Interest Checking $100 minimum deposit to open Rate APY For balances of $750 or more .24% .25%

Advantage Savings Account / Smart Start Savings Account $100 minimum deposit to open Rate APY $0 - $999 .75% .75% $1,000 - $9,999 .85% .85% $10,000 - $24,999 .89% .90% $25,000 and over .99% 1.00%

Money Market (Regular and IRA) $1,000 minimum deposit to open Rate APY $0 - $9,999 1.29% 1.30% $10,000 - $49,999 1.73% 1.75% $50,000 - $99,999 1.73% 1.75% $100,000 - $249,999 1.83% 1.85% $250,000 & Over 1.93% 1.95% Variable rate account with easy access and maximum liquidity. Unlimited withdrawals from the account, if made by mail or in person if payments are made directly to you. Withdrawals or transfers made by mail or in person and payable to a third party are limited to six per calendar month (3 can be by check). There is an $8 monthly fee on all Money Market Accounts when the daily balance falls below $1,000 at any time during the month.

Premium Money Market (Regular and IRA) $25,000 minimum deposit to open Rate APY $0 - $24,999 2.03% 2.05% $25,000 - $99,999 2.13% 2.15% $100,000 - $249,999 2.18% 2.20% $250,000 - $999,999 2.23% 2.25% $1,000,000 and over 2.27% 2.30% Variable rate account with easy access and maximum liquidity. Unlimited withdrawals from the account, if made by mail or in person if payments are made directly to you. Withdrawals or transfers made by mail or in person and payable to a third party are limited to six per calendar month. There is no check writing on this account. There is a $12 monthly fee on the Premium Money Market Account when the daily balance falls below $25,000 at any time during the month.

Church Builder Certificate New Money Only: $10,000 minimum • $250,000 maximum Rate: 3.68% APY: 3.75% Term: 9 months New money is money that is not already on deposit at Christian Community Credit Union. Offer is for funds deposited or transferred from non-Christian Community Credit Union accounts only. Funds on deposit can not be withdrawn and re-deposited in order to obtain a Church Builder Certificate with new money only. The Credit Union reserves the right to make the sole judgment as to whether or not the deposited funds are considered new money.

Term Share Certificates (Regular and IRA) Step Up Option: If standard rates increase you can STEP UP your rate once during the term. This option is available on certificates with terms of 12 months or more. $1,000 minimum $10,000 minimum $20,000 minimum $100,000 minimum Term Rate APY Rate APY Rate APY Rate APY 6 - 11 Months 2.86% 2.90% 2.91% 2.95% 2.91% 2.95% 2.91% 2.95% 12 - 23 Months 2.86% 2.90% 2.91% 2.95% 2.91% 2.95% 2.91% 2.95% 24 - 35 Months 2.96% 3.00% 3.00% 3.05% 3.00% 3.05% 3.00% 3.05% 36 - 47 Months 2.96% 3.00% 3.00% 3.05% 3.00% 3.05% 3.00% 3.05% 48 - 59 Months 3.15% 3.20% 3.20% 3.25% 3.20% 3.25% 3.20% 3.25% 60 Months 3.25% 3.30% 3.30% 3.35% 3.30% 3.35% 3.20% 3.35% APY = Annual Percentage Yield assumes that dividends remain in the account until maturity, a withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from certificates. Jumbo rates are subject to change daily.

New and used Car Loans as low as 5.75% APR This is a fixed rate loan and down payment. To qualify for this rate, you must be a new member who joined within the last 6 months with a credit score of 680 or higher. A 1/4% new member discount has been applied to this rate. Auto loan payments must be made by automatic withdrawal from a Christian Community Credit Union checking account. A one time $5 membership fee will be added to your loan for new loan only members.

Big Ticket Loans as low as 9.90% APR This is a fixed rate loan based on approved credit. A one time $5 membership fee will be added to your loan for new loan only members. Rate effective 1/1/08 - 6/30/08.

Personal Credit Line as low as 8.30% APR This is an open-end line of credit with payments of 3.5% of the outstanding balance. Rates are variable and tied to the 26-week T-Bill with a maximum APR of 18%. A one time $5 membership fee will be added to your loan for new loan only members.

Shared Secured Loans as low as 4.00% APR This is a fixed-rate loan at 3% above the highest variable-rate paid on our savings account. 1.00% APY currently paid on Savings Accounts. Subject to change without notice. A one time $5 membership fee will be added to your loan for new loan only members.

Student Loans Stafford Loans as low as 6.80% APR Parental (PLUS) Loans as low as 8.50% APR A one time $5 membership fee will be added to your loan for new loan only members.

Home Equity CreditLine Standard Variable Rate Maximum Loan-to-Value Minimum/Maximum Loan Amount 4.50% APR 80% $5,000 - $500,000 5.00% APR 90% $5,000 - $500,000 Get a 1/4% discount if your mortgage/1st Trust Deed is with CCCU. 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 APR of 3.50% and a maximum APR of 18.00%. Fees associated with this loan: Appraisal fee and title fee - varies; additional fees approximately $300; sufficient fire insurance is required and flood insurance if required. One time membership fee of $5 will be added to your loan for new loan only members.

Mortgage - Real Estate Loans  (Reprice Loans) Rates Just Dropped!  LTV 80% up to $829,750 No points 4.875/5.118% APR  LTV 80% up to $829,750 0.50 point 4.625/4.906% APR  LTV 80% up to $829,750 1.00 point 4.375/4.694% APR          LTV 89% up to $650,000 No points 6.000/6.306% APR  LTV 89% up to $650,000 1 point 5.750/6.141% APR    LTV 80% up to $1,000,000 No points 5.250/5.298% APR  LTV 80% up to $1,000,000 .50 point 5.125/5.217% APR  LTV 80% up to $1,000,000 1.00 point 5.000/5.135% APR For refinance loans with cash out, the maximum loan-to-value ratio is 75%. Closing cost associated with this loan. 3-year reprice/call option on above rates and are subject to increase or decrease.A one time $5 membership fee will be added to your loan for new loan only members.

Rates Effective 05/09/08
APR = Annual Percentage Rate
APY = Annual Percentage Yield assumes that dividends remain in the account until maturity, a withdrawal may reduce earnings.
Rate changes are solely within the discretion of the Board of Directors and subject to change without notice. Variable rates are subject to change after the account is opened and are accurate as of the last dividend declaration period. Dividends are compounded daily and will be credited monthly on all dividend bearing accounts. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. Fees or other conditions could reduce earnings.