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!
Ministry Basic Checking
Welcome to totally free checking for your ministry!
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
- Unlimited deposit & check writing
- Visa Debit Card2
- Convenient deposit locations nationwide3
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 Savings Account
Start earning interest to build for your business’ future and help advance God’s Kingdom.
Save more and earn more for your ministry.
- Earns higher rates than most savings accounts
- $100 minimum to open
- Unlimited withdrawals
- No monthly fee when daily balance remains $100 or above
Ministry Term Loans
A faster alternative to real estate secured loans, our term loans can get you the funds you need for unexpected expenses and emergencies with no collateral required.
- Unecured loan
- Competitive rates
- Fast funding
- Amortized up to 10 years*
- Term up to 5 years*
- No pre-payment penalties
Ministry Vehicle Loans
If your ministry needs to purchase a new van or shuttle bus to better serve your community or refinance the one you have, our vehicle loans can help you save money.
- Competitive rates
- Finance of up to 80% of the vehicle’s value and up to 20% of the ministry’s average annual income*
- Amortization of up to 7 years*
- Rate discount with automatic payment setup
- No pre-payment penalties
Ministry Equipment Loans
Get the Equipment you Need to Grow.
Is your ministry in need of a sound system, seating, lighting, projection or video production gear? Maybe you need playground equipment for the youngest members of your community? Let us help you fulfill your ministry’s needs!
- Competitive fixed interest rates as low as 8.34%*
- Loans from $5,000 up to $200,000
- Fixed-rate terms up to 7 years
- Quick and easy process
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 18.49% – 32.49% 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 18.49% – 32.49% 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 01/31/2026 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 01/31/2026 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 01/31/2026 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 18.49% – 32.49% 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 18.49% – 32.49% based upon your creditworthiness. Balance Transfer Fee is 3% of the amount transferred with a $15 minimum.