Home Buying Made EasyLOW-RATE HOME LOANS WITH PERSONALIZED SERVICE

Looking to buy your first home or refinance the one you have? Start with us! Our home loan specialists will guide you each step of the way. Need to find a real estate agent? We’ve got you covered with our Real Estate Center where you can search, buy, sell, and save on your next home.

Get started at myCCCU.com/mortgage

Don’t Get Scammed!ONLINE AND PHONE FRAUD ON THE RISE

We’ve seen an increase in members falling victim to online and phone scams. Beware of someone asking for access to your Online Banking to send money, get a loan approved, or rebuild credit. Never give anyone your user name or password.

Protect your money and your identity with practical tips to help you steer clear of fraudsters and stay scam-free.

Read more tips at myCCCU.com/7fraudtips

Need More Funds for College?We can help! Credit Union Student Choice is an affordable private student loan solution with low rates and zero origination fees that will save you hundreds of dollars over the life of your loan. Now you can finish college with a bright financial future, not a mountain of debt.

Apply at myCCCU.com/studentchoice3 or call 866.464.9193.

Seven Tips for Using Credit Cards ResponsiblyAccording to a new survey, credit card debt is the most common type of debt. Here are some tips for using credit cards responsibly to help you build your financial future.

1. Check the interest rate before you apply. Shop around for credit cards with truly low rates— not just low for a few months or a year.

2. Don’t open too many cards. Only get as many as you absolutely need (probably no more than two).

3. Pay off your bill each month—or at least as much as you possibly can. Leaving a balance on your card from month to month means you’ll pay more interest.

4. Use rewards wisely. If your card offers cash back, redeeming your points for cash back is a smart way to pay down your bill without draining your budget.

5. If you can’t afford it, don’t buy it. Sounds simple, but it’s an important thing to remember.

6. Know what your card can do for you. Always check the list of credit card benefits. You may have access to benefits that can save you money and protect your purchases.

7. Review your account regularly and check every purchase on your statement. You can spot any fraudulent charges that may have been made.

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

See reverse side for terms and disclosures.

4.33%APR1

30-Year Fixed Mortgage

3/1 ARM 30-Year Mortgage2

3.86%APR1

! !

YOUR MONEY @WORK

SUMMER2018

Debt Management & Financial Counseling Available to YouFeeling overwhelmed by debt? Curious about your credit report? Wondering if you’re ready to buy a house? We’ve partnered with GreenPath Financial Wellness to help you manage your money in a God-honoring way. As a member benefit, you have access to

FREE financial counseling and personal finance resources which will empower you to eliminate financial stress, get out of debt, increase savings, and achieve your financial goals.

Visit GreenPath Financial Wellness at myCCCU.com/greenpathfinancial or call 877.337.3399.

1. APR = Annual Percentage Rate. Mortgage Loan rates and terms effective 6/27/18. 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. 2. For 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. 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.4. Rates, terms and conditions are effective 06/27/18 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.

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.

NORTHWEST AVE CHURCH OF CHRIST, TALLMADGE, OH (REFINANCE) “Refinancing with a Christian organization is a plus. Our monthly payment will be lowered which will allow more funds to be used for Kingdom purposes.” Elder Donald Gergely, Finance Chairman

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“And if you are untrustworthy about worldly wealth, who will trust you with the true riches of heaven?” Luke 16:11 (NLT)

Cards with a CauseTurn your everyday purchases into free airfare, premium merchandise, cash back, and more—while supporting missions. Check out Christian Community Credit Union’s “Cards that Give to Missions!” Every time you use your card for a purchase, we make a donation to missions projects. We’ve given over $4.5 million to missions projects!

Apply for your “Card that Gives to Missions” at myCCCU.com/cards

Get Your Statement Faster with eStatementsWhy wait for your mail to arrive? With eStatements, you get statements faster so you can print or save a copy to your computer. Once you sign up, you’ll receive an email when your statements are ready for viewing. It’s quick, easy, and convenient!

Sign up for eStatements today at myCCCU.com/estatements

Access Your Account NationwideDid you know the Credit Union is part of the CO-OP Network? That means you have more access to your money than just about any bank, anywhere. Whether you’re at work, on vacation, or relocating, accessing your account has never been easier. With over 5,600 Shared Branches and nearly 30,000 free ATMs, we’re everywhere you need to be.

Find a location near you at myCCCU.com/locations

LOW-RATECHURCH LOANS!

AS LOW AS

5.05%4