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Smart Money eNewsletter – Holiday Edition 2019

Smart Money eNewsletter Holiday Edition 2019

A Christmas Gift for You!

Get your FREE eBook called “The No-Nonsense Guide to Managing Your Money” and take control of your financial future. You’ll learn simple, no-nonsense tips to help you make the most of your money in a God-honoring way.

Download the eBook!

Home Loans

Get a Sweet Rate and FREE Gift on Your Home Loan

Can you smell the sweet aroma of savings? We just baked a fresh batch of new lower-rate Home Loans! Now’s a great time to buy a new home or refinance the one you’re in.

2.70% APR1: 5/1 ARM 30-Year Amortization2
3.83% APR1: 30-Year Fixed Rate Mortgage

Plus, get a FREE 8-piece wooden culinary set with apron when your home loan funds.3

Apply today!

5 Great Last-Minute Christmas Gift Ideas

5 Great Last-Minute Christmas Gift Ideas

Didn’t plan far enough ahead this Christmas? Or do you have some surprise guests coming over? We’ve got some great last-minute Christmas gift ideas that will fill stockings without emptying your wallet.

Read more!

Auto Loans

New Year, New Car

Make the most of year-end sales events and get into the driver’s seat of your new or pre-owned vehicle with Auto Loan rates as low as 2.75% APR.4 Plus, get a FREE emergency car kit when your Auto Loan funds.4

Get pre-approved today!

1. APR = Annual Percentage Rate. Mortgage Loan rates and terms effective 12/09/19. Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as a commitment to lend. Other conditions and restrictions may apply. NMLS ID Number is 504297. 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 depending on chosen loan program. 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.

2. For Adjustable Rate Mortgages: 5/1 Adjustable Rate is a 30-year amortization. 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. The amount of the initial monthly payments is based on an interest rate which may be less than the sum of the current index plus margin. Based on current market conditions, the fully indexed rate (once adjusted) is calculated by combining the margin and associated mortgage index.

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 loan-to-value ratio is 90% (PMI required) based on appraised value.

3. Free gift effective 12/09/19 and is subject to change without notice. Available on funded mortgage loan. Allow 4-6 weeks for delivery upon funding. One per household.

4. APR=Annual percentage rate. Rate and terms effective 12/09/2019 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 72 months: at 2.75% APR would be $151.01; at 3.25% APR would be $153.29. Rates are based on credit history and underwriting factors. 2.75% APR for new vehicles and 3.25% APR for pre-owned vehicles does not apply to existing Christian Community Credit Union loans. Free gift effective 12/09/19 and is subject to change without notice. Available on funded auto loan. Allow 4-6 weeks for delivery upon funding. One per household.

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

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