What’s Sweeter than Purchasing a New Home?Getting a sweet Home Loan rate that can save you money! Now’s a great time to buy a new home or refinance the one you’re in with Home Loan rates as low as 2.70% APR.1 Plan on making home improvements in the New Year? Check out our low-rate Home Equity Line of Credit (HELOC) with NO CLOSING COSTS!3

Plus, get a FREE 8-piece wooden culinary set with apron4 when your Home Loan or HELOC funds!

Get preapproved today! Visit myCCCU.com/mortgage

We Asked, You AnsweredWe recently asked our “Cards that Give to Missions” cardholders the causes and card benefits most important to them. Here’s what they had to say…

With our card program’s goal of building God’s Kingdom through supporting missions and ministries, we look forward to expanding our impact in 2020 while maintaining the great benefits our cardholders have come to love and expect. To date, we’ve donated over $4.9 million since the program began in 1994. Keep using your “Cards that Give to Missions” for all your purchases.

Together we can give more to missions!

5/1 ARM 30-YEAR MORTGAGE2

2.70 %APR1

5.00%APR1

HOME EQUITY LINE OF CREDIT3

Rate As Low As

TOP THREE CAUSES: 1. Gives to Missions/Ministry Projects 2. Human Trafficking, Justice, Human Rights 3. Humanitarian, Refugee, Homelessness Aid

TOP THREE CARD BENEFITS: 1. Disaster & Hunger Relief Aid 2. No Annual Fee 3. Double Points for Donations to Missions

Start Fresh with a FREE Financial Check-UpNow that the New Year has arrived, it’s a great time to review and evaluate your personal finances. As a member, you have access to a FREE financial check-up with our partner GreenPath Financial Wellness.

GreenPath has certified experts who are ready to partner with you on your journey to financial health. Contact them today!

Visit myCCCU.com/greenpathfinancial or call 877.337.3399.

Coming Soon! 2020 Scholarship ProgramNeed money for college? Know someone who does? Our multi-year “Scholarships for Success” program can help. We’re awarding $90,000 in scholarships!

Application period begins February 1, 2020 and ends March 31, 2020!

For details, visit myCCCU.com/scholarship

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YOUR MONEY @WORK

WINTER2020

1. APR=Annual Percentage Rate. Rates, terms, conditions, and availability effective 12/19/19 and 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. Points and other fees may be associated with this loan. The APR is based on loan amounts up to $625,500.00 depending on chosen loan program. Loan approval subject to credit, income, property appraisal, and qualifications. 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. 2. Adjustable Rate Mortgages: 5/1 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. Approximate monthly payment for a $400,000.00 loan at 3.979% APR for 30 years/360 months is $1,880.95 principal and interest. 3. Home Equity Line of Credit (HELOC) with $25,000 minimum loan amount, $5,000 minimum initial advance at loan disbursement. 5.00% APR reflects the 1/4% discount if your mortgage/1st Trust Deed is with Christian Community Credit Union. The rate is variable and is based on The Wall Street Journal Prime Rate plus a margin that is based on your credit score and the ratio of your mortgage loan balance to your home value, known as your loan-to-value (LTV). The rate is adjustable monthly with rates as low as an annual percentage rate of 5.50% and a maximum annual percentage rate of 18.00%. HELOC subject to prepayment penalty. Not available in Texas. All closing costs waived including appraisal fee, application fee, and processing fee. If the HELOC is paid and closed prior to 36 months (3 years) from the disbursement date, all closing costs waived during the original loan process will be collected, ranging from $800.00 to $1,500.00. Current property insurance is required. Transfer tax may be applicable in certain states and is the borrower’s responsibility to pay at closing. Special offer effective 12/19/19 and is subject to change without notice. Available on HELOC only. 4. Free gift effective 12/19/19 and is subject to change without notice. Available

on funded home loans (purchase and refinance) and Home Equity Line of Credit. Allow 4-6 weeks for delivery upon funding. One per household. 5. Rates, terms and conditions are effective 12/19/19 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. 6. 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, Cooper McManus, Wealth Solutions Group and Securities America are separate companies. Not NCUA Insured – No Credit Union 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 account provides affordable financing to help churches and ministries grow and expand. These loans make it possible for them to better serve their members and communities.

calvary chapel redmond, or (Refinance) “We appreciate all those who helped through the loan process. We look forward to our continued banking relationship and serving the LORD. The loan will allow us to continue meeting in our building that’s in a prime location to Downtown Redmond and will also give us room to grow.” Pastor Anthony DeChristopher, Senior Pastor/President

Money Matters from the Word“Blessed are those who are generous, because they feed the poor.” Proverbs 22:9 (NLT)

LOW-RATECHURCH LOANS!

AS LOW AS

3.50%

Each account is insured up to $250,000. By members’ choice, this institution is not federally insured.

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Four Good Reasons to InvestIndividuals may cite different reasons for not investing, but with important long-term financial goals, such as retirement, the reasons may not be good enough. Here’s why you should start investing:

1. Make money on your money. You work hard for your money; make sure your money works hard for you.

2. Achieve Self-Determination and Independence. When you build wealth, you may be in a better position to pursue the lifestyle you want.

3. Leave a legacy to your heirs. The wealth you pass to the next generation can have a profound impact, providing educational opportunities, the capital to start a business, or financial support to your grandchildren.

4. Support causes important to you. Whether your passion is the environment, the arts, or human welfare, you can use your wealth to affect positive changes in your community or around the world.

Because investing can be complicated, our partners at Wealth Solutions Group (WSG)6 can help guide you on your wealth-building journey.

Contact WSG at 800.930.3642 or visit myCCCU.com/wsg

63rd Annual Business MeetingChristian Community Credit Union’s 63rd Annual Business Meeting will be held on Thursday, March 26, 2020. The meeting will be at our corporate headquarters in San Dimas, CA at 2pm.

For details, call 800.347.CCCU (2228), ext. 6203.

What’s Your Savings Goal for 2020?Whether it’s saving for an emergency, a big purchase, or retirement, we can help you reach your financial goals. We have Savings, Certificates, and Money Market Accounts to help you save more, earn more, so you can do more.

Open a Savings account today! Visit myCCCU.com/savings

MAR

26Contact UsmyCCCU.com | 800.347.CCCU (2228)info@myCCCU.com

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