Welcome to Christian Banking
Finally, a full-service digital bank that cares for your financial health and is committed to advancing the Gospel around the world!
Grow your money with our high-yield Harvest Checking and Harvest Savings accounts. Earn a exceptional rates while your money is used to support church and ministry growth!
Find the Right Product for You
Get Started Below!
Visa® Business Credit Card
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
Business Interest Checking
This Checking Account earns interest!
Earn more for your business when you keep a $1,500 daily balance.
- Earns interest2 when daily balance is $1,500 or more
- No monthly service fee1 with Direct Deposit or $1,500 minimum daily balance
- Unlimited deposit & check writing
- Convenient deposit locations nationwide3
Ministry Share Secured Loans
Looking for a flexible loan with zero points and fees for a short-term goal?
Our Share Secured Loans can be the answer when you borrow against your existing deposit funds at the Credit Union.
- Secured loan
- Zero points & No fees*
- Amortized up to 10 years*
- Amount Financed: 100% of Savings Accounts / 90% of Certificate of Deposits (CD)*
- Continue to earn dividends on Savings/CD accounts during the term of the loan
- No pre-payment penalties
Ministry Lines of Credit
Weather the seasonal cash flow ups and downs of ministry.
Our Ministry Line of Credit can help you with short-term capital needs or when there’s a dip in cash flow.
- Secured and unsecured loan options available
- Competitive variable rates
- Zero points
- Terms of up to 5 years if secured, annual if unsecured*
- No pre-payment penalties
Ministry Real Estate Loans
From buying a new property or refinancing your current loan, we can help finance your project.
As a leader in ministry lending, we understand the unique needs of various ministries including churches, Christian schools or colleges, and para-ministry organizations.
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- Ministry loans as low as 5.84%*
- Loans available for new purchase, construction, remodel, and refinance
- CCCU has funded over $1 Billion in ministry real estate loans
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
Top Picks to Help You Save, Earn, & Give
Harvest High-Yield Checking1
- Earn an impressive 4.00% APY* high rate on balances up to $5,000.a Qualifications apply.b
- No minimum balancea or monthly service fee
- A portion of every dollar spent using your Visa debit cardc goes to ministries & missions
Harvest High-Yield Savings
- Earn 5.00% APY* high-dividend rate on balances up to $5,000.a Variable-tiered rate, thereafter (see below).
- $100 minimum to open and no monthly feeb
- Immediate access to funds
- Must register & use Online/Mobile Banking
| Tier | Interest Rate |
|---|---|
| $0-$5,000 | 5.00% APY* |
| $5,000.01-$10,000 | 2.25% APY* |
| $10,000.01+ | 0.10% APY* |
Cash Rewards Visa®
- Get 1.5% Cash Back on every purchasea
- Get $200 when you spend $750 in the first 3 monthsb
- 0% APR* intro & balance transfer rate for the first 6 monthsc
- No annual fee
- Every swipe gives to Christian charities!
c) After introductory 6 months, then a variable APR of 18.74% – 32.74% 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 18.74% – 32.74% based upon your creditworthiness.
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.
Terms & Conditions
1. Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 12/18/2025 and are subject to change without notice. Fees may reduce earnings. (a) 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%. (b) 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 associated to your Harvest Checking account or CCCU credit card AND 4) $500 in accumulated deposits during the month. Transfers must be external and cannot be from another Christian Community Credit Union account. (c) 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.
2. Harvest Savings: APY = Annual Percentage Yield. APYs are accurate as of 12/18/2025 and are subject to change without notice. (a) Tiered -based savings account. 5.00% APY will be paid on balances up to $5,000. Balances between $5,000.01-$10,000 will earn the lower dividend rate of 2.25% APY. Balances $10,000.01+ will earn the dividend rate of 0.10% APY. Fees may reduce earnings. (b) $100 minimum to open. There is a $5.00 monthly service fee if the balance falls below $100.00. No fee for Custodian Accounts under age 18. One Harvest Savings account per member.
3. 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 12/18/2025 and are subject to change without notice.
(a) 1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account.
(b) 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.
(c) 0% Introductory APR on purchases for 6 months, then a variable APR of 18.74% – 32.74% 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 18.74% – 32.74% based upon your creditworthiness. Balance Transfer Fee is 3% of the amount transferred with a $15 minimum.