Chuck Hughes,
Long-Time Board Member Passed Away

It is with heartfelt sadness that we share the news of the passing of long-time and devoted board member, Rev. Charles T. “Chuck” Hughes, Jr. Chuck went home to be with the Lord on May 2, 2011. He is survived by his wife, Margie, their four children, seven grandchildren, a sister and a brother. At the age of 40, Chuck became a member of the Credit Union's Board of Directors and served continuously for 44 years. He was elected Chairman six times and also served as Vice-Chairman, Secretary and Treasurer. A true visionary, he was instrumental in expanding many of the Credit Union's products and services we presently offer.

“Chuck's leadership brought the Credit Union to where it is today. I thank God for his life and his service to the Credit Union through the years,” said John Walling, Christian Community Credit Union President/CEO. In his memory, the family has created the Charles T. Hughes, Jr. Child Evangelism Fund. For contributions, please make checks payable to Portico Church, 701 W. Broadway, Anaheim CA 92805. Please keep the Hughes family in your thoughts and prayers during this difficult time.   

BALANCE
Your Free Credit Report
Regularly checking your credit report enables you to keep track of your debts as well as check for errors and identity theft. Under federal law, you are entitled to a free copy of your credit report from each of the three credit bureaus, Equifax, Experian, and TransUnion, once every 12 months. To obtain your reports, contact the Annual Credit Report Request Service (annualcreditreport.com, 877.322.8228).

Not sure how to read your credit report? Interested in building a stronger credit history?
Contact BALANCE, a free financial education and counseling service.
Call 888.456.2227 or visit balancepro.net/partners/cccu 
 

Wake Up and Smell the Savings
Bring your high-rate loans from other lenders to the Credit Union
and we'll save you $$$!

Like a fresh cup of coffee, our lower loan rates will give you the sweet-smelling aroma of savings. Got loan balances elsewhere that are giving you high rates and sleepless nights? Move them to Christian Community Credit Union for a lower rate and some peace of mind.

Plus, upon approval of your loan balance transfer/s, get a FREE Travel Mug and a pound of fresh roasted Arabica coffee from Lanna Café, a community development project in Thailand supported by the Credit Union.
 

Saving you money is our cup of joe! Contact the Credit Union today and give us your loan!
Call 800.347.CCCU (2228), ext. 4655 or visit myCCCU.com/loantransfer.

Truth in Lending Terms and Disclosures
APR = Annual Percentage Rate. Rates and terms effective 06/22/2011 and are subject to change without notice.
1. Auto loans offered at fixed rates from 3.99% to 11.25% APR. Rates based on $10,000 and over, 80%-100% financing. APRs depend on factors including creditworthiness, ability to pay, loan amount, collateral, down payment and terms. Some rates based on CCCU checking account auto payment. Monthly payment on $10,000 financing for 60 months at 3.99% APR would be $184.12. For new auto loan members only, a one time $5.00 membership fee will be added to your auto loan. 3.99% APR does not apply to refinancing a Christian Community Credit Union existing auto loan.
2. For new home purchase loans, the maximum loan-to-value ratio is 80% based on appraised value. For refinance loans with cash out, the maximum loan-to-value ratio is 75% based on appraised value. All rates apply to single family dwellings that are owner occupied. The amortized 30 year Adjustable Rate Mortgage Loan program has a fixed APR for the initial 3 year term and the amortized 15 year Adjustable Rate Mortgage Loan program has a fixed APR for the initial 5 year term. At the end of the initial 3 or 5 year term the loan will reprice to the prevailing APR. The APR may increase or decrease. The APR is based on loan amounts up to $417,000.00. The loan may be refinanced at any time. Loan Approval is subject to credit, income and property appraisal.
3. Balance Transfer 3.90% introductory APR for 12 months when balances are transferred during the first 60 days of account open date. Thereafter 10.90% to 16.90% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Balance transfer fee of 2% of the amount transferred with a $5.00 minimum. Cash Advance fee of 2% of the amount advanced with a $5.00 minimum. Foreign Transaction fee of 1% of transaction amount. If you are a new credit card member, 0% introductory APR for purchases during the first six months. If you are a new credit card member only, a one time $5.00 membership fee will be charged to your credit card account. Balance transfer does not apply to Christian Community Credit Union credit cards and loans. Minimum balance transfer of $1,000.00 to receive Premium Coffee.
*One pound of coffee per member with balance transfer/s of your auto, home, or credit card loans. Coffee will be shipped within 10 business days upon loan balance transfer approval. Limited-time offer.
 

The Credit Union's 2011 “Focused on the Future” Scholarship Program recently awarded $31,000 in student scholarships to 32 students. Recipients were selected based on their essay, academic excellence, extra-curricular activities and references. Congratulations to our
scholarship recipients!

Image above: Luke Harmon and Sarah O'Dell, both attending Azusa Pacific University, receive a $1,000 scholarship award from Christian Community Credit Union.

The money you deposit into your accounts helps provide affordable financing to churches for building or expanding worship facilities or purchasing property. These loans make it possible for them to better serve their members and communities.
Your deposits at the Credit Union help us fund these Kingdom-building projects:

South Sound Foursquare, Tumwater, WA  (Refinance)
“As a small ministry with an even smaller staff, Christian Community Credit Union made refinancing a loan easy. We are extremely busy ministering to our church members and helping within our community. It is difficult to take time out of our busy schedule to do something as involved as refinancing our loan, even though it was necessary. The staff at the Credit Union helped us reduce our rate and our payment with relative ease. We are grateful to have had such a positive experience.” 
- Brad Morrill, South Sound Foursquare, Tumwater, WA

Arnold South-County Baptist Tabernacle, Arnold, MO  (Refinance)
“The experience has been excellent.”  -James, R. Beller, Pastor, Arnold, MO

Living Beyond your Savings
Have you ever worried about living beyond your savings, or being able to afford vacations and medical expenses after retirement? How much income will you need for a comfortable retirement? Where will it come from?

A qualified retirement plan can help create the additional retirement income you need, if the plan assets are carefully invested. At Christian Community Credit Union's Wealth Solutions Group, we think investment programs make sense for your future.

We're committed to help you achieve your financial goals and make your future easier.  
For a free phone consultation, call 800.930.3642, ext. 6127 
 
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.CCCUess

Missions Donation Update:
Over $3 Million Give to Date!
 

Thanks to you,“The Cards that Give to Missions” has reached over $3 million in donations since the credit card program began. Keep using your Christian Community Credit Union credit and debit cards.
2011 donation goal is $200,000!

• Donations support economic development, education, evangelism and theological education in Brazil, El Salvador, Costa Rica and Mexico. 
• MAF card donations help with ministry work in remote areas around the world: delivering Bibles, transporting doctors and medical supplies, supporting the work of missionaries and Bible translators. 

If you don’t have our card, apply for one today!
Call 800.347.CCCU or visit myCCCU.com/cards

Credit Union Student Choice
A good way to pay for college
Christian Community Credit Union offers the Credit Union Student Choice private loan solution to help you fill education funding gaps. When federal aid just isn't enough, we can help!

Benefits include:
•  No origination or pre-payment fees
•  Extremely competitive rates
•  Flexible repayment options
•  Easy online application and 24/7 call center services
•  Convenient line-of-credit that helps you secure financing for your entire college career.*

Apply today! Visit myCCCU.studentchoice.org or call 866.464.9193 to learn more.

* Subject to credit qualifications and annual credit review. Applies to undergraduates only.