Ministry & Business Rates

  • Interest Checking
    Minimum to Open Rate APY
    $100 0.01% 0.01%

    Earns interest when daily balance is $1,500 or more. There is a $10.00 monthly service fee on Ministry Accounts and $15.00 on Business accounts if the balance falls below $1,500.

  • Savings Account
    Minimum to Open Rate APY
    $100  0.15% 0.15%

    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.

  • Money Market Account
    $1,000 Minimum to Open
    Daily Balance From - To Rate APY
    $0.00 - $9,999.99 0.20% 0.20%
    $10,000 - $24,999.99 0.20% 0.20%
    $25,000 - $99,999.99 0.30% 0.30%
    $100,000 and over 0.32% 0.32%

    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 check processing fee of $15 per check for checks written in excess of 6 per calendar month. 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. 

  • Ministry Member Welcome Certificate
    Minimum Maximum Term Rate APY*
    $500 $10,000 7 months 4.40% 4.50%

    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.

     

  • Penalty-Free Certificate
    Minimum Maximum Term Rate APY*
    $500 $10,000 15 months 0.75% 0.75%

    No penalty for early withdrawal. You can withdraw your money seven days after opening your account and anytime thereafter without a penalty. Early withdrawal must be for the full balance plus all dividends earned. At maturity, the certificate will renew into a 12-month, non-penalty-free, term share certificate at the prevailing rate.

     

  • Step-it-Up Certificate
    Minimum Maximum Term Rate APY*
    $500 $10,000 30 months 1.00% 1.00%

    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
    $1,000 minimum
    Term Rate APY*
    6-11 months 0.30% 0.30%
    12-23 months 0.40% 0.40%
    24-35 months 0.70% 0.70%
    36-47 months 1.09% 1.10%
    48-59 months 1.19% 1.20%
    60 months 1.60% 1.60%
    $10,000 minimum
    Term Rate APY*
    6-11 months 0.40% 0.40%
    12-23 months 0.50% 0.50%
    24-35 months 0.80% 0.80%
    36-47 months 1.19% 1.20%
    48-59 months 1.29% 1.30%
    60 months 1.69% 1.70%
    $50,000 minimum
    Term Rate APY*
    6-11 months 0.45% 0.45%
    12-23 months 0.55% 0.55%
    24-35 months 0.85% 0.85%
    36-47 months 1.24% 1.25%
    48-59 months 1.34% 1.35%
    60 months 1.73% 1.75%
    $100,000 minimum
    Term Rate APY*
    6-11 months 0.50% 0.50%
    12-23 months 0.60% 0.60%
    24-35 months 0.90% 0.90%
    36-47 months 1.29% 1.30%
    48-59 months 1.39% 1.40%
    60 months 1.78% 1.80%

To Open an Account, contact The Ministry Development Group

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APR = Annual Percentage Rate and APY = Annual Percentage Yield are accurate as of .

*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.A penalty will be imposed on early withdrawals from certificates. We may limit the amount you may invest in one or more accounts to a total of $1,000,000. Jumbo rates are subject to change daily.

Rate changes are solely within the discretion of the Board of Directors and subject to change without notice. Variable rates are subject to change after the account is opened and is accurate as of the last dividend declaration period. Dividends are compounded daily and will be credited monthly on all dividend bearing accounts. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. Fees or other conditions could reduce earnings. Please call Christian Community Credit Union at 800.347.CCCU (2228) for the most current rates, terms, and fees.


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