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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

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  • Money can be transferred or withdrawn at any time without penalty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

Terms & Conditions

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

Money Market

Terms & Conditions

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.

New Member Ministry Certificate

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

Terms & Conditions

**APY= Annual Percentage Yield (APY). APYs are accurate as of 12/12/2018 and are subject to change without notice. $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 12/12/2018 and are subject to change without notice.

Liquid Certificate

NEW! 2.30% APY* Liquid Certificate

The Penalty-Free Certificate has been enhanced with our new Liquid Certificate! Your money stays liquid with a great rate, plus easy access and maximum liquidity.

  • 15 months
  • $2,000 minimum
  • Penalty-FREE withdrawals
  • UNLIMITED Deposits±

Terms & Conditions

*APY= Annual Percentage Yield (APY). APYs are accurate as of 12/12/2018 and are subject to change without notice. $2,000 minimum. New money only. APY assumes that dividends remain in the account until maturity. Unlimited deposits are accepted during the term of the certificate. 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.

±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.

Step-it-Up Certificate

2.45% APY* Step-it-Up Certificate

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. A penalty will be imposed on early withdrawals from certificates.

  • 30 months
  • $500 minimum

Terms & Conditions

*APY= Annual Percentage Yield (APY). APYs are accurate as of 12/12/2018 and are subject to change without notice. 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.

Term Share Certificates

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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