street Journal prime rate. The rate is adjustable monthly with a minimum interest rate of 3.50% APR and a maximum interest rate of 18.00% APR. Fees associated with this loan: appraisal fee and t itle fee - varies (estimated appraisal fee $400); additional fees approximately $300. One time membership fee of $5 will be added to your loan for new loan only members. Loan rates and terms effective 03/19/08 and are subject to change without notice.

Foreclosure Prevention

If you have missed mortgage payments or think you will miss future payments, you may find yourself in danger of foreclosure. It’s important to understand, however, that lenders do not want to "repossess" your home - they are much more interested in seeing that payments are made each month as agreed in the mortgage terms. As a general rule, lenders only begin the foreclosure process when all else fails.

Therefore, the best way to avoid foreclosure (besides making all your payments) is to address the issue as soon as it occurs and to keep the lender informed at all times. Contact BALANCE, our free Financial Fitness Program, to speak with a counselor who can help you understand your options.Call 888.456.2227 or visit BALANCE