$52,000 Donated for Disaster Relief, Anti-Human Trafficking and Bible DistributionThanks to our members using their “Cards that Give to Missions and Ministries,” we recently donated $52,000 to the following organizations in their efforts with disaster relief, combatting modern-day slavery and distributing Bibles:

• Hurricane Michael: $5,000 to National Credit Union Foundation CUAid • Indonesia Earthquake: $5,000 to Mission Aviation Fellowship • Hurricane Florence: $5,000 to American Baptist Churches USA • Hurricane Maria and Irma: $5,000 to American Baptist Home Mission Societies for “Rebuilding, Restoring, and Renewing Puerto Rico” project • Laos Flooding: $10,000 to Operation Mobilization • Freeing oppressed and enslaved women and children worldwide: $10,000 to Freedom Challenge • Helping victims of human trafficking in southern California rebuild their lives: $10,000 to Rebirth Homes • Bible distribution to at-risk children in Bulgaria: $2,000 to Global Impact Network

“It’s a blessing to partner and support these ministries as they bring help, hope, and Christ’s love to those in need,” said David Estridge, Christian Community Credit Union Executive Vice President.

To learn more about our global giving, visit myCCCU.com/global-impact

$70,000 Available in ScholarshipsDo you or someone you know need money for college? Our multi-year “Scholarships for Success” program offers a maximum lifetime scholarship of $6,000. Application period begins 02/01/19 and ends 03/31/19!

Visit myCCCU.com/scholarship

A farmer drives cattle through a flooded road in Laos caused by a dam collapse. (Source: Operation Mobilization)

Mission Aviation Fellowship transported medical supplies to teams holding health clinics for people displaced by the earthquake in Palu, Indonesia. (Photo source: LuAnn Cadd, MAF)

Earn Higher Rates for a Higher PurposeGot deposits elsewhere that aren’t earning much? Move them to the Credit Union and earn more for your money. And, with our NEW Liquid Certificate, your money stays liquid with penalty-free withdrawals, unlimited deposits,1 and a great rate.

Now’s a great time to save more and earn more! Plus, your money helps provide affordable loans to churches, ministries, and their members. Earn higher rates and make a difference with your money!

Open your Certificate today! Visit myCCCU.com/savings

4.58%APR2

30-YEAR FIXED MORTGAGE

3/1 ARM 30-YEAR MORTGAGE

4.30%APR2

Low-Rate Home Loans A home is more than an address. It’s a place where dreams come true. Whether you’re buying your first home or refinancing it, our affordable mortgage loans can save you money.

Apply today and save! Visit myCCCU.com/mortgage

YOUR MONEY @WORK

WINTER2019

Overwhelmed With Debt?Now that the holidays are over and the bills are piling up, don’t let debt overwhelm you. Our partner GreenPath Financial Wellness offers free credit and debit counseling to help ease your financial stress, address your financial concerns, and develop a plan for living a financially healthy life in 2019 and beyond. Take the first step to becoming debt-free today!

Visit myCCCU.com/greenpathfinancial or call 877.337.3399.

1. APY=Annual Percentage Yield. APYs are accurate as of 12/19/18 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. 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. For specific certificate terms and conditions, visit myCCCU.com/savings. Liquid Certificate: $2,000 minimum. New money only. Unlimited deposits are accepted during the term of the certificate. 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. Deposits cannot be a transfer from existing funds with Christian Community Credit Union. Not available for IRA accounts. 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. Step-it-Up: $500 minimum. If the standard rate increases on a 30-month certificate, you can STEP UP your rate once during the term. 2. APR=Annual Percentage Rate. Mortgage Loan rates and terms effective 12/19/18. Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as a commitment to lend. Other conditions and restrictions may apply. NMLS ID Number is 504297. New purchase money maximum loan-to-value (LTV) ratio is 97%. Private Mortgage Insurance (PMI) is required on loans over 80% LTV. For refinance loans with cash out, the maximum loan-to-value ratio is 90% (PMI required) based on appraised value. All rates apply to single family dwellings that are owner occupied. Closing costs are associated with this loan. The APR is based on loan amounts up to $625,500.00 depending on chosen loan program. The loan may be refinanced at any time. Loan approval subject to credit, income, and property appraisal. Points and other fees may be associated with this loan. Adjustable Rate Mortgages: 3/1 Adjustable Rate is a 30-year amortization. After the initial fixed rate period has expired, the applicable interest rate and monthly payments will be adjusted annually based upon movements of an interest rate index. The amount of the initial monthly payments is based on an interest rate which may be less than the sum of the current index plus margin. Based on current market conditions, the fully indexed rate (once adjusted) is calculated by combining the margin and associated mortgage index. 3. Rates, terms and conditions are effective 12/13/18 and are subject to change or discontinue at any time and without notice. Loan approval subject to credit, income, property appraisal and qualifications. Costs may be associated with this loan. Offer not valid on current Christian Community Credit Union loans. 4. Securities offered through Securities America, Inc., member FINRA/SIPC. Advisory Services offered through Cooper McManus an SEC Registered Investment Advisory Firm. Christian Community Credit Union, Wealth Solutions Group, Cooper McManus and Securities America are separate entities. Not NCUA Insured – No Bank Guarantees – May Lose Value. Securities America and its representatives do not provide tax or legal advice; therefore it is important to coordinate with your tax or legal advisor regarding your specific situation.

Your Money Building God’s KingdomThe money you deposit into your accounts provides affordable financing to help churches grow and expand. These loans make it possible for them to better serve their members and communities.

RIVERSIDE KOREAN BAPTIST CHURCH, CA (REFINANCE) “Christian Community Credit Union has excellent service. Everyone is kind and does their best for the members. The Credit Union is based on faith and shows honesty and sincerity. I highly recommend them to everyone.” Bonjun Koo, Finance Director

Christian Community Credit Union is privately insured by American Share Insurance up to $250,000 per account. By members’ choice the Credit Union is not federally insured, and if the Credit Union fails, the Federal Government does not guarantee that depositors will get back their money. Accounts with the Credit Union are not insured by any state government.

Contact UsmyCCCU.com | 800.347.CCCU (2228)info@myCCCU.com

CO-OP Shared Branch5,600+ shared branches nationwide

CO-OP ATM29,000+ FREE ATMs nationwide

Money Matters from the Word“You crown the year with Your goodness, And Your paths drip with abundance.” Psalm 65:11 (NKJV)

CHURCHLOANS

AS LOW AS

4.80%3

2019 Annual Business MeetingChristian Community Credit Union’s 62nd Annual Business Meeting will be held on Thursday, March 28, 2019. The meeting will be at our corporate headquarters in San Dimas, CA at 2:00pm. For details, call 800.347.CCCU (2228), ext. 6203.

Kids and MoneySTARTING THE CONVERSATION

According to the 2017 survey on “Parents, Kids & Money” by T. Rowe Price, 51% of parents don’t know the best way to talk to their kids about financial topics, and 55% have a hard time making their kids understand the value of a dollar. In addition, 72% of parents would be interested in taking a course that teaches financial basics.

Through a free financial education journey called “Unchartered Communication,” our partner, Wealth Solutions Group (WSG),4 can assist on how to start these conversations on money management, 401(k)s, college saving, insurance, and estate planning with your family.

Contact WSG today! Call 800.930.3642 or visit myCCCU.com/wsg

We Reached Our 2018 Donation Goal of $240,000Thanks to our members using their “Card that Gives to Missions and Ministries,” the Credit Union donated $240,000 to missions and ministries in 2018. To date, we’ve given over $4.6 million since the program began in 1994. Our 2019 donation goal is $240,000. Keep using your missions-giving and rewards-earning credit card for all your purchases.

Together, we can reach our 2019 goal!

MAR

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