Bank with Your Values.
Bank with Christian Community Credit Union.
Finally, a Credit Union where your faith matters.
Join thousands of Christian families across the U.S. who are rising up in the “big bank exodus” and finding a new home at Christian Community Credit Union (CCCU).
As America’s #1 Biblical banking solution, we’re honored to offer full-service digital banking designed to help your family live and give more abundantly.
Find the Right Product for You
Get Started Below!
Free Checking
Welcome to Totally Free Checking
We don’t have a minimum balance and we don’t charge monthly service fees. Plus, you can get to your account 24/7!
- $100 minimum to open
- No minimum balance1
- No monthly service fee
Gives to Missions Business Rewards
Pay with a Purpose and Earn Rewards
Every time you use the “Gives to Missions” Visa® Business Rewards credit card, you’re supporting Christian causes. A portion of every dollar spent is donated to missions and ministry projects. Over $6.5 million has been donated to date! Plus, earn CURewards points towards travel, merchandise, and more.
- Earn 1 CURewards Points* for every $1 spent1
- Get $300 when you spend $3,000 in the first 3 months2
- No annual fee
- Business Hotel Savings
- Corporate Liability Waiver
MyAdvantage Loan
A low-rate, fixed-term personal loan with zero fees, you can use to consolidate debt, make home repairs, pay medical bills, and more! As low as 8.99% APR*.
- Get pre-approved in less than 90 seconds with no impact to your credit score
- Loans from $2,500 up to $50,000
- Terms of up to 60 months
- Zero origination fees. Zero prepayment fees.
Ministry Welcome Certificates
4.50% APY* – 5 Months
4.25% APY* – 10 Months
Jump start your ministry’s savings account and earn our highest yield on savings as our way of saying thank you for being part of our CCCU family!
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- Up to $250,000 ($500 minimum to open)
- One Ministry Welcome Certificate per member
- New money only‡
New & Used Vehicle Loans
Looking for a new car, truck, SUV, RV, or pre-owned vehicle? Get pre-approved in 90 seconds and see how much you can save!
- Rates as low as 6.99% APR1
- Finance up to 135% of the car’s value 2 for up to 84 months
- 0.25% discount for new members OR for using automatic payments from a CCCU Checking Account
Cash Rewards Visa
1.5% Cash Back. Every Purchase. Every Day.
With the Cash Rewards Visa, you earn unlimited 1.5% cash back with every purchase. Plus, get $200 when you spend $750 in the first 3 months! That’s not all. Every time you swipe your card, a portion of your purchase goes towards supporting Christian charities.
- 0% APR Introductory Rate & Balance Transfer Rate for 6 months1
- 1.5% Cash Back on every purchase2
- Get $200 when you spend $750 in the first 3 months3
- No annual fee
Top Picks to Help You Save, Earn, & Give
Harvest High-Yield Checking1
Enjoy earning an incredible high-interest rate of 4.00% APY*. Plus, your money is put to work in financing church and ministries for growth and expansion.
- Earn 4.00% APY* on balances up to $5,0001,2
- No minimum balance1
- No monthly service fee
- One Harvest Checking account per member
- A portion of every dollar spent using your Visa debit card3 goes to ministries & missions
To qualify for the high-yield rate APY* rate, you must:
- Enroll in eStatements
- Register & use Online/Mobile Banking
- Have an active CCCU Debit and Credit Card
- Make $500 in monthly deposits
Cash Rewards Visa®
Earn unlimited 1.5% cash back on every purchase, every day. Plus, for every dollar in purchases using the card, a portion goes to Christian charities.
- 1.5% Cash Back on Every Purchase1
- Get $200 when you spend $750 in the first 3 months2
- 0% APR* Intro & Balance Transfer Rate for the first 6 months3
- No Annual Fee
Why CCCU?
We are Unapologetically Christian
Not just in name but in the way we do business. Our Board and executive team follow sound principles rooted in scripture.
We Finance for Gospel Impact
When you bank with CCCU, your money is used to finance church & ministry growth. Plus, we donate to Christian charities that work to Spread the Gospel!
We’re Member- Driven
At CCCU, you’re both a member & owner. As such, not only are we committed to providing you with God-honoring service, profits are returned to you in the form of better rates & fees.
We are in your Neighborhood
We’re part of the Co-op Network with 30,000+ Surcharge-Free ATMs & over 5,600 Shared Branches nationwide.
Switching to CCCU is Simple
A Resource Guide to Make the Switch
Want to take the next step but not sure how to start? Download our switch kit to make the transition easier. Bank with your values and start the switch process today!
Resources
Stronger Together: How Your Membership Helps Ministries & Churches Grow
Christian Community Credit Union (CCCU) is a truly unique banking experience because every member is unified as believers in supporting goals that help advance God’s Kingdom, such as spreading the…
Does Your Bank Align With Your Values?
One of the most powerful ways we can use money is to align all manner of financial decisions with what matters to us most of all—our faith. That includes the…
Open a Custodial Account for Your Child, Part 1
As soon as your kids have any money flowing into their lives, teach them to prioritize giving and saving ahead of spending. When they’re super young, a three-slotted piggy bank…
“Big Banks” In the News
Bank of America closes accounts tied to Christian outreach ministry.
Discover CEO’s sudden exit follows a wave of compliance issues.
Bank of America to pay $250 million for illegal fees, fake accounts.
Terms & Conditions
Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 06/30/2025 and are subject to change without notice. Fees may reduce earnings.
1. No minimum balance required after required $100 opening deposit. Higher-yield APY will be paid on maximum balance of $5,000. Balances in excess of $5,000 will earn the lower dividend rate of 0.05%.
2. Qualification criteria for higher APY: 1) You must register for e-statements 2) Have an active online banking 3) Have an activated Christian Community Credit Union (CCCU) debit card and a CCCU credit card AND 4) $500 in accumulated deposits during the month.
3. Applies to Visa debit signature-based transactions.
Membership Eligibility is required. New and converted accounts will receive the higher APY for at least the first dividend cycle. After that, if you do not meet all of the qualification criteria, the account will earn the lower dividend rate 0.05%. Fees may reduce earnings. Limit: One Harvest Checking account per Member.
Cash Rewards: * Interest Rates and Fees▸ (APR=Annual Percentage Rate)
Visa®/MasterCard Credit Card Agreement▸
Visa® Secured Credit Card Agreement▸
Eligibility to apply for the Cash Rewards Visa® is based on your affiliation with a qualifying Christian church, ministry, or school.
*APR=Annual Percentage Rate. Rates and terms effective 06/30/2025 and are subject to change without notice.
1) 1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account.
2) To qualify for the $200 cash rewards bonus, a total of at least $750 in net purchases (purchases minus returns/credits) must post to your account within three months from the date your account is opened.
3) 0% Introductory APR on purchases for 6 months, then a variable APR of 19.24% – 33.24% based upon your creditworthiness. 0% Balance Transfer APR for six months when balances are transferred during the first 60 days of account open date, then the variable APR of 19.24% – 33.24% based upon your creditworthiness. Balance Transfer Fee is 3% of the amount transferred with a $15 minimum.