Stewardship@Work
Get up to a $1,700 Bonus!*
Exclusive to Samaritan’s Purse Employees
Rooted in shared Christian values, Samaritan’s Purse has partnered with Christian Community Credit Union (CCCU) to offer its employees a special program that goes beyond traditional banking.
Introducing Stewardship@Work—a financial solutions package designed to help you save and manage your money so you can live and give more abundantly.
Stewardship@Work Benefits
Get Up to a $1,700 BONUS*
Use Group Code “SP24” on Your Application to Receive Full Benefits
Harvest High-Yield Checking
Get $100
- Earn an impressive 4.00% APY* high-interest rate on balances up to $5,000.1 Qualifications apply.2
- Get a $100 bonus* when you register for digital banking and enroll in eStatements2
- No minimum balance1 or monthly service fee
- A portion of every dollar spent using your Visa debit card3 goes to ministries & missions
NOTE: Normal requirement to have a CCCU credit card for the 4.00% APY* is WAIVED.
Welcome CDs
5.25% APY* – 5 Months
5.00% APY* – 10 Months
Get $100
Start strong, build savings, and get a bonus!
Offered at a special high rate to help members earn more for the future.
- Get $100 bonus* when you open a CD with over $5,0001
- $500 minimum to open; $250,000 maximum
- New money only‡
Cash Rewards Visa®
Get $200
- Get 1.5% Cash Back on every purchase1
- Get $200 bonus* when you spend $750 in the first 3 months2
- 0% APR* intro & balance transfer rate for the first 6 months3
- No annual fee
- Every swipe gives to Christian charities!
Use Group Code “SP24” on Your Application
Auto Loans
Get $200
Looking for a new car, truck, SUV, RV, or pre-owned vehicle? We can get you where you want to go with our affordable low-rate loans. Get pre-approved in 90 seconds and see how much you can save!
- Low-rate auto loans as low as 6.99% APR1
- Finance up to 135% of the car’s value2 for up to 84 months
- 0.25% discount for new members OR for using automatic payments from a CCCU Checking Account
- Get a $200 bonus* when you get an auto loan or refinance an existing one3
Home Loans
Get $1,000 Closing Credit
When you’re ready to buy that new dream home, we’re here to help you every step of the way.
- Get $1,000 credit on your closing costs1
- Rates as low as 6.952% APR*
- Adjustable & Fixed-Rate Mortgages
- 3% & 5% down payment options available
First Anniversary Perk
Get $100
As an active member of CCCU, you’ll get a $100 bonus* on your first anniversary of membership.
Why CCCU?
We are Unapologetically Christian
Not just in name but in the way we do business. Our Board and executive team follow sound principles rooted in scripture.
We Finance for Gospel Impact
When you bank with CCCU, your money is used to finance church & ministry growth. Plus, we donate to Christian charities that work to spread the Gospel!
We’re Member- Driven
At CCCU, you’re both a member & owner. As such, not only are we committed to providing you with God-honoring service, profits are returned to you in the form of better rates & fees.
We are in your Neighborhood
We’re part of the Co-op Network with 30,000+ Surcharge-Free ATMs & over 5,600 Shared Branches nationwide.
Press Articles
AMERICAN FAMILY NEWS
Survey suggests Christian customers know banking business matters
As big banks, such as JP Morgan Chase, close accounts of Christian organizations, more and more people are becoming frustrated, according to a survey conducted by a faith-based credit union.
THE CHRISTIAN POST
Should Christians take their money out of banks that don’t share their values?
Credit union survey finds at least one-third are considering changes amid ‘de-banking’ trend.
ETERNAL AFFAIRS MEDIA
As Debanking Increases, Christian Community Credit Union Research Shows Christians are Choosing to Bank with Their Values
CCCU Research Initiative Shows Christians Find Conflict in Faith Values with Major Banks.
PROPHECY NEWS WATCH
Is a Big Bank Exodus Coming?
Is it possible that Christians are now considering an exodus away from their familiar ‘big banks’ in order to better align with Christian values? Initial signs are saying yes.
THE WASHINGTON TIMES
Building a culture of generosity in your family?
Values such as unconditional love, honesty, and faith are certainly the cornerstones of a strong family unit. However, in today’s increasingly individualistic society, there is one value that yields lasting returns…
Terms & Conditions
*Special bonus offers will be deposited after 60 days once approval of membership eligibility and product requirements have been met. Bonus offer available to U.S. residents. Bonus is considered taxable income and the recipient is responsible for reporting the amount to the IRS.
1) Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 05/02/2024 and are subject to change without notice. Fees may reduce earnings.
1.   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%.
2. Qualification criteria for higher APY and bonus: 1) You must register for e-statements 2) Have an active online banking 3) Have an activated Christian Community Credit Union (CCCU) debit card AND 4) $500 in accumulated deposits during the month.
3. 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.
2) Welcome Certificate: *APY= Annual Percentage Yield (APY). APYs are accurate as of 05/02/2024 and are subject to change without notice.
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 this Certificate. IRA not available for Welcome Certificate.  $500 minimum; $250,000 maximum.  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. Â
1. Bonus will be deposited after 60 days with an account opening of over $5,000.
‡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.
3) Cash Rewards: * Interest Rates and Fees▸ (APR=Annual Percentage Rate)Â
Visa®/MasterCard Credit Card Agreementâ–¸Â
Visa® Secured Credit Card Agreementâ–¸Â
Eligibility to apply for the Cash Rewards Visa® is based on your affiliation with a qualifying Christian church, ministry, or school.Â
*APR=Annual Percentage Rate. Rates and terms effective 05/02/2024 and are subject to change without notice.Â
1. 1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account.
2. To qualify for the $200 cash rewards bonus, a total of at least $750 in net purchases (purchases minus returns/credits) must post to your account within three months from the date your account is opened.Â
3. 0% Introductory APR on purchases for 6 months, then a variable APR of 20.24% – 34.24% based upon your creditworthiness. 0% Balance Transfer APR for six months when balances are transferred during the first 60 days of account open date, then the variable APR of 20.24% – 34.24% based upon your creditworthiness. Balance Transfer Fee is 3% of the amount transferred with a $15 minimum.
4) Auto Loans: 1.*APR=Annual percentage rate. Rate and terms effective 05/02/2024 and are subject to change without notice.
This is a fixed rate loan and reflects the 0.25% discount for new members OR for members using automatic payments from a Christian Community 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 6.99% APR would be $198.53. 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.Â
Rate Increase to Base RateÂ
• 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)Â
• Add 0.50% if vehicle is over 100K milesÂ
• Add 0.50% if model year is 10 years or older for credit score below 660Â
2. Applicants with a credit score of at least 780.
3. Must be subject to credit approval to be eligible for bonus. Bonus will be dispersed at time of funding.
5) Home Loans/Mortgage: *APR = Annual Percentage Rate Mortgage Loan rates and terms effective 05/02/2024 and are subject to change without notice. Subject to credit approval. 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 $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 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.”
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.
1. Bonus distributed in the form of credit with closing costs.
6) First Anniversary Bonus: Applies to active CCCU Membership only. For a definition of an “active” CCCU member, please visit myCCCU.com/active-member.