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Certificate Accounts 

Increase Your Savings Options Today 

Upgrade your rainy-day savings with one of our high-yield Certificate accounts! Choose from a wide range of flexible terms to find the best option that will help you live and give more abundantly.

Explore Our Certificate Account Options 

Welcome Certificates 
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 to open; $250,000 maximum 
  • New money only‡

Terms and Conditions Apply1

Liquid Certificate 
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 minimum to open; $250,000 maximum
  • Penalty-FREE withdrawals 
  • New money only‡

Terms and Conditions Apply2

Step-It-Up Certificate
2.00% APY*

Worried about missing out when rates increase?

Our Step-It-Up Certificate is the answer! You can STEP UP your Certificate’s rate one time per term.

  • 30 months
  • $500 minimum to open

Terms and Conditions Apply3

Term Share Certificates

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 
  • $1,000 minimum to open

Terms and Conditions Apply4

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.  

CD FAQs

When is interest posted to my Certificate account?  

Dividends are compounded daily and paid monthly.

Can I add funds to my Certificate once opened?

Once your Certificate is opened, you cannot add funds until your Certificate matures. When your Certificate matures, you’ll have a 7-calendar day grace period — starting on your maturity date — to transfer funds or make other changes.

What happens to my Certificate at maturity?

There is a 7-calendar day grace period starting on your maturity date to:  

  • Change the term  
  • Make additional deposits or withdraw funds  
  • Close the Certificate

After your 7-day grace period, your Certificate will automatically renew into the same term if you don’t make any changes. Exceptions are:  
Welcome Certificate and Liquid Certificate will renew into a 12-month Term Share Certificate at the prevailing rate  

Step-it-Up will renew into a 24-month Term Share Certificate at the prevailing rate.

Terms & Conditions

*APY = Annual Percentage Yield. APYs are accurate as of  11/10/2024 and are subject to change without notice. 

1. 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 the Certificates account. 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. 
2. Liquid Certificate: $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. 
3. 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. $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. 
4. Term Share Certificates: 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.