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Smart Money eNewsletter – Winter 2020

Smart Money Winter 2020

$90,000 Available!

Do you or someone you know need money for college? Our “Scholarships for Success” program can help. We’re awarding $90,000 in scholarships in 2020! Apply early… applications are due March 31, 2020.

Learn more!

Smart Money Winter 2020 Smart Money

Avoid the Comparison Game

Comparing ourselves to others is hard to avoid, and hard on our finances. Depending on how much you use social media, you may receive constant updates about your friends’ latest vacations, home remodeling projects, or purchases. If you’re not careful, it can lead you to overspend. What’s a person living in our always-connected culture to do? Here are some suggestions.

Read more!

Smart Money Winter 2020 Home Loans

RATE DROP ALERT! Looking for a Sweet Rate on Your Home Loan?

Stop and smell the sweet aroma of savings! We’ve baked a fresh batch of new lower-rate home loans making it a great time to buy a new home or refinance the one you’re in.

2.58% APR1: 5/1 ARM 30-Year Amortization2
3.58% APR1: 30-Year Fixed Rate Mortgage

FREE GIFT! When your home loan funds, you’ll get a FREE 8-piece wooden culinary set with apron.3

Apply today!

Smart Money Winter 2020 Money Thing

Student Loans 101

In our “It’s a Money Thing” video series, Jen and her friend learn the difference between federal and private student loans. Which student loan option will be best?

Watch video!

1. APR = Annual Percentage Rate. Mortgage Loan rates and terms effective 02/07/20. 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 02/07/20 and is subject to change without notice. Available on funded mortgage 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 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

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