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Savings & Certificates

Your Money Building God’s Kingdom!

At Christian Community Credit Union, we share your values. We believe in helping members become better stewards through blending faith and finances so they can achieve their financial goals and live a more generous life. Those principles shape everything we do. We provide  financial management resources and services to help members save for the future and manage their debt and spending wisely.

We offer higher-earning savings accounts, certificates, and money market accounts that can help you reach your financial goals. But more importantly, we put your money to work building God’s Kingdom. Your deposits help provide affordable loans to churches, ministries, and their members.

Compare our rates ▸

4% APY* New Member Welcome Certificate

Must be opened within 30 days of joining the credit union. 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.*

  • 18 months
  • $500 minimum; $2,500 maximum per member
  • One certificate per new member

*Terms & Conditions

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! 2.30% APY* Liquid Certificate

The Penalty-Free Certificate has been enhanced with our new Liquid Certificate! Your money stays liquid with a great rate, plus easy access and maximum liquidity.

  • 15 months
  • $2,000 minimum
  • Penalty-FREE withdrawals
  • UNLIMITED Deposits±

*Terms & Conditions

*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.

2.45% APY* Step-it-Up Certificate

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. A penalty will be imposed on early withdrawals from certificates.

  • 30 months
  • $500 minimum

*Terms & Conditions

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.

Savings Account

Do you have an Emergency Fund to cover the unexpected? Make your money work for you with our interest-bearing Savings Account. With a low minimum daily balance of $100, you can save for that emergency fund and for short or long-term goals without a monthly service fee.

  • $100 minimum to open
  • Immediate access to your funds
  • $5 monthly fee when the daily balance falls below $100

SmartStart Savings Account for Kids also available! Learn More▸

Terms & Conditions

APY = Annual Percentage Yield. APYs are accurate as of 12/12/2018 and are subject to change without notice.

$100 minimum to open. 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 (Regular & IRA)

Get security and accessibility to your funds while earning higher interest rates on this variable tiered rate account.

  • Variable tiered rate account
  • $1,000 minimum to open ($100 for IRA)
  • Immediate access to your funds
  • $10 monthly fee when the daily balance falls below $1,000

Terms & Conditions

APY = Annual Percentage Yield. APYs are accurate as of 12/12/2018 and are subject to change without notice.

$1,000 minimum. 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.

Term Share Certificates

Fixed-rate term certificates earn high rates for the term of your choice anywhere from six months to five years

  • Dividends are compounded daily and paid monthly
  • Automatic renewal
  • Choose to have interest compounded or automatically deposited to your checking or savings account
  • A penalty will be imposed for early withdrawal from certificates*
  • Minimum opening balance of $1,000

Terms & Conditions

*APY = Annual Percentage Yield. 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.

Certificate Laddering—Maximize Your Savings

Climb up to higher savings with the Certificate Ladder Principle!

“Laddering” means owning multiple bank certificates of deposit that have different maturity dates. That way, you can build your savings and maximize your legacy without tying up all of your money for the long term.

Learn More ▸

Switch Kit

Thank you for joining our family! We invite you to do even more with your money by moving your other checking and credit card accounts to the Credit Union. Our Switch Kit makes moving your accounts fast, simple, and convenient. The Switch Kit will help you:

  • Get organized
  • Move your direct deposits and automatic payments
  • Close your old accounts
  • Transfer your credit card balance

Download Christian Community Credit Union’s Switch Kit ▸


Automatic Savings Plan

Let us help you reach your financial goals! Each month, we can transfer money from your Christian Community Credit Union checking account to your savings, money market, or IRA account. If you’d like to set up automatic savings, please fill out the authorization form and mail it to us.

Download authorization form ▸


Switch to eStatements Today

Save time and paper with eStatements! You’ll get your statements faster, and you can still save or print out a copy. Register to get an eMail when your statements are ready for viewing. It’s quick and easy! And, you’ll also enjoy online archival storage for up to 12 months.

Learn More ▸


Direct Deposit—Fast and Convenient

Make your financial stewardship simple! We can make deposits electronically when you choose direct deposit for your payroll, Social Security, or pension check.

Sign up for Direct Deposit ▸


Fee schedule | Truth in Savings


*Certificate Early Withdrawal - Terms & Conditions

Early Withdrawal Penalty: We may impose a penalty if you withdraw principal from your account before the maturity date. The penalty imposed shall be as follows:

  • If the qualifying period is 12 months or less, you will be assessed the Early Withdrawal Penalty Fee as stated on the Fee Schedule, plus forfeit an amount equal to all dividends for 90 days on the amount withdrawn;
  • If the qualifying period is 13 to 24 months, you will be assessed the Early Withdrawal Penalty Fee as stated on the Fee Schedule, plus forfeit an amount equal to all dividends for 120 days on the amount withdrawn; or
  • If the qualifying period is more than 24 months, you will be assessed the Early Withdrawal Penalty Fee as stated on the Fee Schedule, plus forfeit an amount equal to all dividends for 180 days on the amount withdrawn.

An early withdrawal penalty could reduce your initial investment.

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