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Deposit Accounts to Help You Thrive! 

Christian Community Credit Union (CCCU) believes in helping you manage your money in a way that brings you financial freedom while honoring God. Whether you need the convenience of a checking account with no fees or a savings account that earns more for your money, CCCU offers a variety of deposit accounts that fit your needs.

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Explore our Deposit Account Options

Free Checking 

Welcome to Totally Free Checking!  

We don’t have a minimum balance and we don’t charge monthly service fees. Plus, you can get to your account 24/7!

  • $200 Bonus when you open first free Checking Account1   
  • $100 minimum to open  
  • No minimum balance1  
  • No monthly service fee 

Terms and Conditions Apply1

Checking Plus 

This Checking Account Earns Interest! 

Do you keep a $1,500 daily balance? Do you use direct deposit? This might be the account for you.

  • $200 Bonus when you open first free Checking Account2   
  • $100 minimum to open  
  • Earns 0.05% APY2 when daily balance is $1,500 or more  
  • No monthly service fee2 with Direct Deposit or $1,500 minimum daily balance  

Terms and Conditions Apply2

Savings Account 

It’s Time to Put Your Money to Work 

Start with $100 and watch your money grow in your very own savings account.  

  • $100 minimum 
  • Immediate access to your funds 
  • No monthly fee when daily balance remains $100 and above 

Terms and Conditions Apply3

SmartStart Savings Account for Kids! 

Help Build Their Financial Future 

Teach your child the importance of saving & giving today, while building out their financial future.  

  • Open an account for as little as $25 
  • No Monthly Fee 
  • Earns Interest

Terms and Conditions Apply4

Money Market Account 

Earn Even Higher Rates Today 

Start with $1,000 and earn even higher rates than a traditional savings account.  

  • Variable tiered-rate account 
  • $1,000 minimum to open ($100 for IRA) 
  • Immediate access to your funds 
  • No monthly fee when daily balance remains $1,000 or above 

Terms and Conditions Apply5

Premium Money Market Account 

Immediate Access to Your Money at a Great Rate 

Start with $10,000 and earn premium rates, while you watch your money grow.  

  • Variable tiered-rate account 
  • $10,000 minimum; $250,000 maximum 
  • Immediate access to your funds 
  • Check writing available 
  • No monthly fee when your daily balance remains $10,000 or above 
  • New money only^ 

Terms and Conditions Apply6

Welcome CD  
2.00% APY*

Start Strong and Build Your Savings! 

Offered at a special high rate to help members earn more for the future.  

  • 18 months  
  • $500 minimum; $250,000 maximum per member  
  • One certificate per member  

Terms and Conditions Apply7

Liquid CD  
1.00% APY*

Enjoy More Freedom with our Liquid Certificate!

The great rate helps you grow your savings. And easy access means you’re never far from your cash!  

  • 15 months  
  • $2,000 new money minimum, $250,000 maximum  
  • Penalty-FREE withdrawals  

Terms and Conditions Apply8

Step-It-Up CD   
1.20% APY* 

Worried About Missing out on Rate Hikes?

Our Step-It-Up Certificateis the answer! You can STEP UP your certificate’s rate one time per term.  

  • 30 months   
  • $500 minimum opening deposit 

Terms and Conditions Apply9

Term Share CDs 

Save More and Earn More with More Choices!

Terms from six months to five years are available.  

  • Dividends are compounded daily and paid monthly  
  • Automatic renewal  
  • Choose to have interest compounded or automatically deposited to your checking or savings account  
  • Minimum opening balance of $1,000

Terms and Conditions Apply10

Compare our Rates to the Big Banks!

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Savings Goal Calculator

Use this free savings calculator to help you figure out how your money can grow over time based on APY rate.  

Terms & Conditions:

APY = Annual Percentage Yield. APYs are accurate as of   09/27/2022 and are subject to change without notice. 

1. Free Checking: To receive $200 Checking Bonus: 1) Open your FIRST Free Checking Account with at least $100. 2) Sign up for eStatements within 60 days of account opening at myCCCU.com/estatements. AND 3) Set up a qualifying Direct Deposit, which must be received within 60 days of account opening. To confirm eStatement registration, call 800.347.2228 or contact us via Secure Support link within Online Banking. Bonus cannot be used as opening deposit. Qualifications: Direct Deposit needs to recur for a minimum of 60-days from the first electronic deposit and be for at least $200.00 from your or your joint owner’s paycheck, pension, or government benefits (such as Social Security). Payments, Non-payroll ACH, and Transfers from another CCCU account or other financial institution do not qualify as Direct Deposits. Bonus Payment: Checking bonus will be deposited to your new Checking Account within 60 days after approval of membership eligibility and meeting Direct Deposit and eStatement requirements. Bonus offer available to U.S. residents. Bonus is considered taxable income and the recipient is responsible for reporting the amount to the IRS. Bonus Limit: One checking bonus per account, per Direct Deposit payee, per member, per household. Cannot be combined with other promotions. Account Closing: If new Checking Account is closed within six months after account opening, the bonus will be deducted from the closing balance.   3. ATMs available through the CO-OP Network. A surcharge fee from the ATM owner may apply on non CO-OP ATMs.  4. One CURewards point for every $2 in signature-based purchases with the Visa Debit Card. If you do not qualify for a Visa Debit Card, you may receive an ATM Card. No CURewards points are earned using an ATM Card.  No minimum balance required after $100 opening balance. 

2. Checking Plus: (1) No minimum balance required after $100 opening balance. (2)To receive $200 Checking Bonus: 1) Open your FIRST Free Checking Account with at least $100. 2) Sign up for eStatements within 60 days of account opening at myCCCU.com/estatements. AND 3) Set up a qualifying Direct Deposit, which must be received within 60 days of account opening. To confirm eStatement registration, call 800.347.2228 or contact us via Secure Support link within Online Banking. Bonus cannot be used as opening deposit. Qualifications: Direct Deposit needs to recur for a minimum of 60-days from the first electronic deposit and be for at least $200.00 from your or your joint owner’s paycheck, pension, or government benefits (such as Social Security). Payments, Non-payroll ACH, and Transfers from another CCCU account or other financial institution do not qualify as Direct Deposits. Bonus Payment: Checking bonus will be deposited to your new Checking Account within 60 days after approval of membership eligibility and meeting Direct Deposit and eStatement requirements. Bonus offer available to U.S. residents. Bonus is considered taxable income and the recipient is responsible for reporting the amount to the IRS. Bonus Limit: One checking bonus per account, per Direct Deposit payee, per member, per household. Cannot be combined with other promotions. Account Closing: If new Checking Account is closed within six months after account opening, the bonus will be deducted from the closing balance.   

3. Savings Account: $100 minimum to open. Variable rate account with easy access and maximum liquidity. Regulation D imposes a six transfer/withdrawal limit per month on savings and money market accounts, which includes the following types of transactions: (1) Pre-authorized or automatic withdrawal arrangement for a transfer to the member’s other account(s) at the credit union or to a third party; Telephone transfers; or Transfers initiated by personal computer to another account at the credit union or to a third party during a calendar month. Transfers to a third party if made by check. (2) Transactions NOT included in the six transfer/withdrawal limit are as follows: Transfers or withdrawals the member makes in person, through an ATM, by mail or by telephone (which results in the mailing of a check payable to the member). Transfers from a credit union account to the same credit union for the purposes of repaying a loan.  

There is a $5.00 monthly service fee if the balance falls below $100.00. No fee for Custodian Accounts under age 18. 

4. SmartStart Savings Account: 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. 

5. Money Market Account: $1,000 minimum. Variable tiered rate account with easy access and maximum liquidity. Regulation D imposes a six transfer/withdrawal limit per month on savings and money market accounts, which includes the following types of transactions: 1) Pre-authorized or automatic withdrawal arrangement for a transfer to the member’s other account(s) at the credit union or to a third party; Telephone transfers; or Transfers initiated by personal computer to another account at the credit union or to a third party during a calendar month. Transfers to a third party if made by check. 2) Transactions NOT included in the six transfer/withdrawal limit are as follows: Transfers or withdrawals the member makes in person, through an ATM, by mail or by telephone (which results in the mailing of a check payable to the member). Transfers from a credit union account to the same credit union for the purposes of repaying a loan.  

There is a $10 monthly fee on all Money Market Accounts when the daily balance falls below $1,000 at any time during the month. 

6. Premium Money Market Account (PMMA):  Option 1: Eligible to transfer existing CCCU shares into a PMMA when a Term Certificate is opened up with new money^ of an amount equal to the funds that were transferred from the existing CCCU share account(s)  into the PMMA.  Additional deposits into the PMMA up to the $250,000 maximum must also be new money^.  Option 2:  Bring in new money^ to open a PMMA.  Additional deposits into the PMMA up to the $250,000.00 maximum must also be new money^.  ^New money is money that is not presently on deposit at Christian Community Credit Union. The Credit Union reserves the right to make the sole judgment as to whether or not the deposited funds are considered new money. 

Variable rate account with easy access and maximum liquidity. Regulation D imposes a six transfer/withdrawal limit per month, which includes the following types of transactions: 1) Pre-authorized or automatic withdrawal arrangement for a transfer to the member’s other account(s) at the credit union or to a third party; Telephone transfers; or Transfers initiated by personal computer to another account at the credit union or to a third party during a calendar month. Transfers to a third party if made by check. 2) Transactions NOT included in the six transfer/withdrawal limit are as follows: Transfers or withdrawals the member makes in person, through an ATM, by mail or by telephone (which results in the mailing of a check payable to the member). Transfers from a credit union account to the same credit union for the purposes of repaying a loan. 

There is a $15 monthly fee on Premium Money Market Account when the daily balance falls below $10,000 at any time during the month. 

7. Welcome CD: 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 certificate of depsoit. IRA not available for Welcome CD.  

*APY= Annual Percentage Yield (APY). APYs are accurate as of 07/14/2022 and are subject to change without notice. $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.  

8. Liquid CD: $2,000 minimum; $250,000 maximum. New money only.‡ APY assumes that dividends remain in the account until maturity. No penalty for withdrawals of up to 50% of the start-of-day certificate balance, minimum $500, if made after the certificate has been opened for a minimum of seven days. Withdrawal amounts in excess of 50% in one day will be subject to a 90-day interest penalty, not to exceed interest earned to date. Withdrawal of any amount in the first six days of the certificate being open will result in a penalty of seven days’ dividends. At maturity, the certificate will renew into a 12-month, regular term share certificate at the prevailing rate. Deposits cannot be a transfer from existing funds with Christian Community Credit Union. Not available for IRA accounts.  

A withdrawal will reduce earnings. 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.  

9. Step-it-Up CD: If the standard rate increases on a 30-month certificate, you can STEP UP your rate once during the term. At maturity, the certificate will renew into a 24-month term share certificate at the prevailing rate.  $500 minimum. 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.  

10. Term Share CDs: 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.