Harvest High-Yield Savings
Earn 5.00% APY*
Discover the power of exceptional growth with our Harvest Savings account! Earn an incredible 5.00% APY* interest rate1 while fueling the expansion of churches and ministries with every deposit you make.
Plus, maximize earnings when you bundle a Harvest Savings with Harvest Checking at 4.00% APY** while enjoying the convenience of managing both accounts in one place.
Bundle today and get valuable returns!
Harvest Savings
- Earn 5.00% APY* high-interest rate on balances up to $5,000. Variable-tiered rate, thereafter.1
- $100 minimum to open
- No monthly fee*
- Must register & use Online/Mobile Banking1
- One Harvest Savings account per member
Variable-Tiered Rate
Each tier will accrue interest at its respective rate.
| Tier | Interest Rate |
|---|---|
| $0-$5,000 | 5.00% APY |
| $5,001-$10,000 | 2.50% APY |
| $10,000+ | 0.10% APY |
Calculate earnings with our Harvest Savings Calculator!
Bundle & Boost Earnings
Harvest Checking
- Earn 4.00% APY* high-interest rate on balances up to $5,0002,3
- No minimum balance2
- No monthly service fee
- One Harvest Checking account per member
- A portion of every dollar spent using your Visa debit card4 goes to ministries & missions
To qualify for the high-yield rate, you must:
- Enroll in eStatements
- Register & use Online/Mobile Banking
- Have an active CCCU Debit OR Credit Card
- Make $500 in monthly deposits
Reasons to Save
Emergency Fund
College Planning
Buying a Car
Vacation
Compare our Rates to the Big Banks!
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Harvest Savings Calculator
Discover how to reach your savings goal with the calculator below.
Terms & Conditions
*Harvest Savings: APY = Annual Percentage Yield. APYs are accurate as of 05/20/2025 and are subject to change without notice. Fees may reduce earnings. $100 minimum to open. There is a $5.00 monthly service fee if the balance falls below $100.00. No fee for Custodian Accounts under age 18. One Harvest Savings account per member.
1. Tiered -based savings account. 5.00% APY will be paid on balances up to $5,000. Balances between $5,001-$10,000 will earn the lower dividend rate of 2.50% APY. Balances $10,001+ will earn the dividend rate of 0.10% APY. Active online banking required.
**Harvest Checking: APY = Annual Percentage Yield. APYs are accurate as of 05/20/2025 and are subject to change without notice. Fees may reduce earnings.
2. No minimum balance required after required $100 opening deposit. Higher-yield APY will be paid on maximum balance of $5,000. Balances in excess of $5,000 will earn the lower dividend rate of 0.05%.
3. Qualification criteria for higher APY: 1) You must register for e-statements 2) Have an active online banking 3) Have an activated Christian Community Credit Union (CCCU) debit card OR a CCCU credit card AND 4) $500 in accumulated deposits during the month.
4. Applies to Visa debit signature-based transactions.
Membership Eligibility is required. New and converted accounts will receive the higher APY for at least the first dividend cycle. After that, if you do not meet all of the qualification criteria, the account will earn the lower dividend rate 0.05%. Fees may reduce earnings. Limit: One Harvest Checking account per Member.