Saving for Your Future
Take advantage of our savings and money market account options that are designed to help you reach your financial goals, big or small! We believe in helping you manage your money in a way that brings you financial freedom while honoring God. That way, you can save more and earn more, so you can give generously to causes you care about.
Explore our Savings Account Options
Savings Account
It’s Time to Put Your Money to Work
Start with $100 and watch your money grow in your very own savings account.
- $100 minimum
- Immediate access to your funds
- No monthly fee when daily balance remains $100 and above
Harvest High-Yield Savings
Get an exceptional rate with immediate access to funds
Maximize your earnings with this variable tiered rate while you help fuel the growth of churches and ministries with every deposit you make.
- Earn 5.00% APY* high-interest rate on balances up to $5,000.
- $100 minimum to open
- No monthly fee
Start Young Savings
Build Smart Saving Habits Early
Start Young Savings helps kids set goals, save consistently, and learn stewardship—with parent support and the option to bundle with checking as they grow.
- Earn 0.10% APY dividend rate3
- $25 minimum to open
- Easy deposits and transfers to your child’s account
- No monthly maintenance fees or minimum balance
Money Market Account
Earn More for Your Savings
Start with $1,000 and earn even higher rates than a traditional savings account.
- Variable tiered-rate account
- $1,000 minimum to open ($100 for IRA)
- Immediate access to your funds
- No monthly fee when daily balance remains $1,000 or above
High-Yield Money Market Promotion
Grow Your Savings Faster with a High Rate!
For a limited time, you can earn an exceptional 4.00% APY* on balances up to $100,000 for 12 months!5
- $1,000 minimum to open
- Six free withdrawals per monthly statement cycle
- No maintenance fees
Premium Money Market Account
Immediate Access to Your Money at a Great Rate
Start with $10,000 and earn premium rates, while you watch your money grow.
- Variable tiered-rate account
- $10,000 minimum; $250,000 maximum
- Immediate access to your funds
- Check writing available
- No monthly fee when your daily balance remains $10,000 or above
Compare Our Rates to the Big Banks!
Savings Goal Calculator
Use this free savings calculator to help you figure out how your money can grow over time based on APY rate.
Terms & Conditions
APY = Annual Percentage Yield. APYs are accurate as of 01/08/2026 and are subject to change without notice. Fees may reduce earnings.
1. Savings Account: $100 minimum to open. 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.
2. Harvest Savings: $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. Tiered -based savings account. 5.00% APY will be paid on balances up to $5,000. Balances between $5,000.01-$10,000 will earn the lower dividend rate of 2.25% APY. Balances $10,000.01+ will earn the dividend rate of 0.10% APY.
3. Start Young Savings: APY = Annual Percentage Yield. APYs are accurate as of 01/08/2026 and are subject to change without notice. Fees may reduce earnings. APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account, based on the dividend rate and frequency of compounding, in a 365-day period. CCCU dividends are compounded daily and paid monthly. The APY and dividend rates are variable and subject to change after the account is opened. There is no minimum balance requirement to obtain the disclosed APY for Start Young Savings accounts.
4. Money Market Account: $1,000 minimum. 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.
5. High-Yield Money Market Promotion: 1APY = Annual Percentage Yield. APYs are accurate as of 01/08/2026 and are subject to change without notice. APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account, based on the dividend rate and frequency of compounding, in a 365-day period. CCCU dividends are compounded daily and paid monthly. The APY and dividend rates are variable and subject to change after the account is opened.
This Promotional Offer is effective 01/08/2026, for all new and existing Christian Community Credit Union (CCCU) Members and can end at the discretion of CCCU at any time without prior notice.
The promotional rate is paid monthly at a dividend rate of 3.923% resulting in an APY (Annual Percentage Yield) of 4.00% on balances up to $100,000. Promotional rate and cap are subject to change. Promo account will automatically convert to standard Money Market Account after 12 months.
• Must be at least 18 years old
• Open a NEW High-Yield Money Market Account with a $1,000 opening deposit
• Funds deposited in the High Yield Money Market Account must be new money.✝
• Balances above $100,000 will earn the same dividend as CCCU Savings Account of 0.10%.
• Limit ONE High-Yield Money Market Account per member
• There is a maximum limit of six (6) withdrawals per month. A fee of $6.00 per item more than six (6) withdrawals per month.
✝New money is money that is not presently on deposit at Christian Community Credit Union. Existing 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 judgement as to whether or not the funds deposited are considered new money.
*Click HERE for Complete Terms and Conditions for the High-Yield Money Market Promotion
Promotional Offer Summary: A CCCU member that opens a New Member Money Market Hi-Yield Account can earn 4.00% APY (“Promotional Rate”) on balances up to $100,000.00 (“cap”) for up to 12 months from account opening if that member meets the terms and conditions as stated below. Promotional rate, cap, and terms are subject to change.
- Offer Period. This Promotional Offer is effective beginning January 1, 2026, and can end at the discretion of CCCU at any time without prior notice.
- Account Holder Requirements to receive the promotional rate: a) You must:
i) Be at least 18 years old
ii) Agree to the terms and conditions of this Promotional Offer
iii) Funds deposited in the New Money Market Hi-Yield Account must be new money. Minimum opening balance $1,000.00 required.
iv) Balances above $100,000 will earn the same dividend as CCCU Savings Account of 0.10%.
v) Limit ONE New Money Market Hi-Yield Account per member.
Account Disclosures: Features and benefits of the New Money Market Hi-Yield Account are the same as the Money Market account except for the dividend rate and balance cap. For complete information on features, benefits, and current rates for the qualified account in this offer please see the product descriptions here: Money Market Accounts. Standard account rates and terms, including Money Market rates, are subject to change.
There is a maximum limit of six (6) withdrawals per month. A fee of $6.00 per item will be assessed for any withdrawals that exceed this monthly limit.
Refer to CCCU Truth and Savings and Fee Schedule for account and fee information outside of this Promotional Offer. - Service Fee, Promotional Rate and Balance Cap – The New Money Market Hi-Yield Account does not have a monthly service fee. The promotional rate is paid monthly at a dividend rate of 3.923% resulting in a APY¹ of 4.00% on balances up to $100,000.00. Balances above $100,000 will earn the same dividend as a CCCU Savings Account of 0.10%. Promotional rate, cap, and other terms are subject to change without notice.
- Payment of Dividends – CCCU dividends are compounded daily and paid monthly. Withdrawal of dividends and fees may reduce earnings on this account.
- IRS Reporting – All dividends paid under this Promotional Offer may be subject to IRS reporting. Any applicable taxes are the responsibility of the recipient.
- Additional Eligibility Restrictions – This Promotional Offer is for new and existing CCCU members.
- Reservation of Rights – CCCU reserves the right to withhold the fulfillment of any dividends where the requirements were met fraudulently or obtained through the misuse of this offer or in a manner not in keeping with the terms and conditions or the spirit of the offer (promotional rate for new money to CCCU). Money leaving CCCU and coming back for the sole purpose of taking advantage of this promotion is prohibited. CCCU will assess the integrity of new money by reviewing factors including but not limited to external deposits and average balances over time across CCCU accounts, including accounts owned by joint owners of the New Money Market Hi-Yield Account owner’s other accounts. Accounts found to be in violation of the new money requirement or other terms and conditions will be converted to Money Market Accounts or closed. In the event of any conflict between these Terms and Conditions and any other material describing this Offer, these Terms and Conditions shall control.
¹ APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account based on the dividend rate and frequency of compounding in a 365-day period. CCCU dividends are compounded daily and paid monthly. Withdrawal of dividends and fees may reduce earnings on this account. ²New 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 judgement as to whether or not the funds deposited are considered new money.
6. Premium Money Market Account (PMMA): $10,000 minimum. IRA Available: Minimum to open for IRA is $10,000. 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. Fees may reduce earnings.