Give 'em Something That'll Last a Lifetime... Give 'em a Credit Union Membership 4% APY Smart Start Certificate1 (For 12 months. $500 minimum - $2,500 maximum) Smart Start Savings Account2 ($100 minimum. Tiered rates for higher yield.)

Give your child, grandchild or young family member a head start in saving for the future. Open a Smart Start Certificate or a Smart Start Savings Account and give the gift that lasts a lifetime - a Christian Community Credit Union membership. As our way of saying “thank you,” we'll send you a free book, Financial Parenting. This book discusses how biblical money principles can be taught to children ages five to fifteen. We’ll also include a gift for the minor - a VeggieTales Book & CD (age newborn to 8) or a Praise music CD (age 9-17).





Smart Start Certificate and Smart Start Savings accounts are CUTMA (California Uniform Transfers to Minors Act) accounts that are irrevocable custodial accounts held for the benefit of a minor. The custodian of the minor must be a member of Christian Community Credit Union. APY = Annual Percentage Yield assumes that dividends remain in the account until maturity. 1. The Smart Start Certificate earns 4.00% APY for 12 months on a minimum balance of $500 and a maximum balance of $2,500. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawal from certificates. The rate of 4.00% APY for 12 months is effective for accounts opened between 06/01/08 and 10/15/08. One certificate account per minor only. 2. The Smart Start Savings Account is tiered for higher yield. Amounts of $100 to $999 earns .75% APY; $1,000 to $9,999 earns .85% APY; $10,000 to $24,999 earns .90% APY; $25,000 and over earns 1.00% APY. Rates are subject to change without notice. Promotion ends 10/15/08. Christian Community Credit Union is privately insured by American Share Insurance up to $250,000 per account. This institution is not federally insured or insured by any state government.