Welcome Echo Church Employees

Offer effective  01/20/2025 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.

Business Visa^® Rewards Guide to Benefits ▸
Travel Accident Insurance ▸
View Terms and Conditions ▸
Credit Card Agreement ▸
‡ CURewards Points earned will be credited to your account each month, will accrue over five calendar years, and expire on a first-in-first-out basis annually. Points earned in calendar year one will expire as of the last day of calendar year five.
*APR=Annual Percentage Rate. Rates and terms effective 01/20/2025 and are subject to change without notice. 
1) 1.5% cash back with CURewards. 1.5 CURewards points are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account.
2) To qualify for the $300 cash rewards bonus, a total of at least $3,000 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 17.99% based upon your creditworthiness. 
4) Balance Transfer fees waived.

*APR=Annual Percentage Rates effective 01/20/2025 and is subject to change without notice. This is a fixed-term, closed-end loan and reflects the 0.25% discount for members using automatic payment with their Christian Community Credit Union Checking Account. Rates range from 8.99%–23.99% APR with automatic payments or 9.24%–24.24% APR without automatic payment for loan terms of 24 – 60 months. Tiered rate based on credit score. Not all borrowers will qualify for the lowest rate. Other conditions may apply. Monthly payment for $10,000: for 36 months at 8.99% APR (with autopay) would be $319.15; for 60 months at 10.99% APR would be $218.39. Estimated payments are for illustrative purposes only and assume you pay on time. Loan cannot be used to pay other existing Christian Community Credit Union loan balances.

Personal Loan | Repayment Example. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.99%–23.99% APR. It works out to 24 monthly payments ranging from $1,375.54–$1,601.64 for a total amount of payments ranging from $33,012.96–$38,439.17. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. No origination and prepayment fees. 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.

*APY= Annual Percentage Yield (APY). APYs are accurate as of 01/20/2025 and are subject to change without notice.
$500 minimum; $250,000 maximum. New money only. 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 Certificate. At maturity, the Certificate will renew into a 12-month Term Certificate at the prevailing rate. A penalty will be imposed on early withdrawals from Certificates. IRA not available for Welcome 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.

*APR=Annual percentage rate. Rate and terms effective 01/20/2025 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 01/20/2025 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 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.