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Rates

Checking Plus

Minimum to Open Rate APY
$100 0.10% 0.10%

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) 0.20% 0.20%

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 0.30% 0.30%
$10,000 – $24,999.99 0.30% 0.30%
$25,000 – $99,999.99 0.40% 0.40%
$100,000 and over 0.42% 0.42%

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 for New Welcome Certificate.

*APY= Annual Percentage Yield (APY). APYs are accurate as of 12/12/2018 and are subject to change without notice. $500 minimum. 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. 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! Liquid Certificate

Minimum Term Rate APY*
$2,000 15 months 2.27% 2.30%

*APY= Annual Percentage Yield (APY). APYs are accurate as of 12/12/2018 and are subject to change without notice. $2,000 minimum. New money only. APY assumes that dividends remain in the account until maturity. Unlimited deposits are accepted during the term of the certificate. No penalty for withdrawals of up to 50% of the start-of-day certificate balance, minimum $500, if made after the certificate 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 certificate being open will result in a penalty of seven days’ dividends. At maturity, the certificate will renew into a 12-month, regular term share certificate 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.

±Regulation D imposes a six transfer/withdrawal limit per month, 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.

Step-it-Up Certificate (IRA available)

Minimum Term Rate APY*
$500 30 months 2.42% 2.45%

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.

*APY= Annual Percentage Yield (APY). APYs are accurate as of 12/12/2018 and are subject to change without notice. $500 minimum. 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. 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.

Term Share Certificates (IRA available)

$1,000 minimum
Term Rate APY*
6-11 months 1.14% 1.15%
12-23 months 1.74% 1.75%
24-35 months 1.88% 1.90%
36-47 months 1.93% 1.95%
48-59 months 1.98% 2.00%
60 months 2.13% 2.15%
$10,000 minimum
Term Rate APY*
6-11 months 1.24% 1.25%
12-23 months 1.83% 1.85%
24-35 months 1.98% 2.00%
36-47 months 2.03% 2.05%
48-59 months 2.08% 2.10%
60 months 2.23% 2.25%
$50,000 minimum
Term Rate APY*
6-11 months 1.29% 1.30%
12-23 months 1.88% 1.90%
24-35 months 2.03% 2.05%
36-47 months 2.08% 2.10%
48-59 months 2.13% 2.15%
60 months 2.27% 2.30%
$100,000 minimum
Term Rate APY*
6-11 months 1.34% 1.35%
12-23 months 1.93% 1.95%
24-35 months 2.08% 2.10%
36-47 months 2.13% 2.15%
48-59 months 2.18% 2.20%
60 months 2.32% 2.35%

*APY= Annual Percentage Yield (APY). APYs are accurate as of 12/12/2018 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 Share Certificate. 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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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.


Loan Rates

Adjustable Rate Mortgages ("ARM")

Product Rate APR**
3/1 ARM – 15-Year 4.250% 4.345%
3/1 ARM – 30-Year 4.250% 4.303%
5/1 ARM with Mortgage Insurance – 3% Down – One Point 4.875% 5.052%
5/1 ARM with Mortgage Insurance – 5% Down – One Point 4.750% 4.926%
5/1 ARM – 15-Year 4.500% 4.689%
5/1 ARM – 30-Year 4.500% 4.608%
7/1 ARM – 15-Year 4.750% 4.978%
7/1 ARM – 30-Year 4.750% 4.881%

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 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.

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.

**APR = Annual Percentage Rate Mortgage Loan rates and terms effective 12/12/2018 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 $625,500.00. 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.

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

Fixed Rate Mortgages

Product Rate APR
15-Year Fixed 3.750% 3.892%
15-Year Fixed with Mortgage Insurance – 3% Down – One Point 4.000% 4.293%
15-Year Fixed with Mortgage Insurance – 5% Down – One Point 4.000% 4.293%
1st TD 30-Year Fixed Rate 89% LTV – One Point 3.875% 4.167%
30-Year Fixed 4.500% 4.582%
30-Year Fixed with Mortgage Insurance – 3% Down – One Point 4.875% 5.081%
30-Year Fixed with Mortgage Insurance – 5% Down – One Point 4.750% 4.955%

APR = Annual Percentage Rate Mortgage Loan rates and terms effective 12/12/2018 and are subject to change without notice. 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 $625,500.00. 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.

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.

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

Home Equity Line of Credit

Standard Variable Rate Maximum Loan-to-Value Minimum/Maximum Loan Amount
As low as 5.50% 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 12/12/2018 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 5.50% and a maximum APR* of 18.00%. Estimated appraisal fee is $475. 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.

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

New and Used Car Loans

New Vehicle Loan – As low as 2.99% APR 
This is a fixed rate loan. 2.99% 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 72 months at 2.99% APR would be $152.09. Rates are based on credit rating. 2.99% APR does not apply to existing Christian Community Credit Union loans.
Pre-Owned Vehicle Loan – As low as 3.49% APR
This is a fixed rate loan. 3.49% 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 72 months at 3.49% APR would be $154.36. Rates are based on credit rating. 3.49% APR does not apply to existing Christian Community Credit Union loans.
Refinance / Lease Buy-Out / Cash Out Loan – As low as 3.99% APR
This is a fixed rate loan. 3.99% 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 72 months at 3.99% APR would be $156.66. Rates are based on credit rating.
Private Party Loan – As low as 4.99% APR
This is a fixed rate loan. 4.99% 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 72 months at 4.99% APR would be $161.33. Rates are based on credit rating. 4.99% APR does not apply to existing Christian Community Credit Union loans.

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

Personal Credit Line

As low as 10.00% 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 Wall Street Journal Prime Rate with a maximum APR of 18%. Rate effective 12/12/2018.

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

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.

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

Personal Credit Cards

Annual Percentage Rate (APR) for Purchases
0% introductory APR for purchases during the first 12 months. After that, 12.90% to 18.00% 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, 12.90% to 18.00%. Your APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Cash Advance
12.90% to 18.00%. This APR will vary with the market based on the Prime Rate.
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