Texas, Welcome to Christian Banking.
Join thousands of Christians across Texas and the U.S. who are rising up in the “big bank exodus” and finding a new home at Christian Community Credit Union (CCCU). As America’s #1 Biblical banking solution, we offer full-service digital banking. Get started by selecting a premium product below.
Choose a Product that’s Right for You
Texas CD Special
For You & Your Family
5.40% APY*
Start strong and build your savings.
Offered at a special high rate to help members earn more for the future.
- 5 months
- $500 minimum to open; $250,000 maximum
- New money only‡
Ministry/Business Texas CD Special
5.40% APY*
Give your ministry’s savings the head start it deserves!
An excellent option for organizations looking for short-term investments with guaranteed returns.
- 5 months
- $500 minimum to open; $250,000 maximum
- New money only‡
Harvest High-Yield Checking1
- Earn an impressive 4.00% APY* high-interest rate on balances up to $5,000.4 Qualifications apply.5
- No minimum balance4 or monthly service fee
- A portion of every dollar spent using your Visa debit card6 goes to ministries & missions
Cash Rewards Visa®
- Get 1.5% Cash Back on every purchase1
- Get $200 when you spend $750 in the first 3 months2
- 0% APR* intro & balance transfer rate for the first 6 months3
- No annual fee
- Every swipe gives to Christian charities!
Why CCCU?
We are Unapologetically Christian
Not just in name but in the way we do business. Our Board and executive team follow sound principles rooted in scripture.
We Finance for Gospel Impact
When you bank with CCCU, your money is used to finance church & ministry growth. Plus, we donate to Christian charities that work to spread the Gospel!
We’re Member- Driven
At CCCU, you’re both a member & owner. As such, not only are we committed to providing you with God-honoring service, profits are returned to you in the form of better rates & fees.
We are in your Neighborhood
We’re part of the Co-op Network with 30,000+ Surcharge-Free ATMs & over 5,600 Shared Branches nationwide.
Switching to CCCU is Simple
A Resource Guide to Make the Switch
Want to take the next step but not sure how to start? Download our switch kit to make the transition easier. Bank with your values and start the switch process today!
Resources
CCCU vs. Big Banks — 3 Things to Know
Chances are, you’re reading this blog as a current customer of what is often times referred to as the “big banks.” These banks include brands such as: Bank of America,…
Stronger Together: How Your Membership Helps Ministries & Churches Grow
Christian Community Credit Union (CCCU) is a truly unique banking experience because every member is unified as believers in supporting goals that help advance God’s Kingdom, such as spreading the…
Banking With Your Values: How CCCU Advances the Gospel
What if your bank was more than just a facilitator of funds? What if it could be a catalyzer of God’s work around the globe? That’s the solution Christian Community…
“Big Banks” In the News
Bank of America closes accounts tied to Christian outreach ministry.
Discover CEO’s sudden exit follows a wave of compliance issues.
Bank of America to pay $250 million for illegal fees, fake accounts.
Terms & Conditions
Texas CD Special: *APY= Annual Percentage Yield (APY). APYs are accurate as of 04/18/2025 and are subject to change without notice.
At maturity, the certificate will renew into a 12-month Term Share Certificate of Deposit (CD) at the prevailing rate. A penalty will be imposed on early withdrawals from this Certificate of Deposit. IRA not available for Texas CD Special. $500 minimum; $250,000 maximum. Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. Fees may reduce earnings. No additional deposits can be made during the term of the Share CD. 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.
Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 04/18/2025 and are subject to change without notice. Fees may reduce earnings.
1. No minimum balance required after required $100 opening deposit. Higher-yield APY will be paid on maximum balance of $5,000. Balances in excess of $5,000 will earn the lower dividend rate of 0.05%.
2. Qualification criteria for higher APY: 1) You must register for e-statements 2) Have an active online banking 3) Have an activated Christian Community Credit Union (CCCU) debit card and a CCCU credit card AND 4) $500 in accumulated deposits during the month.
3. Applies to Visa debit signature-based transactions.
Membership Eligibility is required. New and converted accounts will receive the higher APY for at least the first dividend cycle. After that, if you do not meet all of the qualification criteria, the account will earn the lower dividend rate 0.05%. Fees may reduce earnings. Limit: One Harvest Checking account per Member.
Cash Rewards: * Interest Rates and Fees▸ (APR=Annual Percentage Rate)
Visa®/MasterCard Credit Card Agreement▸
Visa® Secured Credit Card Agreement▸
Eligibility to apply for the Cash Rewards Visa® is based on your affiliation with a qualifying Christian church, ministry, or school.
*APR=Annual Percentage Rate. Rates and terms effective 04/18/2025 and are subject to change without notice.
1) 1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account.
2) To qualify for the $200 cash rewards bonus, a total of at least $750 in net purchases (purchases minus returns/credits) must post to your account within three months from the date your account is opened.
3) 0% Introductory APR on purchases for 6 months, then a variable APR of 20.24% – 34.24% based upon your creditworthiness. 0% Balance Transfer APR for six months when balances are transferred during the first 60 days of account open date, then the variable APR of 20.24% – 34.24% based upon your creditworthiness. Balance Transfer Fee is 3% of the amount transferred with a $15 minimum.