Personal Rates

*APY = Annual Percentage Yield. APYs are accurate as of  09/30/2023 and are subject to change without notice. Variable rate account with easy access and maximum liquidity. There is a $5.00 monthly service fee if the balance falls below $100.00. No fee for Custodian Accounts under age 18.

*APY = Annual Percentage Yield. APYs are accurate as of  09/30/2023 and are subject to change without notice. Variable rate account with easy access and maximum liquidity. No fee for Custodian Accounts under age 18.

*APY = Annual Percentage Yield. APYs are accurate as of  09/30/2023 and are subject to change without notice.
$10,000 minimum; $250,000 maximum. IRA Available: Minimum to open for IRA is $10,000.
Premium Money Market Account (PMMA) OPTIONS:  Option 1: Eligible to transfer existing CCCU shares into a PMMA when a Term Certificate is opened up with new money of an amount equal to the funds that were transferred from the existing CCCU share account(s)  into the PMMA.  Additional deposits into the PMMA up to the $250,000 maximum must also be new money.  Option 2:  Bring in new money to open a PMMA.  Additional deposits into the PMMA up to the $250,000.00 maximum must also be new money.  New money is money that is not presently on deposit at Christian Community Credit Union. The Credit Union reserves the right to make the sole judgment as to whether or not the deposited funds are considered new money.
Variable rate account with easy access and maximum liquidity.
There is a $15 monthly fee on Premium Money Market Account when the daily balance falls below $10,000 at any time during the month.

*APY = Annual Percentage Yield. APYs are accurate as of 09/30/2023 and are subject to change without notice. Variable tiered rate account with easy access and maximum liquidity. 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.
IRA available. Minimum to open for IRA is $100.

*APY= Annual Percentage Yield (APY). APYs are accurate as of 09/30/2023 and are subject to change without notice.
$500 minimum; $250,000 maximum. New money only. 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 of Deposit (CD). At maturity, the CD will renew into a 12-month term share CD at the prevailing rate. A penalty will be imposed on early withdrawals from CDs. IRA not available for Welcome CD. 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.

*APY = Annual Percentage Yield. APYs are accurate as of  09/30/2023 and are subject to change without notice. $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 of deposit (CD) balance, minimum $500, if made after the CD 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 CD being open will result in a penalty of seven days’ dividends. At maturity, the CD will renew into a 12-month, regular term share CD 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.

*APY = Annual Percentage Yield. APYs are accurate as of  09/30/2023 and are subject to change without notice. $500 minimum.
If the standard rate increases on a 30-month certificate of deposit (CD), you can STEP UP your rate once during the term. At maturity, the CD will renew into a 24-month term share CD at the prevailing rate. 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 CD. 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.

*APY = Annual Percentage Yield. APYs are accurate as of  09/30/2023 and are subject to change without notice. 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 Term Certificate of Deposit (CD). 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.

*APY = Annual Percentage Yield. APYs are accurate as of  09/30/2023 and are subject to change without notice. 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 Term Certificate of Deposit (CD). 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.

*APY = Annual Percentage Yield. APYs are accurate as of  09/30/2023 and are subject to change without notice. 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 Term Certificate of Deposit (CD). 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.

*APY = Annual Percentage Yield. APYs are accurate as of  09/30/2023 and are subject to change without notice. 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 Term Certificate of Deposit (CD). 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.

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*APR = Annual Percentage Rate Mortgage Loan rates and terms effective 09/30/2023 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 $726,200.00. 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.

Click here for a complete list of rates►

*APR = Annual Percentage Rate Mortgage Loan rates and terms effective 09/30/2023 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 $726,200.00. 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.

* APR=Annual Percentage Rate effective 09/30/2023 and is subject to change without notice.
This is an open-end line of credit secured by the equity in your home. 8.75% APR reflects the 1/4% discount if your mortgage/1st Trust Deed is with Christian Community Credit Union. The rate is variable and is based on The Wall Street Journal Prime Rate plus a margin that is based on your credit score and the ratio of your mortgage loan balance to your home value, known as your loan-to-value (LTV). The rate is adjustable monthly with rates as low as 3.25% APR and a maximum of 18.00% APR. Estimated appraisal fee is $475. Not available in Texas. Current property insurance is required. Transfer tax may be applicable in certain states and is the borrower’s responsibility to pay at closing. A $25 one-time membership fee applies if you do not have a deposit account when you become a member at 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.
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.

*APR=Annual percentage rate. Rate and terms effective 09/30/2023 and are subject to change without notice. Rates as low as 5.99% APR. This is a fixed rate loan. 5.99% APR reflects the 0.25% discount for new members OR for members using auto pay with their Credit Union Checking Account  (new members are those that joined Christian Community Credit Union within the last six months). Monthly payment for $10,000 for 60 months at 5.99% APR would be $193.78. Not all borrowers will qualify for the lowest rate. Rates are based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage.
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.

*APR=Annual percentage rate. Rate and terms effective 09/30/2023 and are subject to change without notice.
Rates as low as 6.49%. This is a fixed rate loan. 6.49% APR reflects the 0.25% discount for new members OR for members using auto pay with their Credit Union Checking Account  (new members are those that joined Christian Community Credit Union within the last six months).  Monthly payment for $10,000 for 60 months at 6.49% APR would be $196.16. Refinances for existing Christian Community Credit Union loans will require a $2,500 cash out, if the vehicle has good value. Not all borrowers will qualify for the lowest rate. Rates are based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage.
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.

*APR=Annual percentage rate. Rate and terms effective 09/30/2023 and are subject to change without notice. Rates as low as 8.49% APR. This is a fixed rate loan. 8.49% APR reflects the 0.25% discount for new members OR for members using auto pay with their Credit Union Checking Account  (new members are those that joined Christian Community Credit Union within the last six months). Monthly payment for $10,000 for 60 months at 8.49% APR would be $205.86. Not all borrowers will qualify for the lowest rate. Rates are based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage.
Rate Increase to Base Rate
• Add 0.50%  for every 5% above Base Loan-to-Value (LTV) limit; subject to Out-the-Door (OTD) LTV limits (max 10% above base LTV)
• Add 0.50% if vehicle is over 100K miles
• Add 0.50% if model year is 10 years or older for credit score below 660
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.

*APR=Annual percentage rate. Rate and terms effective 09/30/2023 and are subject to change without notice. Rate as low as 7.99% APR for new recreational vehicle (RV) loans and 8.49% APR for pre-owned RV loans. Rates reflect the 0.25% discount for members using automatic payments from a Christian Community Credit Union Checking Account. A processing fee of $399 applies. Up to 120% financing available. Terms up to 180 months for new and pre-owned. Monthly payment for $30,000 for 180 months at 7.99% APR would be $287.55; at 8.49% APR for 180 months would be $296.37. Rates are based on credit history and underwriting factors. Not all borrowers will qualify for the lowest rate.
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.

*APR = Annual Percentage Rate and terms effective 09/30/2023 and are subject to change without notice. Rates as low as 8.99%. Loans from $2,500 up to $50,000. Terms up to 60 months. Zero origination fees. Zero prepayment fees. This is a fixed term, closed-end loan and reflects the 0.25% discount for members using automatic payment with their Christian Community Credit Union Checking Account. Tiered rate based on credit score. Not all borrowers will qualify for the lowest rate. Other conditions may apply. Monthly payment for $10,000: for 36 months at 8.99% APR would be $319.15; for 60 months at 10.99% APR would be $218.39. Loan cannot be used to pay other existing Christian Community Credit Union loan balances.
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.

*APR = Annual Percentage Rate and terms effective 09/30/2023 and are subject to change without notice. Rates as low as 13.50%. This is an open-end line of credit with payments of 3.5% of the outstanding balance. Rates are variable and tied to The Wall Street Journal Prime Rate.
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.

*APR = Annual Percentage Rate and terms effective 09/30/2023 and are subject to change without notice. Rates as low as 3.10%. Share secured loan rate is variable and will be charged 3% above the share rate paid by Christian Community Credit Union, rounded to the nearest 1/10 percentage point. Subject to change without notice. Fee will be waived if you have a deposit account or you open one within 30 days of loan approval.
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.

*APR=Annual percentage rate. Rate and terms effective 09/30/2023 and are subject to change without notice. All loans subject to an evaluation of each applicant’s credit by Credit Union Student Choice.

* APR = Annual Percentage Rate is current as 09/30/2023 and is subject to change without notice.
Visa® & Mastercard Purchases: 0% introductory APR for purchases during the first 12 months. After that, 16.24% to 30.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Cash Rewards Visa®  Purchases: 0% introductory APR for purchases during the first 6 months. After that, 20.24% to 34.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Visa® & Mastercard Balance Transfer Rate: 0% introductory APR for 12 months when balances are transferred during the first 60 days of open date. After that, 16.24% to 30.24%. Your APR will vary with the market based on the Prime Rate.
Cash Rewards Visa® Balance Transfer Rate: 0% introductory APR for 6 months when balances are transferred during the first 60 days of open date. After that, 20.24% to 34.24%. Your APR will vary with the market based on the Prime Rate.
‡Visa® & Mastercard Cash Advance: 16.24% to 30.24%. This APR will vary with the market based on the Prime Rate.
‡Cash Rewards Visa® Cash Advance: 20.24% to 34.24%. This APR will vary with the market based on the Prime Rate.

For complete, click Interest Rates and Fees▸  (APR=Annual Percentage Rate)