Welcome to Christian Banking
Finally, a financial institution where you can bank with your values!
Christian Community Credit Union (CCCU) and AdelFi – A Division of CCCU, have officially united to become the nation’s largest Christian banking institution. Backed by 125+ combined years of experience, we offer secure, full-service digital banking designed to help you live, give, and bank with purpose.
Get started with one of our money-saving products below.
Featured Product
Harvest High-Yield Savings
Enjoy earning an exceptional high-interest rate of 5.00% APY*.2
- 5.00% APY* on balances up to $5,000. Variable-tiered rate,a thereafter.
- $100 minimum to open and no monthly feeb
- Must register & use Online/Mobile Banking
Top Picks to Help You Save, Earn, & Give
Harvest High-Yield Checking
Grow your money with a checking account that offers a whopping 4.00% APY*.1
- High-yield interest 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
High-Yield Money Market
For a limited time, you can earn an exceptional 4.00% APY*.3
- For balances up to $100,000, earn 4.00% APY* for 12 months.3
- $1,000 minimum to open
- Six free withdrawals per monthly statement cycle
- No monthly maintenance fees
- New money only✝
Welcome Certificates
Start strong and build your savings with rates as high as 3.65% APY.*
Offered at a special high rate to help members earn more for the future.
- 3.65% APY* – 5 Months
3.55% APY* – 10 Months - $500 minimum to open; $250,000 maximum
- New money only‡
Why CCCU+AdelFi?
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 us, 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
As a member, you’re also an owner in the Credit Uniion. 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.
Press Articles
AMERICAN FAMILY NEWS
Survey suggests Christian customers know banking business matters
As big banks, such as JP Morgan Chase, close accounts of Christian organizations, more and more people are becoming frustrated, according to a survey conducted by a faith-based credit union.
THE CHRISTIAN POST
Should Christians take their money out of banks that don’t share their values?
Credit union survey finds at least one-third are considering changes amid ‘de-banking’ trend.
ETERNAL AFFAIRS MEDIA
As Debanking Increases, Christian Community Credit Union Research Shows Christians are Choosing to Bank with Their Values
CCCU Research Initiative Shows Christians Find Conflict in Faith Values with Major Banks.
PROPHECY NEWS WATCH
Is a Big Bank Exodus Coming?
Is it possible that Christians are now considering an exodus away from their familiar ‘big banks’ in order to better align with Christian values? Initial signs are saying yes.
THE WASHINGTON TIMES
Building a culture of generosity in your family?
Values such as unconditional love, honesty, and faith are certainly the cornerstones of a strong family unit. However, in today’s increasingly individualistic society, there is one value that yields lasting returns…
Terms & Conditions
*Harvest Savings: APY = Annual Percentage Yield. APYs are accurate as of 01/30/2026 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.
1. Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 01/30/2026 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. High-Yield Money Market Promotion: 1APY = Annual Percentage Yield. APYs are accurate as of 01/30/2026 and are subject to change without notice. APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account, based on the dividend rate and frequency of compounding, in a 365-day period. CCCU dividends are compounded daily and paid monthly. The APY and dividend rates are variable and subject to change after the account is opened.
This Promotional Offer is effective 01/30/2026, for all new and existing Christian Community Credit Union (CCCU) Members and can end at the discretion of CCCU at any time without prior notice.
The promotional rate is paid monthly at a dividend rate of 3.923% resulting in an APY (Annual Percentage Yield) of 4.00% on balances up to $100,000. Promotional rate and cap are subject to change. Promo account will automatically convert to standard Money Market Account after 12 months. Once converted to a standard Money Market Account, there is a $10 monthly fee when the daily balance falls below $1,000 at any time during the month. Fees may reduce earnings.
• Must be at least 18 years old
• Open a NEW High-Yield Money Market Account with a $1,000 opening deposit
• Funds deposited in the High Yield Money Market Account must be new money.✝
• Balances above $100,000 will earn the same dividend as CCCU Savings Account of 0.10%.
• Limit ONE High-Yield Money Market Account per member
• There is a maximum limit of six (6) withdrawals per month. A fee of $6.00 per item more than six (6) withdrawals per month.
✝New money is money that is not presently on deposit at Christian Community Credit Union. Existing Members: New money is defined as deposits posted to your CCCU account within the past 30 days. The Credit Union reserves the right to make the sole judgement as to whether or not the funds deposited are considered new money.
*Click HERE for Complete Terms and Conditions for the High-Yield Money Market Promotion
Promotional Offer Summary: A CCCU member that opens a High-Yield Money Market Account can earn 4.00% APY (“Promotional Rate”) on balances up to $100,000.00 (“cap”) for up to 12 months from account opening if that member meets the terms and conditions as stated below. Promotional rate, cap, and terms are subject to change.
- Offer Period. This Promotional Offer is effective beginning January 1, 2026, and can end at the discretion of CCCU at any time without prior notice.
- Account Holder Requirements to receive the promotional rate: a) You must:
i) Be at least 18 years old
ii) Agree to the terms and conditions of this Promotional Offer
iii) Funds deposited in the High-Yield Money Market Account must be new money. Minimum opening balance $1,000.00 required.
iv) Balances above $100,000 will earn the same dividend as CCCU Savings Account of 0.10%.
v) Limit ONE High-Yield Money Market Account per member.
Account Disclosures: Features and benefits of the High-Yield Money Market Account are the same as the Money Market account except for the dividend rate and balance cap. For complete information on features, benefits, and current rates for the qualified account in this offer please see the product descriptions here: Money Market Accounts. Standard account rates and terms, including Money Market rates, are subject to change.
There is a maximum limit of six (6) withdrawals per month. A fee of $6.00 per item will be assessed for any withdrawals that exceed this monthly limit.
Refer to CCCU Truth and Savings and Fee Schedule for account and fee information outside of this Promotional Offer. - Service Fee, Promotional Rate and Balance Cap – The High-Yield Money Market Account does not have a monthly service fee. The promotional rate is paid monthly at a dividend rate of 3.923% resulting in a APY¹ of 4.00% on balances up to $100,000.00. Balances above $100,000 will earn the same dividend as a CCCU Savings Account of 0.10%. Promotional rate, cap, and other terms are subject to change without notice.
- Payment of Dividends – CCCU dividends are compounded daily and paid monthly. Withdrawal of dividends and fees may reduce earnings on this account.
- IRS Reporting – All dividends paid under this Promotional Offer may be subject to IRS reporting. Any applicable taxes are the responsibility of the recipient.
- Additional Eligibility Restrictions – This Promotional Offer is for new and existing CCCU members.
- Reservation of Rights – CCCU reserves the right to withhold the fulfillment of any dividends where the requirements were met fraudulently or obtained through the misuse of this offer or in a manner not in keeping with the terms and conditions or the spirit of the offer (promotional rate for new money to CCCU). Money leaving CCCU and coming back for the sole purpose of taking advantage of this promotion is prohibited. CCCU will assess the integrity of new money by reviewing factors including but not limited to external deposits and average balances over time across CCCU accounts, including accounts owned by joint owners of the High-Yield Money Market Account owner’s other accounts. Accounts found to be in violation of the new money requirement or other terms and conditions will be converted to Money Market Accounts or closed. In the event of any conflict between these Terms and Conditions and any other material describing this Offer, these Terms and Conditions shall control.
¹ APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account based on the dividend rate and frequency of compounding in a 365-day period. CCCU dividends are compounded daily and paid monthly. Withdrawal of dividends and fees may reduce earnings on this account. ²New money is money that is not presently on deposit at Christian Community Credit Union. Existing CCCU Members: New money is defined as deposits posted to your CCCU account within the past 30 days. The Credit Union reserves the right to make the sole judgement as to whether or not the funds deposited are considered new money.
3. Welcome Certificate: *APY= Annual Percentage Yield (APY). APYs are accurate as of 01/30/2026 and are subject to change without notice.
At maturity, the certificate will renew into a 12-month Term Share Certificate at the prevailing rate. A penalty will be imposed on early withdrawals from this Certificate. IRA not available for Welcome Certificate. $500 minimum; $250,000 maximum. Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. No additional deposits can be made during the term of the Share Certificate. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.
‡New money is money that is not presently on deposit at Christian Community Credit Union. Existing CCCU Members: New money is defined as deposits posted to your CCCU account within the past 30 days. The Credit Union reserves the right to make the sole judgment as to whether or not the deposited funds are considered new money.