Home Loans

Looking to buy a new home or refinance the one you’re in? Have home improvements plans? CCCU’s team of loan experts can help you with affordable financing solutions for your home sweet home.

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Adjustable & Fixed Rate Mortgages

3% & 5% Down Payment Options Available
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Home Loan Rates as low as 5.710% APR*

5/5 ARM* 30-year Amortization
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SPECIAL OFFER! Appraisal Fee Waived up to $6001

Explore our Home Loan Options

New Purchase

When you’re ready to buy that new dream home, we’re here to help you every step of the way.

Mortgage Refinancing

Want to refinance the home you’re in? Save with our low-rate home refinance program.

Home Equity Line of Credit

Tap into your home’s value with a Home Equity Line of Credit (HELOC). For a limited-time only, get a six-month introductory rate as low as 3.25%.


Featured Rates

Home Loan Purchase

  • 15-Year Fixed
  • Rate: 5.750%
  • APR* As Low As: 5.895%
  • 30-Year Fixed
  • Rate: 6.250%
  • APR* As Low As: 6.338%

Click here for a complete list of rates►

*APR = Annual Percentage Rate Mortgage Loan rates and terms effective 12/07/2022 and are subject to change without notice. Closing costs are associated with this loan. The loan offered by the Credit Union is an Adjustable Rate Mortgage. After the initial fixed rate period has expired, the applicable interest rate and monthly payments will be adjusted annually based upon movements of an interest rate index. Based on current market conditions, the fully indexed rate (once adjusted) is calculated by combining the margin and associated mortgage index. The APR is based on loan amounts up to $647,200.00. The loan may be refinanced at any time. Loan approval subject to credit, income and property appraisal. Points and other fees may be associated with this loan.
The Adjustable Rate Mortgage loan offered by the Credit Union is amortized over 15 or 30 years. The initial interest rate is fixed based on the adjustable-rate program chosen of the loan, and adjusts annually thereafter. After the initial fixed rate period, the interest rate charged will be based on an interest rate index (“index”) plus a margin, rounded to the nearest one-eighth of one percentage point (0.125%). The index is: The Secured Overnight Financing Rate (SOFR) as made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date is called the “Current Index.”
If you’re shopping for an adjustable-rate mortgage, you may see that the APR is lower than the mortgage rate. This is because lenders calculate the fully indexed rate (once it adjusts) by combining the margin and associated mortgage index. And since mortgage indexes are so low at the moment, they assume you’ll have a lower rate once the loan adjusts, which may or may not be the case. Don’t count on the fully indexed rate being lower, because rates are historically rock-bottom and probably won’t stay that way for long.
For new purchase loans, the maximum loan-to-value ratio is 97% (PMI required). For refinance loans with cash out, the maximum loan-to-value ratio is 90% (PMI required) based on appraised value. All rates apply to single family dwellings that are owner occupied.
A $25 one-time membership fee applies if you do not have a deposit account when you become a member of Christian Community Credit Union by applying for a loan. Fee will be waived if you open a deposit account within 30 days of loan approval. Visit myCCCU.com/deposit-account.


Home Loan Refinance

  • 15-Year Fixed
  • Rate: 6.00%
  • APR* As Low As: 6.15%
  • 30-Year Fixed
  • Rate: 6.500%
  • APR* As Low As: 6.590%

Click here for a complete list of rates►

*APR = Annual Percentage Rate Mortgage Loan rates and terms effective 12/07/2022 and are subject to change without notice. Closing costs are associated with this loan. The loan offered by the Credit Union is an Adjustable Rate Mortgage. After the initial fixed rate period has expired, the applicable interest rate and monthly payments will be adjusted annually based upon movements of an interest rate index. Based on current market conditions, the fully indexed rate (once adjusted) is calculated by combining the margin and associated mortgage index. The APR is based on loan amounts up to $647,200.00. The loan may be refinanced at any time. Loan approval subject to credit, income and property appraisal. Points and other fees may be associated with this loan.
The Adjustable Rate Mortgage loan offered by the Credit Union is amortized over 15 or 30 years. The initial interest rate is fixed based on the adjustable-rate program chosen of the loan, and adjusts annually thereafter. After the initial fixed rate period, the interest rate charged will be based on an interest rate index (“index”) plus a margin, rounded to the nearest one-eighth of one percentage point (0.125%). The index is: The Secured Overnight Financing Rate (SOFR) as made available by the Federal Reserve Board. The most recent Index figure available as of the date 45 days before each Change Date is called the “Current Index.”
If you’re shopping for an adjustable-rate mortgage, you may see that the APR is lower than the mortgage rate. This is because lenders calculate the fully indexed rate (once it adjusts) by combining the margin and associated mortgage index. And since mortgage indexes are so low at the moment, they assume you’ll have a lower rate once the loan adjusts, which may or may not be the case. Don’t count on the fully indexed rate being lower, because rates are historically rock-bottom and probably won’t stay that way for long.
For new purchase loans, the maximum loan-to-value ratio is 97% (PMI required). For refinance loans with cash out, the maximum loan-to-value ratio is 90% (PMI required) based on appraised value. All rates apply to single family dwellings that are owner occupied.

A $25 one-time membership fee applies if you do not have a deposit account when you become a member of Christian Community Credit Union by applying for a loan. Fee will be waived if you open a deposit account within 30 days of loan approval. Visit myCCCU.com/deposit-account.


Home Loan Mortgage Calculator

Use our Home Loan Mortgage calculators to find out exactly how much house you can buy! Explore your interest rates, principal payments, and more.


1. Appraisal fee is a limited time offer and subject to change without notice. Applies to 1st Trust Deed and Home Equity Line of Credit (HELOC) loans only. $250 waived for loans up to $200,000; $400 waived for loans between $200,001 to $400,000; $600 waived for loans over $400,000.