Earn Market-Leading Rates
Christian Community Credit Union (CCCU) invests your deposits into the lives and ministries of our membership. When you deposit your money at the Credit Union, you help provide affordable financing to individuals, churches and ministries so they can thrive!
Explore our Deposit Account Options
Step-It-Up Certificate  
2.00% APY* 
Worried About Missing out on Rate Hikes?
Our Step-It-Up Certificate is the answer! You can STEP UP your certificate’s rate one time per term. 
- 30 months  
- $500 minimum opening deposit 
Liquid Certificate  
1.90% APY*
Enjoy More Freedom with our Liquid Certificate!
The great rate helps you grow your savings. And easy access means you’re never far from your cash! 
- 15 months  
- $2,000 new money minimum, $250,000 maximum 
- Penalty-FREE withdrawals 
Term Share Certificates 
Save More and Earn More with More Choices!
Terms from six months to five years are available. 
- Dividends are compounded daily and paid monthly 
- Automatic renewal 
- Choose to have interest compounded or automatically deposited to your checking or savings account 
- Minimum opening balance of $1,000
Term Share Certificates Rates (IRA available)3
| Terms | $1,000 Min. | $1,000 Min. | $10,000 Min. | $10,000 Min. | $50,000 Min. | $50,000 Min. | $100,000 Min. | $100,000 Min. |
|---|---|---|---|---|---|---|---|---|
| Rate | APY* | Rate | APY* | Rate | APY* | Rate | APY* | |
| 6 – 11 months | 2.23% | 2.25% | 2.32% | 2.35% | 2.37% | 2.40% | 2.42% | 2.45% |
| 12 – 23 months | 2.62% | 2.65% | 2.71% | 2.75% | 2.76% | 2.80% | 2.81% | 2.85% |
| 24 – 35 months | 3.59% | 3.65% | 3.68% | 3.75% | 3.73% | 3.80% | 3.78% | 3.85% |
| 36 – 47 months | 2.81% | 2.85% | 2.91% | 2.95% | 2.96% | 3.00% | 3.01% | 3.05% |
| 48 – 59 months | 2.96% | 3.00% | 3.05% | 3.10% | 3.10% | 3.15% | 3.15% | 3.20% |
| 60 months | 2.37% | 2.40% | 2.47% | 2.50% | 2.52% | 2.55% | 2.57% | 2.60% |
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
- New money only^
Bundle Offer: You can transfer Existing Funds to open a Premium Money Market Account (PMMA) when bundled with a Term-Share Certificate with New Money5. Certificate balance at the time of opening the account must match PMMA.
Money Market Account
Earn Even Higher Rates Today
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
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  02/09/2025 and are subject to change without notice. APY assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. At maturity, the share certificate will renew into a 12-month (24 months for Step-it-Up), regular, term share certificate at the prevailing rate. A penalty will be imposed on early withdrawals from share certificates and no additional deposits can be made during the term of the share certificate except for Liquid Certificate. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.
1. Step-it-Up CD: 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.  $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. 
2. Liquid CD: $2,000 minimum; $250,000 maximum. New money only.‡ APY assumes that dividends remain in the account until maturity. 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. 
 ‡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. Term Share CDs: 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. 
4. IRA Available: A penalty will be imposed on early withdrawals from certificates.
5. Premium Money Market Account (PMMA): Variable rate account with easy access and maximum liquidity. Option 1: Eligible to transfer existing CCCU shares into a PMMA when a Term Certificate is opened up with new money^ of an amount equal to the funds that were transferred from the existing CCCU share account(s) into the PMMA. Additional deposits into the PMMA up to the $250,000 maximum must also be new money^. Option 2: Bring in new money^ to open a PMMA. Additional deposits into the PMMA up to the $250,000.00 maximum must also be new money^. ^New money is money that is not presently on deposit at Christian Community Credit Union. The Credit Union reserves the right to make the sole judgment as to whether or not the deposited funds are considered new money.
Variable rate account with easy access and maximum liquidity. 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.
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.
6. Bundle Offer: Rate changes are solely within the discretion of the Board of Directors and subject to change without notice. Variable rates are subject to change after the account is opened and is accurate as of the last dividend declaration period. Dividends are compounded daily and will be credited monthly on all dividend bearing-accounts. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. Fees or other conditions could reduce earnings.
7. Money Market Account: $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.