CCCU offers $100 Visa Gift Card with low-rate home loans “The Cards that Give to Missions” surpass $2 million in donations. CCCU's “Cards that Give to Missions & Ministries” card program keeps on giving. Since 1994, CCCU has given over $2 million to missions and ministry projects. Congratulations and thanks to our CCCU members for using CCCU's credit and check cards! Plus, all CCCU credit cards now have no annual fees, platinum benefits, earns rewards and as always, gives to missions. 2006 Donation Goal: $230,000 Donation Update: $115,000 through June > Donation Details > Apply

CCCU making a difference Your money at work in building the kingdom When you place your deposits at CCCU, you're putting your money to good works. How? Your deposits are used to provide affordable loans to growing churches and ministries. Here are some of the churches where your money is loaned back for projects such as remodeling, refinancing, construction, purchase etc. Cold Springs Community Church, Placerville, CA - purchase for staff housing. Crossroads Community Church, La Habra, CA - refinance. First Baptist Church of Hanford, CA - worship center. Stockton Baptist Church, CA - church auditorium and worship center expansion. Trinity Baptist Church of Sunnymead, CA - worship center. “Working with CCCU has been a wonderful blessing. They made the entire process of financing our new building, and banking in general, very workable. CCCU is all about giving back to the ministry and expanding the Kingdom of God. Now that’s refreshing!” Pastor Dave Kelly, Associate Pastor New Life Foursquare Church, Canby OR

CCCU makes an impact in Africa through World Council of Credit Unions CCCU is making a difference worldwide. As a proud supporter of the World Council of Credit Unions (WOCCU) which develops credit unions worldwide and provides solutions to alleviate poverty, CCCU is helping poor families to improve their financial condition. Having lost his father at age three during Uganda's civil war, Godfrey Senoga dropped out of high school before completing building skills training. Godfrey began making garden tools for farmers and traders. With help from his credit union, Godfrey was able to start a household tools shop. With his personal growth and successful business, Godfrey has been elected youth leader of his village. His business is growing and so is his credit union savings. WOCCU has credit union development projects in 15 countries including Afghanistan, Bolivia, Rwanda and Uzbekistan. Through CCCU's support to the WOCCU, these credit union projects help activate social change by offering entrepreneurial opportunities, jumpstarting rural economies and helping economies recover after conflicts. > More information about World Council of Credit Unions

Let CCCU's home loans make your dream home a reality 6.00 / 6.232% APR*. Conventional Loans up to $650,000 6.25/ 6.301% APR*. Jumbo Loans up to $1,000,000 $100 Visa Gift Card** Plus, you'll get a 25% cash rebate from the agent's commission through CCCU's Real Estate Rebate Program. > Details *APR=Annual Percentage Rate, effective 06/30/06 and is subject to change without notice. For refinance loans with cash out, the maximum loan-to-value ratio is 75%. A 3-year reprice/call option on above rates applies and is subject to increase or decrease. All rates apply to single family dwellings that are owner-occupied. **$100 Visa Gift Card applies to mortgage loans funded by 12/31/06. Gift Card will be mailed within 20 days upon funding of loan.

Refer a new member, get $25 and a chance to win a 42” plasma TV. Share your credit union with those who share your faith. Between now and October 1, 2006, when you refer a member to CCCU, you'll be rewarded with $25 when they join and be entered in a drawing for a 42” plasma TV. To make a referral, tell your family and Christian friends to go to myCCCU.com/FamilyAndFriends. You can also call 800.347.CCCU. Refer someone today!

Plug spending leaks: how to save hundreds, one dollar at a time The path to savings is paved with pennies. It starts with awareness. Each time you make a purchase, consider the cost. Here are a few ideas to get you started: • Brown bag your lunch. $7 per day totals $140 a month. • Substitute water for juice. A family of four can save over $500 a year by cutting just one glass of juice per person per day. • Use coupons at grocery stores and buy house brands instead of name brands whenever possible. • Prepare meals in advance and freeze them to avoid the temptation of ordering pizza at the end of a long workday. • Cooking at home will make your food budget go much further. • Throw pocket change in a jar & cash it in when it's full. • Review your phone bill and drop unnecessary services like Caller ID and Call Forwarding. • Cut your cable television down to basic. • Hand wash your clothes at home or use a home dry clean kit instead of the cleaners. Saving money is a habit worth adopting. As a member of CCCU, you have access to BALANCE a financial fitness program. To speak to a counselor who can help you design a budget or pay off debt, call 888.456.2227 or visit: > balancepro.net/cccu. BALANCE is not an affiliate of CCCU.

Money matters from the Word “The wise man saves for the future, but the foolish man spends whatever he gets.” Proverbs 21:20 (LB)

Take control of your retirement With potentially 20-30 years of retirement ahead, and an ever-increasing cost of living, the income required to sustain an active lifestyle may be considerable. Whether your retirement seems miles away or is fast approaching, now is the time to get your plans into motion. Getting a good start on investing will enable you to establish a good pace and cover more ground. Tax-advantaged investment strategies can be the key to the security you're seeking. Whether you're looking to add tax-free or tax-deferred investments to your retirement plan, your financial consultant can help you determine which investments will help you work towards your goals. For more information, please call 800.930.3642 for a free consultation. INVESTMENTS ARE NOT NCUSIF OR NCUA INSURED/ MAY LOSE VALUE/ NOT A DEPOSIT/ NOT CREDIT UNION GUARANTEED/ 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.