Personal Membership and Benefits
At Christian Community Credit Union (CCCU), our focus is on people, not profits. We’re a full-service and faith-based Credit Union that exists to serve Christ followers to live and give more abundantly. As a financial cooperative, you’re not only a member, you’re also an owner when you join CCCU. Our financial products are designed to help you manage your finances, so you can thrive financially and give generously.
As a purpose-driven Credit Union, supporting the Christian community is central to all we do. Money deposited into CCCU is re-invested to support Christian charities and provide affordable financing to individuals, churches, and ministries. What a blessing it is to know that, as you live out your faith, your money is also helping advance God’s Kingdom.
$6.5 Million+
Donated to Missions & Ministry Projects
$1 Billion+
Funded Ministry & Church Loans
30,000+
Surcharge-Free ATMs + Over 5,600 Shared Branches nationwide
Join Christian Community Credit Union Family Today!
Here are three ways:
1
Through your Church or Ministry
You’re a member, regular attendee, employee, missionary, or student/alumnus of a Christian church, ministry, or school.
2
Through Your Family
You’re a relative of a current member of Christian Community Credit Union. Relatives, include:
3
Become a Member of Our Charity Partner
You can join Christian Community Credit Union by becoming a member of our charity partner, Christian Alliance for Orphans (CAFO). CAFO works for the needs of vulnerable children in the U.S. and worldwide. The Credit Union will pay for the first year a $50 membership fee on your behalf.
Apply for a Membership when you
Open a Deposit Account or Apply for a Loan!
You can join Christian Community Credit Union simply by opening a deposit account (Savings, Checking, Money Market, or CD Account), a credit card, or applying for a home, auto, or personal loan. With each membership, CCCU is actively contributing to the Christian community through affordable loans to individuals, churches, and ministries and donations to Christian causes in the U.S. and around the world.
There’s no time like the present to start building a smarter financial future that aligns with your faith and values.
New Member Special Offers
Earn 4.00% APY* on Harvest High-Yield Checking & bundle with a Harvest High-Yield Savings at 5.00% APY*
Get 10% off of all Compass Financial Ministry’s resources. – Use Promo Code “CCCU10”
50% Admission Discount to Museum of the Bible – Use Promo Code “MYCCCU24”
Frequently Asked Questions
Credit unions are not-for-profit institutions that provide financial services. Most credit unions offer the same types of services as banks, but with a very important difference: credit unions are owned by the people they serve, while banks are profit-driven and owned by shareholders.
Credit unions typically offer lower loan rates and higher savings rates than banks—and save consumers billions of dollars each year.* (*Data reference: forbes.com)
It doesn’t cost anything to become a member of CCCU. Instead, as a member you’ll have access to exclusive membership benefits you can only get when you join our cooperative.
You can manage your finances anywhere, anytime with CCCU’s free digital Apple and Android Apps. Data carrier rates and fees may apply. We’re also part of the CO-OP network which means you have access to over 5,600 Shared Branches and over 30,000 surcharge-FREE ATMs nationwide.
While CCCU gives to various missions and ministry projects, our top giving priorities are spreading the Gospel, combatting human trafficking, and protecting vulnerable children.
Terms & Conditions
*APY = Annual Percentage Yield. APYs are accurate as of 04/30/2025 and are subject to change without notice.
*APR=Annual Percentage Rate. Rates and terms effective 04/30/2025 and are subject to change without notice.
Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 04/30/2025 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.
Harvest Savings: APY = Annual Percentage Yield. APYs are accurate as of 04/30/2025 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.
Welcome Certificate: 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.
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 04/30/2025 and are subject to change without notice.
(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.