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!
Choose a Product that’s Right for You
Harvest High-Yield Checking1
- Earn an impressive 4.00% APY* high-interest rate on balances up to $5,000.1 Qualifications apply.2
- No minimum balance1 or monthly service fee
- A portion of every dollar spent using your Visa debit card3 goes to ministries & missions
Harvest High-Yield Savings
- Earn 5.00% APY* high-interest rate on balances up to $5,000.1 Variable-tiered rate, thereafter (see below).
- $100 minimum to open and no monthly fee2
- Immediate access to funds
- Must register & use Online/Mobile Banking
| Tier | Interest Rate |
|---|---|
| $0-$5,000 | 5.00% APY* |
| $5,001-$10,000 | 2.50% APY* |
| $10,000+ | 0.10% APY* |
Cash Rewards Visa®
- Get 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
- Every swipe gives to Christian charities!
Loans for Every Season of Life
Whether it’s buying a new car or home, refinancing, or getting a personal line of credit, we offer a variety of loans with flexible terms and competitive rates.
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.
Some of the Ministries We Support
Terms & Conditions
1. Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 04/19/2025 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 or 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.
2. Harvest Savings: APY = Annual Percentage Yield. APYs are accurate as of 04/19/2025 and are subject to change without notice. (1) Tiered -based savings account. 5.00% APY will be paid on balances up to $5,000. Balances between $5,001-$10,000 will earn the lower dividend rate of 2.50% APY. Balances $10,001+ will earn the dividend rate of 0.10% APY. Fees may reduce earnings. (2) $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 04/19/2025 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.