ECL as low as 5.25% APR*
Buying Power! Getting what you need with an equity CreditLine!
With today's low interest rates, there's no better time than now to put the equity in your home to work for you and your family. You can use it for home improvements, bill consolidation, college funding, purchasing a vehicle or whatever you might need. An Equity CreditLine (ECL) gives you the flexibility to withdraw money as you need it. You only pay interest on the amount you use. Plus, CCCU now offers interest only payment options.

Put the equity in your home to work!
Simply call 1.800.347.CCCU.
*APR=Annual Percentage Rate effective 01/01/05 and is subject to change. 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 adjusted monthly with a minimum 3.50% APR* and a maximum 18.00% APR*. Estimated appraisal fee is $375. A one time membership fee of $5 will be added to your line of credit for new members opening an equity credit line as their only account with CCCU. A ¼% deduction if your Mortgage/1st Trust Deed is with CCCU.

Shopping for a low rate Home Loan?
You'll really feel at home with CCCU's Mortgage Loan Program!
No matter what your mortgage needs - purchasing, refinancing or home improvements, the place to start is with CCCU!
• No Processing Fees
• No Prepayment Penalties
• Significantly Lower Closing Costs

> View Mortgage Rates
Get the best deal on your home loan. Call Christian Community Credit Union today! 1.800.347.CCCU
*APR - Annual Percentage Rate. 3-year reprice/call option on 4.174% APR and 4.712% APR and are subject to increase or decrease. Loan rates and terms effective 01/01/05 and are subject to change without notice

The gift that everybody loves – the Visa Gift Card!
You can use CCCU's new Visa Gift Card for just about any occasion birthdays, anniversaries, weddings, graduations, kids in college, or a “just because” surprise gift! The Visa Gift Card can be used at over 2 million stores wherever Visa is accepted. You can even personalize your Visa Gift Card with your own message. If your Visa Gift Card is ever lost or stolen, it can easily be replaced.
> Order your Visa Gift Card

2005 Annual Meeting
Mark your calendar for the 48th Annual Meeting of CCCU on Saturday, March 12, 2005. The luncheon meeting will be held at the Radisson Resort/Knott's Berry Farm in Buena Park, CA.
For details, call 1.800.347.CCCU x210.

Get $5 when you switch to e-Statements!
That's right! You'll receive $5 when you sign up for e-Statements. With e-Statements you automatically get statements faster, you can print and save a copy on your computer. It's quick, and it's easy. Once you register, you'll receive an e-mail when your statements are ready for viewing.
> Sign Up

Your Complete guide to IRA is online!
Need to make an informed decision about Individual Retirement Accounts (IRAs)? With the IRA Service Center, you can learn all about IRAs, open an IRA, and make quick and easy transactions on existing IRAs.
> Visit the IRA Service Center

Five perfect things to do in January

1. Develop a net worth statement. Subtract your liabilities from your assets and begin the New Year knowing exactly where you stand financially.
2. Contribute the maximum to your retirement fund. Don't let all those pre-tax dollars go to waste!
3. Open an IRA account. Start now and you'll have all year to contribute the maximum – and $250 a month is a lot easier than $3,000 in December.
4. Teach your children about money. Discuss the difference between cash and credit, what expenses really cost, and how long it takes to earn $50. Next holiday season they may not be so quick to beg for an expensive gadget or designer jeans.
5. Review your budget. It's an essential annual event, and now is the ideal time to make changes that will affect the next twelve months.