Checking & Savings 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.
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!
- $100 minimum to open 
- No minimum balance1 
- No monthly service fee
Harvest High-Yield Checking
Enjoy earning an incredible high-interest rate of 4.00% APY*! 
Plus, your money is put to work in helping finance church and ministries for growth and expansion.
- Earn 4.00% APY* on balances up to $5,0002  
- No minimum balance2 
- No monthly service fee
- One Harvest Checking account per member
- A portion of every dollar spent using your Visa debit card2 goes to ministries & missions
To qualify for the high-yield rate, you must:
- Enroll in eStatements
- Register & use Online/Mobile Banking
- Have an active CCCU Debit and Credit Card
- Make $500 in monthly deposits
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
Harvest High-Yield Savings
Earn an incredible 5.00% APY* interest rate!
Plus, your money fuels the expansion of churches and ministries with every deposit you make.
- Earn 5.00% APY* high-interest rate on balances up to $5,000. Variable-tiered rate, thereafter.1
- $100 minimum to open
- Immediate access to funds
- No monthly fee*
- Must register & use Online/Mobile Banking
- One Harvest Savings account per member
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
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
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^
Welcome CD 
4.75% APY* – 5 Months
4.50% APY* – 10 Months
Start Strong and Build Your Savings! 
Offered at a special high rate to help members earn more for the future. 
- $500 minimum; $250,000 maximum per member 
- One certificate per member 
Liquid CD 
1.90% 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 
Step-It-Up CD  
2.00% APY* 
Worried About Missing out on Rate Hikes?
Our Step-It-Up Certificate is the answer! You can STEP UP your certificate’s rate one time per term. 
- 30 months  
- $500 minimum opening deposit 
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
Compare our Rates to the Big Banks!
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  12/02/2024 and are subject to change without notice.
1. Free Checking & Student Free Checking: No minimum balance required after $100 opening balance. Student Free Checking: Must be 18 years of age or older to apply online. If under 18, please print a Student Advantage Banking paper application.
2. Harvest High-Yield Checking: Harvest Checking earns a dividend rate of 4.00% for balances up to $5,000. 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. 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.
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. Harvest High-Yield Savings:
Fees may reduce earnings. $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. 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.
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 01/10/2024 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.