A Diamond Celebration60 YEARS OF SERVICE

In 2017, Christian Community Credit Union celebrates 60 years of providing member-friendly financial services. The Credit Union was established in 1957 as American Baptist Ministers Credit Union. Since then, our membership has grown nationwide and internationally to serve churches, ministries, and their members, as well as Christian schools, colleges, seminaries, retirement homes, and other ministries.

Today, Christian Community Credit Union is one of the largest credit unions serving the Christian community. The Credit Union is blessed to reach this diamond milestone with $750 million in assets under management and over 30,000 members nationwide. Thank you to all our members!

“Lord, all that we have accomplished You have done for us.” Isaiah 26:12b (NIV)

2017 Annual Business MeetingChristian Community Credit Union’s 60th Annual Business Meeting will be held on Thursday, February 23, 2017. The meeting will be at our corporate headquarters in San Dimas, CA at 2:00pm.

For details, call 800.347.CCCU (2228), ext. 6210.

Introducing...GreenPath Financial WellnessYour path to a healthy financial future begins here. GreenPath’s certified financial counselors will empower you to eliminate financial stress, get out of debt, increase savings, and achieve your financial goals.

They’ll take time to understand your financial situation, develop a personalized plan that works for you, and support you every step of the way.

Counselors are available Monday and Wednesday 5am-8pm, Tuesday and Thursday 5am-7pm, Friday 5am-4pm, and Saturday 6am-3pm (PT). Take the first step now!

Visit myCCCU.com/greenpath or call GreenPath at 877.337.3399.*

$60,000 in Scholarships to be Awarded

Do 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 02/01/17 and ends 03/31/17!

Visit myCCCU.com/scholarship

New Year, New Home

Thinking of buying a new home? Looking to refinance your current high rate home loan? Start the New Year fresh with our low-rate home loans, including fixed-rate and adjustable-rate mortgages! Our professional Lending Team is ready to help you save both money and time.

For details and current rates, visit our Mortgage Center at myCCCU.com/mortgage

30-Year Mortgage5/1 ARM1

%APR13.44

FEATURED HOME LOAN RATES!

15-Year Fixed MortgageNo Points1

3.70%APR1

FEB

23

YOUR MONEY @WORK

WINTER2017

1. APR = Annual Percentage Rate Mortgage Loan rates and terms effective 12/15/2016 and are subject to change without notice. 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 LTV 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 $417,000. Effective 01/03/17, the APR will be based on loan amounts up to $424,100. 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. A $25 one-time membership fee applies if you do not have a deposit account at Christian Community Credit Union. Fee will be waived if you have a deposit account or you open one within 30 days of loan approval. Visit myCCCU.com/deposit. NLMS ID Number is 504297.

2. APR= Annual Percentage Rate. Rates effective 12/15/16 and subject to change without notice. 0% introductory APR for 12 months when balances are transferred during the first 60 days of open date. After that, 11.15% to 17.15%. Your APR will vary with the market based on the Prime Rate. Balance transfer fee is 2%, with $5.00 minimum per transaction. A $25 one-time membership fee applies if you do not have a deposit account at Christian Community Credit Union. Fee will be waived if you have a deposit account or you open one within 30 days of card approval. Visit myCCCU.com/deposit.

*Third party website is not operated by Christian Community Credit Union. We are not responsible for the content of the alternate website and will not represent either the third party or you, the member, if you enter into a transaction. The privacy and/or security policies of the website may differ from those practiced by the Credit Union.

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

SOnlIFE COmmunItY ChuRCh, ApplE VAllEY, CA (REFInAnCE)

“Our current lender was unable to renew our loan. However, Christian Community Credit Union was able to help. Our loan with the Credit Union will now allow us to continue our ministry in the facility we built in 2006.” Pastor Mark Allen Mikels

Money Matters from the Word“Let the wise listen and add to their learning, and let the discerning get guidance.” Proverbs 1:5 (NIV)

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 Branch5,400+ shared branches nationwide

CO-OP ATM29,000+ FREE ATMs nationwide

Money Doesn’t Grow on TreestEAChInG YOuR KIDS ABOut mOnEY

Does your child think money grows on trees—or on ATMs? From an early age, children are curious about money: how it’s made, how it’s spent, where it comes from and where it goes. Because of this natural curiosity, it’s never too early to talk about money with your kids. Giving kids an allowance is a vital first step. Don’t link the allowance to chores; chores are an important part of learning responsibility and should remain unpaid. Instead, make sure your kids know that this money is to be divided into “give,” “save,” and “spend” categories.

Also, leading by example is a powerful teaching tool. Be honest with your children about your income and financial situation. If you have debt you are paying down, discuss with them the solutions you are using to do so in a calm and reassuring manner. If you tithe and/or give to charity, talk to your kids about why giving is important to your family instead of keeping the money or spending it on luxury items.

By keeping kids in the loop about your family’s finances and encouraging them to make their own decisions about giving, saving, and spending, you’ll be helping to set them on the path to a healthy financial future.

For more Smart Money tips, visit myCCCU.com/smartmoneyblog

Consolidate Your Holiday Bills and SavethE CARDS thAt GIVE tO mISSIOnS & EARn REWARDS

Got high-rate balances from other cards? Pay them off with “The Cards that Give to Missions” credit card! When you apply and are approved, you’ll receive a 0% introductory APR for 12 months when balances are transferred during the first 60 days of opening.2

Plus, turn your everyday purchases into free airfare, gift cards, merchandise, and more—while supporting missions at the same time.

Apply for the “Cards that Give to Missions & Earn Rewards” at myCCCU.com/cards

Saving on Insurance Can Be EasyChristian Community Credit Union has partnered with TruStage Insurance to provide you with competitive rates and quality service for the following insurance products:

Save money and time with TruStage Insurance! Visit myCCCU.com/trustage or call 855.644.8118.*

AutO

hEAlth

pROpERtY

lIFE