Your Money is Safe, Sound and Invested in a God-Honoring Way
In light of the current crisis in the financial markets, it is important for you to know that the finances of Christian Community Credit Union are in good shape. The Credit Union was not involved in sub-prime lending. We are thankful that God continues to guide and protect us. The careful investment of funds into the lives and ministries that comprise the membership of Christian Community Credit Union has provided us a great deal of protection. Over the years, we have had to face very few foreclosures. As of 09/30/08, our capital ratio is 10.28% which is considered "well capitalized." Our net income for the year is positive and healthy. It is well above the average for state chartered credit unions in California.

We're a member-owned cooperative
The Credit Union is a member-owned, not-for-profit financial cooperative. We exist to serve our members - not profit from them. And because the Credit Union does not issue stocks, our value does not depend on the rise or fall of the stock market.

A safe place for savings
The account insurance coverage at the Credit Union is higher than at most banks. Each account in the Credit Union is privately insured up to $250,000 by American Share Insurance. Your money is safe.

At Christian Community Credit Union, we have a strong capital base. Though it is a tough time for other financial institutions, we are posting positive earnings. We have low loan losses and we pay good rates. Recently, we've increased the rates on our certificates. Most importantly, your money is invested in a God-honoring way.

Call us at 800.347.CCCU for more information.

> Read our September 2008 Financials
> View facts about your insured funds
> Read article "Christian Financial World Sees Silver Lining in Banking Mess" from
   "Christianity Today" magazine