Rates

Deposit Rates

  • Checking Plus
    Minimum to Open Rate APY
    $100 0.01% 0.01%

    Earns interest when daily balance is $1,500 or more. There is a $10.00 monthly service fee if the balance falls below $1,500 without direct deposit.

  • Savings Account
    Minimum to Open Rate APY
    $100 (Custodial accounts for Minors $25) 0.15% 0.15%

    Variable rate account with easy access and maximum liquidity. Regulation D imposes a six transfer/withdrawal limit per month on savings and money market accounts, which includes the following types of transactions: (1) Pre-authorized or automatic withdrawal arrangement for a transfer to the member’s other account(s) at the credit union or to a third party; Telephone transfers; or Transfers initiated by personal computer to another account at the credit union or to a third party during a calendar month. Transfers to a third party if made by check. (2) Transactions NOT included in the six transfer/withdrawal limit are as follows: Transfers or withdrawals the member makes in person, through an ATM, by mail or by telephone (which results in the mailing of a check payable to the member). Transfers from a credit union account to the same credit union for the purposes of repaying a loan. There is a $5.00 monthly service fee if the balance falls below $100.00. No fee for Custodian Accounts under age 18.

  • Money Market Account (IRA available)
    $1,000 Minimum to Open ($100 for IRA)
    Daily Balance From - To Rate APY
    $0.00 - $9,999.99 0.20% 0.20%
    $10,000 - $24,999.99 0.20% 0.20%
    $25,000 - $99,999.99 0.30% 0.30%
    $100,000 and over 0.32% 0.32%

    Variable tiered rate account with easy access and maximum liquidity. Regulation D imposes a six transfer/withdrawal limit per month on savings and money market accounts, which includes the following types of transactions: 1) Pre-authorized or automatic withdrawal arrangement for a transfer to the member’s other account(s) at the credit union or to a third party; Telephone transfers; or Transfers initiated by personal computer to another account at the credit union or to a third party during a calendar month. Transfers to a third party if made by check. 2) Transactions NOT included in the six transfer/withdrawal limit are as follows: Transfers or withdrawals the member makes in person, through an ATM, by mail or by telephone (which results in the mailing of a check payable to the member). Transfers from a credit union account to the same credit union for the purposes of repaying a loan. 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.

  • New Member Welcome Certificate
    Minimum Maximum Term Rate APY*
    $500 $2,500 18 months 3.92% 4.00%

    Must be opened within 30 days of joining the Credit Union. One certificate per new member. 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 certificates. IRA not available on this product.

     

  • Penalty-Free Certificate (IRA available)
    Minimum Maximum Term Rate APY*
    $500 $10,000 15 months 0.75% 0.75%

    No penalty for early withdrawal. You can withdraw your money seven days after opening your account and anytime thereafter without a penalty. Early withdrawal must be for the full balance plus all dividends earned. At maturity, the certificate will renew into a 12-month, non-penalty-free, term share certificate at the prevailing rate.

     

  • Step-it-Up Certificate (IRA available)
    Minimum Maximum Term Rate APY*
    $500 $10,000 30 months 1.00% 1.00%

    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.

  • Term Share Certificates (IRA available)
    $1,000 minimum
    Term Rate APY*
    6-11 months 0.30% 0.30%
    12-23 months 0.40% 0.40%
    24-35 months 0.70% 0.70%
    36-47 months 1.09% 1.10%
    48-59 months 1.19% 1.20%
    60 months 1.60% 1.60%
    $10,000 minimum
    Term Rate APY*
    6-11 months 0.40% 0.40%
    12-23 months 0.50% 0.50%
    24-35 months 0.80% 0.80%
    36-47 months 1.19% 1.20%
    48-59 months 1.29% 1.30%
    60 months 1.69% 1.70%
    $50,000 minimum
    Term Rate APY*
    6-11 months 0.45% 0.45%
    12-23 months 0.55% 0.55%
    24-35 months 0.85% 0.85%
    36-47 months 1.24% 1.25%
    48-59 months 1.34% 1.35%
    60 months 1.73% 1.75%
    $100,000 minimum
    Term Rate APY*
    6-11 months 0.50% 0.50%
    12-23 months 0.60% 0.60%
    24-35 months 0.90% 0.90%
    36-47 months 1.29% 1.30%
    48-59 months 1.39% 1.40%
    60 months 1.78% 1.80%

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Loan Rates

  • Adjustable Rate Mortgages ("ARM")
    Product Rate APR**
    3/1 ARM - 15-Year 3.125% 3.192%
    3/1 ARM - 30-Year 3.125% 3.162%
    5/1 ARM with Mortgage Insurance - 3% Down - One Point 3.625% 3.932%
    5/1 ARM with Mortgage Insurance - 5% Down - One Point 3.500% 3.805%
    5/1 ARM - 15-Year 3.375% 3.479%
    5/1 ARM - 30-Year 3.375% 3.432%
    7/1 ARM - 15-Year 3.625% 3.766%
    7/1 ARM - 30-Year 3.625% 3.704%

    The Adjustable Rate Mortgage loan offered by the Credit Union is amortized over 15 or 30 years. The initial interest rate is fixed for the first five years 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 monthly average yield on United States Treasury securities adjusted to a constant maturity of 1 year, 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.

    **APR = Annual Percentage Rate Mortgage Loan rates and terms effective and are subject to change without notice. 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. 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 $417,000.00. 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.

  • Fixed Rate Mortgages
    Product Rate APR
    15-Year Fixed 3.000% 3.068%
    15-Year Fixed with Mortgage Insurance - 3% Down - One Point 3.250% 3.774%
    15-Year Fixed with Mortgage Insurance - 5% Down - One Point 3.125% 3.470%
    1st TD 30-Year Fixed Rate 89% LTV - One Point 3.875% 4.151%
    30-Year Fixed 3.750% 3.809%
    30-Year Fixed with Mortgage Insurance - 3% Down - One Point 4.125% 4.752%
    30-Year Fixed with Mortgage Insurance - 5% Down - One Point 4.000% 4.407%

    APR = Annual Percentage Rate Mortgage Loan rates and terms effective and are subject to change without notice. New purchase money maximum loan-to-value (LTV) ratio is 97%. Private Mortgage Insurance (PMI) is required on loans over 80% LTV. For refinance loans with cash out, the maximum LTV ratio is 90% (PMI required) based on appraised value. All rates apply to single family dwellings that are owner occupied. Closing costs are associated with this loan. The APR is based on loan amounts up to $417,000.00. 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.

  • Home Equity Line of Credit
    Standard Variable Rate Maximum Loan-to-Value Minimum/Maximum Loan Amount
    As low as 3.75% APR 80% $5,000-$500,000
    Get a 1/4% discount if your mortgage/1st Trust Deed is with Christian Community Credit Union

    APR = Annual Percentage Rate effective and is subject to change without notice. This is an open-end line of credit secured by the equity in your home. 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 an APR* of 3.75% and a maximum APR* of 18.00%. Estimated appraisal fee is $425. For new loan only members, a onetime $5 membership fee will be added to the loan. You will receive a ¼% discount on your rate (3.50% is the floor rate) if your mortgage/1st Trust Deed is with Christian Community Credit Union.

  • New and Used Car Loans
    As low as 1.99% APR for loans of $10,000 or more
    This is a fixed rate loan with a $10,000 minimum. 1.99% APR based on automatic payments from a Christian Community Credit Union Checking Account. Monthly payment for $10,000 for 72 months at 1.99% APR would be $147.59. Rates are based on credit rating. For new members only, a one time $5 membership fee will be added to your auto loan. 1.99% APR does not apply to existing Christian Community Credit Union loans.
    As low as 6.00% APR for loans under $10,000
    Rates are based on credit rating. 6.00% APR based on automatic payments from a Christian Community Credit Union Checking Account. For new auto loan member only, a one time $5 membership fee will be added to your auto loan. Christian Community Credit Union auto loans are not eligible for refinancing. New members that joined the Credit Union within the last 6 months get an additional .25% discount.
  • Personal Credit Line
    As low as 5.50% APR
    This is an open-end line of credit with payments of 3.5% of the outstanding balance. Rates are variable and tied to the 26-week T-Bill with a maximum APR of 18%. A one time $5 membership fee will be added to your loan for new loan only members. Rate effective .
  • Shared Secured Loans
    As low as 3.20% APR
    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.
  • Personal Credit Cards
    Annual Percentage Rate (APR) for Purchases
    0% introductory APR for purchases during the first 12 months. After that,11.15% to 17.15% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
    Annual Percentage Rate (APR) for Balance Transfers
    0% introductory APR for 12 months when balances are transferred during the first 60 days of open date. After that, 11.15% to 17.15%. Your APR will vary with the market based on the Prime Rate.
    Annual Percentage Rate (APR) for Cash Advance
    11.15% to 17.15%. This APR will vary with the market based on the Prime Rate.

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APR = Annual Percentage Rate and APY = Annual Percentage Yield are accurate as of .

*APY= Annual Percentage Yield. $500 minimum. Annual Percentage Yield (APYs) 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. A penalty will be imposed on early withdrawals from certificates. We may limit the amount you may invest in one or more accounts to a total of $1,000,000. Jumbo rates are subject to change daily. NOTE: Special Certificates can be for IRA and CUTMA accounts, except IRA is not available for New Welcome Certificate.

Rate changes are solely within the discretion of the Board of Directors and subject to change without notice. Variable rates are subject to change after the account is opened and is accurate as of the last dividend declaration period. Dividends are compounded daily and will be credited monthly on all dividend bearing accounts. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. Fees or other conditions could reduce earnings. Please call Christian Community Credit Union at 800.347.CCCU (2228) for the most current rates, terms, and fees.


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