Ministry Savings

Your money helps provide low-rate loans to ministries, churches, and their members. Best of all, you're sowing seeds towards building God's Kingdom.

Our savings accounts earn dividends on all account balances, so you can save and earn at the same time.


Savings Account

  • Earns more than most bank passbook accounts
  • $100 minimum to open
  • Money can be transferred or withdrawn at any time without penalty
  • Limitation on transfers
  • $5 monthly fee when the balance falls below $100
  • Access account using Ministry Online BankingMinistry Cash Management, or ATM
  • Statement options include eStatements and combined relationship statement

Unlimited withdrawals: When made in person, by mail or at an ATM. When made by telephone, fax or computer, if a check is payable to the member and mailed to the member. Unlimited transfers when made between the accounts of the same member and made in person by mail or at an ATM and when the transfer is made by the member to pay a loan the member has with the Credit Union.

Limited to six (6) transfers or withdrawals when payable to a third party when made by telephone, fax, computer as well as by check or debit card. Made by telephone, fax or computer to another account of the member at the Credit Union. Made by preauthorized, automatic or bill-payment arrangement for transfers to the member’s other account(s) at the Credit Union or to a third party.

$5 monthly fee when the balance falls below $100.


Money Market

Limited to six (6) transfers or withdrawals when payable to a third party when made by telephone, fax, computer as well as by check or debit card. Made by telephone, fax or computer to another account of the member at the Credit Union. Made by preauthorized, automatic or bill-payment arrangement for transfers to the member’s other account(s) at the Credit Union or to a third party.


4.5% APY* New Ministry Member Welcome Certificate

Must be opened within 30 days of joining the credit union. 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 certificates.

  • 7 months
  • $500 minimum
  • $10,000 maximum per member
  • One certificate per new ministry

*APY= Annual Percentage Yield. $500 minimum. Annual Percentage Yield (APYs) 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. APYs are accurate as of and are subject to change without notice.


Term Share Certificates

Fixed-rate term certificates earn high rates for the term of your choice anywhere from six months to five years

  • Dividends are compounded daily and paid monthly
  • Minimum opening balance $1,000
  • Automatic renewal
  • Choose to have interest compounded or automatically deposited to your checking or savings account
  • A penalty will be imposed for early withdrawal from certificates

Certificate Laddering

Maximize Your Savings

Built around the concept of owning multiple bank certificates of deposit that have different maturity dates, the Certificate Ladder Principle can offer a safe and effective way to help you earn more without requiring you to lock in all of your money for the long term.

Learn more

Contact The Ministry Development Group today!

800.347.CCCU (2228), ext. 6216

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4% Welcome

New Member Certificate

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