Welcome Echo Church Employees

Offer effective  12/21/2024 and is subject to change without notice.

1. No minimum balance required after $100 opening balance.
2. ATMs available through the CO-OP Network. A surcharge fee from the ATM owner may apply on non CO-OP ATMs.
3. One CURewards point for every $2 in signature-based purchases with the Visa Debit Card. If you do not qualify for a Visa Debit Card, you may receive an ATM Card. No CURewards points are earned using an ATM Card.

Offer effective  12/21/2024 and is subject to change without notice.

1. No minimum balance required after $100 opening balance.
2. ATMs available through the CO-OP Network. A surcharge fee from the ATM owner may apply on non CO-OP ATMs.
3. A separate application is required and only authorized signers on the account can be cardholders.

APY = Annual Percentage Yield. 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.

*APY = Annual Percentage Yield. APYs are accurate as of 12/21/2024 and are subject to change without notice. $100 minimum to open. Variable rate account with easy access and maximum liquidity.  There is a $5.00 monthly service fee if the balance falls below $100.00. No fee for Custodian Accounts under age 18. 

*APR=Annual percentage rate. Rate and terms effective 12/21/2024 and are subject to change without notice.
1. New & Used Vehicle: 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 60 months: at 6.99% APR would be $198.53. Refinances for existing Christian Community Credit Union loans will require a $2,500 cash out, if the vehicle has good value. Not all borrowers will qualify for the lowest rate. Rates are based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage. 
Rate Increase to Base Rate 
• Add 0.50%  for every 5% above Base Loan-to-Value (LTV) limit; subject to Out-the-Door (OTD) LTV limits (max 10% above base LTV) 
• Add 0.50% if vehicle is over 100K miles 
• Add 0.50% if model year is 10 years or older for credit score below 660 
2. Applicants with a credit score of at least 780. 

* 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.