Choose a Product that’s Right for You
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 $5,000.1 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
Enjoy earning an exceptional high-interest rate of 5.00% APY* for balances up to $5,000.2
Plus, your money is put to work in financing church and ministries for growth and expansion.
- Variable-tiered rate1
- $100 minimum to open and no monthly fee2
- Must register & use Online/Mobile Banking
Cash Rewards Visa®
Earn unlimited 1.5% cash back on every purchase, every day. A portion of every dollar spent using the card goes to Christian charities.
- 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
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.
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
1. Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 05/14/2025 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 05/14/2025 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 05/14/2025 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.