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Welcome to Christian Banking

Finally, a full-service digital bank that cares for your financial health and is committed to advancing the Gospel around the world!

Supercharge your savings and earn up to 4.75% APY* with our Welcome CDs or select another premium product below.

Choose a Product that’s Right for You

Harvest High-Yield Checking

Earn an impressive 4.00% APY* high-interest rate on balances up to $5,000.¹ Qualifications apply.²
No minimum balance³ or monthly service fee
A portion of every dollar spent using your Visa debit card⁴ goes to ministries & missions

Welcome Certificates

Earn 4.75% APY* for 5 Months; and
4.50% APY* for 10 Months
$500 minimum to open; $250,000 maximum
New money only^‡

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.

Some of the Ministries We Support

“There is still at least one financial institution that shines GOD’s light in this seemingly ever-darkening world. That’s “MY” CCCU!”

– Ray W., Waco, TX

“Thank you again for all the work that Christian Community Credit Union does. As members for more than 50 years, we continue to be impressed by the skill and professionalism of the entire organization. We feel fortunate to be a part of such a worthy institution”

– Ken and Catherine, CA, (Member since 1968)

“When Christian Community Credit Union was working with us, we found them to be so flexible, so responsive, and they met a deadline that no one said that they could meet. And, they prayed for us.”

– JULIE SUPPLEE, CEO/PRESIDENT, HOUSE OF REFUGE, SUNNYSLOPE

Terms & Conditions

Harvest Checking: *APY = Annual Percentage Yield. APYs are accurate as of 12/21/2024 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.

Welcome Certificate: *APY= Annual Percentage Yield (APY). APYs are accurate as of 12/21/2024 and are subject to change without notice.
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 this Certificate. IRA not available for Welcome Certificate.  $500 minimum; $250,000 maximum.  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 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.

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 12/21/2024 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 19.24% – 33.24% 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 19.24% – 33.24% based upon your creditworthiness. Balance Transfer Fee is 3% of the amount transferred with a $15 minimum.