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.
Adjustable & Fixed Rate Mortgages
3% & 5% Down Payment Options Available
Explore our Home Loan Options
Conforming Home Loans
Our conforming home loan rates offer affordable and reliable financing options, helping you achieve your dream of homeownership while supporting a mission-driven financial institution.
Non-Conforming Home Loans
CCCU’s non-conforming home loan rates provide flexible financing solutions for unique borrowing needs, all while aligning with your values and supporting Kingdom-focused initiatives.
Home Equity Line of Credit
Special 3.99% APR* Intro Rate Offer!
Tap into your home’s value with a Home Equity Line of Credit (HELOC). For a limited-time, we’re offering a LOW 3.99% APR* Intro Rate for the first 6 months! Variable rate, thereafter, of APR*. Offer ends 12/31/25.
Find a Christian Real Estate Agent
Looking to buy, sell, or invest in property? Get matched with a realtor from a network of over 4,000 experienced agents who will guide you based on Christian principles.
Featured Rates
Conforming Home Loans
- 5/6 ARM (30 Year)
- Rate: 5.250%
- APR* As Low As: 5.317%
- 15-Year Fixed
- Rate: 5.250%
- APR* As Low As: 5.364%
- 30-Year Fixed
- Rate: 5.875%
- APR* As Low As: 5.944%
- .
- Rate: .
- APR* As Low As: .
- APR* As Low As: .
- APR* As Low As: .
- APR* As Low As: .
Click here for a complete list of rates►
*APR = Annual Percentage Rate Mortgage Loan rates and terms effective 11/12/2025 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 semi annual or every 6 months 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 $806,500.00. 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 semi annual or every 6 months 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.”
Payment Examples
5/6 ARM (30 Year): Monthly payment for $100,000 loan amount at 5.317% (current rate) would be $552.20 principal and interest.
15-Year Fixed: Monthly payment for $100,000 loan amount at 5.364% (current rate) would be $803.88 principal and interest.
30-Year Fixed: Monthly payment for $100,000 loan amount at 5.944% (current rate) would be $591.54 principal and interest.
The payment examples do not include taxes and insurance and the actual payment will be higher.
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.
Non-Conforming Home Loans
- 5/6 ARM (30 Year)
- Rate: 6.250%
- APR* As Low As: 6.321%
- 15-Year Fixed
- Rate: 6.250%
- APR* As Low As: 6.368%
- 30-Year Fixed
- Rate: 6.875%
- APR* As Low As: 6.949%
Click here for a complete list of rates►
*APR = Annual Percentage Rate Mortgage Loan rates and terms effective 11/12/2025 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 semi annual or every 6 months 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 $806,500.00. 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 semi annual or every 6 months 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.”
Payment Examples
5/6 ARM (30 Year): Monthly payment for $100,000 loan amount at 5.317% (current rate) would be $615.72 principal and interest.
15-Year Fixed: Monthly payment for $100,000 loan amount at 5.364% (current rate) would be $857.42 principal and interest.
30-Year Fixed: Monthly payment for $100,000 loan amount at 5.944% (current rate) would be $656.93 principal and interest.
The payment examples do not include taxes and insurance and the actual payment will be higher.
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.
Terms & Conditions
Home Equity Line of Credit (HELOC): APR=Annual percentage rate. Rate and terms effective 11/12/2025 and are subject to change without notice. After that, a variable APR of 7.50%–9.50% applies, based on creditworthiness
Variable rate based on The Wall Street Journal Prime Rate plus a margin determined by credit score and loan-to-value (LTV). A 0.25% discount applies when your first mortgage is with Christian Community Credit Union. Rate adjusts monthly, with rates as low as 3.99% APR and up to 18.00% APR. Full appraisal required if CLTV exceeds 80% — at borrower’s expense and not covered by promotional offers. Typical appraisal costs range from $500 to $900, and recording fees generally range from $75 to $250 depending on county and state requirements. Applications with LTV above 80% are subject to Loan Committee approval. If an existing HELOC is already secured by the same property, the new HELOC must be processed as a refinance; the Credit Union will not assume a third lien position.
Payment Example:
Based on 30 days of interest: Monthly payment for $10,000 loan amount at 7.75% (current rate) would be principal and interest.
The payment examples do not include taxes and insurance and the actual payment will be higher.
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.