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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 new Harvest High-Yield Checking Account. Earn a whopping 4.00% APY* interest rate,1 while your money is used to support church and ministry growth!

Choose a Product that’s Right for You

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!

Harvest High-Yield Checking1

  • Earn an impressive 4.00% APY* high-interest rate on balances up to $5,000.4 Qualifications apply.5
  • No minimum balance4 or monthly service fee
  • A portion of every dollar spent using your Visa debit card6 goes to ministries & missions

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.


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.

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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.

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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

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Christian Alliance for Orphans Logo
International Ministries Logo
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Terms & Conditions

*APR=Annual Percentage Rate. Rates and terms effective 02/22/2024 and are subject to change without notice. 
Cash Rewards Visa
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. 
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 20.24%34.24% 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 20.24%34.24% based upon your creditworthiness. Balance Transfer Fee is 3% of the amount transferred with a $15 minimum.

Harvest Checking
4.   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% paid on our Checking Plus product.
5. 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.
6. 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% paid on our Checking Plus product. Fees may reduce earnings. Limit: One Harvest Checking account per Member.