Welcome “Decaf” Subscribers
Special Bonus Offer!*
Get up to $400
Finally, a financial institution where you can bank with your Christian values—Christian Community Credit Union (CCCU)!
For over 68 years, CCCU has been serving individuals, families, ministries, and businesses nationwide. As America’s #1 Biblical banking solution, we offer full-service digital banking designed to help you live and give more abundantly.
Get started by selecting one of our premium checking and savings accounts below.
Choose a Product that’s Right for You
Get up to a $400 Bonus!
Use Promo Code “POUR”
Harvest High-Yield Checking
Get $100
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
- For new members, get a $100 bonus* when you register for digital banking and enroll in eStatementsb
- No minimum balancea or monthly service fee
- A portion of every dollar spent using your Visa debit cardc goes to ministries & missions
Use Promo Code “POUR”
Harvest High-Yield Savings for Kids
Get $100
Enjoy earning an exceptional high-interest rate of 5.00% APY* for balances up to $5,000.2
You can teach your kids how to set savings goals and make deposits, so they can watch their savings grow!
- Variable-tiered ratea
- For new members, get a $100 bonus* when you carry a balance of $5,000 or moreb
- $100 minimum to open and no monthly feec
- Must register & use Online/Mobile Banking
Use Promo Code “POUR”
Cash Rewards Visa®
Get $200
Earn unlimited 1.5% cash back3 on every purchase, every day. A portion of every dollar spent using the card goes to Christian charities.
- Get 1.5% Cash Back on every purchasea
- Get a $200 bonus* when you spend $750 in the first 3 monthsb
- 0% APR* Intro & Balance Transfer Rate for the first 6 monthsc
- No Annual Feed
- Every swipe gives to Christian charities!
Use Promo Code “POUR”
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+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.
Raising Money-Smart Kids Starts Here
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Terms & Conditions
*Special bonus offers will be deposited after 60 days for Harvest Checking and 30 days for Harvest Savings once approval of membership eligibility and bonus eligibility requirements have been met. Bonus offer available to U.S. residents who are new members and meet the product requirements. New members are those who have not been a member of Christian Community Credit Union in the last 24 months. Bonus is considered taxable income and the recipient may be responsible for any tax implications.
1. Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 03/10/2026 and are subject to change without notice. Fees may reduce earnings. One-time $100 bonus is for new members who register for digital banking and enroll in eStatements.
To earn the advertised APY: (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%.
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. (b) To qualify for the one-time bonus, you must register for digital banking and enroll in eStatements. Bonus is for new members only. (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 for Kids: APY = Annual Percentage Yield. APYs are accurate as of 03/10/2026 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 $5,001-$10,000 will earn the lower dividend rate of 2.25% APY. Balances $10,001+ will earn the dividend rate of 0.10% APY. Active online banking required. Fees may reduce earnings. (b) To qualify for the one-time $100 bonus, the new savings account must have a balance of $5,000 or more 30 days from the date the account was opened. Bonus is for new members only. (c) $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.
Note: To open an account for a minor, the Custodian must be a member and the minor must meet eligibility requirements.
Must submit Transfer to Minor form with application. All accounts for minors are opened under CUTMA, the California Uniform Transfers to Minors Act. CUTMA allows an adult to act as the custodian of property for a child.
3. Cash Rewards: * Interest Rates and Fees▸ (APR=Annual Percentage Rate)
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 03/10/2026 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.
(d) Cash Advance Fee is 3% of the amount transferred with a $15 minimum. No foreign transaction fee.