Savings
We make it easy for members to earn more.
We’re growing together!
With the official merger of AdelFi and Christian Community Credit Union, we will begin transitioning new members to onboarding through the Christian Community Credit Union technology platform. This phased approach ensures a seamless and consistent onboarding experience as our services unify.
Reach Your Goals While Making an Impact
It’s always a good time to evaluate your savings needs and execute your savings strategy while impacting the Kingdom. We offer savings account options allowing you to save your way, regardless of your goals. Find everything from traditional savings accounts to money market accounts that reward you with a better interest dividend rate. Earn more knowing you’re partnering with a financial institution that helps your money impact many.
Digital Banking Tools
Rates as high as 5.00% APY1, ✝
30,000 surcharge-free ATMs
Youth Savings
To open a CCCU Savings products click here.
Harvest High-Yield Savings
New members earn 5.00% APY1 up to $5,000 and 2.25% APY1 on balances between $5,000- $10,000 with a Harvest High-Yield Savings✝ account.
Get an exceptional rate with immediate access to funds
- Maximize your earnings with this variable tiered rate while you help fuel the growth of churches and ministries with every deposit you make.
- Minimum opening deposit: $100
- No Monthly Maintenance Fees
High-Yield Money Market Promotion
For a limited time only, earn 4.00% APY1 up to $100,000 for 12 months with a High-Yield Money Market Account✝✝.
- Minimum opening deposit: $1,000
- Six free withdrawals per monthly statement cycle
- No Monthly Maintenance Fees
- New Funds Only✝
Digital Banking
Access your accounts on your time from almost anywhere. With digital banking on the web or with our mobile app, you can access your accounts, make payments, transfer money between accounts, and many other things. Learn more about our online and mobile banking services.
Dividend Rates Effective: March 24, 2026
1APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account, based on the dividend rate and frequency of compounding, in a 365-day period. The APY and dividend rates are variable and subject to change after the account is opened.
✝Product is CCCU's Havest Savings. $100 minimum to open. There is a $5.00 monthly service fee if the balance falls below $100.00. No fee for Custodian Accounts under age 18. One Harvest Savings account per member. Tiered -based savings account. 5.00% APY will be paid on balances up to $5,000. Balances between $5,000.01-$10,000 will earn the lower dividend rate of 2.25% APY. Balances $10,000.01+ will earn the dividend rate of 0.10% APY. The APY and dividend rates are variable and subject to change after the account is opened. Click here to learn more.
✝✝High-Yield Money Market Promotion: 1APY = Annual Percentage Yield. APYs are accurate as of 01/02/2026 and are subject to change without notice. APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account, based on the dividend rate and frequency of compounding, in a 365-day period. CCCU dividends are compounded daily and paid monthly. The APY and dividend rates are variable and subject to change after the account is opened.
This Promotional Offer is effective 01/02/2026, for all new and existing Christian Community Credit Union (CCCU) Members and can end at the discretion of CCCU at any time without prior notice.
The promotional rate is paid monthly at a dividend rate of 3.923% resulting in an APY (Annual Percentage Yield) of 4.00% on balances up to $100,000. Promotional rate and cap are subject to change. Promo account will automatically convert to standard Money Market Account after 12 months.
• Must be at least 18 years old
• Open a NEW High-Yield Money Market Account with a $1,000 opening deposit
• Funds deposited in the High Yield Money Market Account must be new money.✝
• Balances above $100,000 will earn the same dividend as CCCU Savings Account of 0.10%.
• Limit ONE High-Yield Money Market Account per member
• There is a maximum limit of six (6) withdrawals per month. A fee of $6.00 per item more than six (6) withdrawals per month.
✝New money is money that is not presently on deposit at Christian Community Credit Union. Existing 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 funds deposited are considered new money.
Click Here for Complete Terms and Conditions for the High-Yield Money Market Promotion
Promotional Offer Summary: A CCCU member that opens a High-Yield Money Market Account can earn 4.00% APY (“Promotional Rate”) on balances up to $100,000.00 (“cap”) for up to 12 months from account opening if that member meets the terms and conditions as stated below. Promotional rates, caps, and terms are subject to change.
- Offer Period. This Promotional Offer is effective beginning January 1, 2026, and can end at the discretion of CCCU at any time without prior notice.
- Account Holder Requirements to receive the promotional rate: a) You must:
i) Be at least 18 years old
ii) Agree to the terms and conditions of this Promotional Offer
iii) Funds deposited in the High-Yield Money Market Account must be new money. Minimum opening balance $1,000.00 required.
iv) Balances above $100,000 will earn the same dividend as CCCU Savings Account of 0.10%.
v) Limit ONE High-Yield Money Market Account per member.
Account Disclosures: Features and benefits of the High-Yield Money Market Account are the same as the Money Market account except for the dividend rate and balance cap. For complete information on features, benefits, and current rates for the qualified account in this offer please see the product descriptions here: Money Market Accounts. Standard account rates and terms, including Money Market rates, are subject to change. There is a maximum limit of six (6) withdrawals per month. A fee of $6.00 per item will be assessed for any withdrawals that exceed this monthly limit. Refer to CCCU Truth and Savings and Fee Schedule for account and fee information outside of this Promotional Offer. - Service Fee, Promotional Rate and Balance Cap – The High-Yield Money Market Account does not have a monthly service fee. The promotional rate is paid monthly at a dividend rate of 3.923% resulting in an APY¹ of 4.00% on balances up to $100,000.00. Balances above $100,000 will earn the same dividend as a CCCU Savings Account of 0.10%. Promotional rate, cap, and other terms are subject to change without notice.
- Payment of Dividends – CCCU dividends are compounded daily and paid monthly. Withdrawal of dividends and fees may reduce earnings on this account.
- IRS Reporting – All dividends paid under this Promotional Offer may be subject to IRS reporting. Any applicable taxes are the responsibility of the recipient.
- Additional Eligibility Restrictions – This Promotional Offer is for new and existing CCCU members.
- Reservation of Rights – CCCU reserves the right to withhold the fulfillment of any dividends where the requirements were met fraudulently or obtained through the misuse of this offer or in a manner not in keeping with the terms and conditions or the spirit of the offer (promotional rate for new money to CCCU). Money leaving CCCU and coming back for the sole purpose of taking advantage of this promotion is prohibited. CCCU will assess the integrity of new money by reviewing factors including but not limited to external deposits and average balances over time across CCCU accounts, including accounts owned by joint owners of the High-Yield Money Market Account owner’s other accounts. Accounts found to be in violation of the new money requirement or other terms and conditions will be converted to Money Market Accounts or closed. In the event of any conflict between these Terms and Conditions and any other material describing this Offer, these Terms and Conditions shall be controlled.
APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account based on the dividend rate and frequency of compounding in a 365-day period. CCCU dividends are compounded daily and paid monthly. Withdrawal of dividends and fees may reduce earnings on this account. ²New 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 the funds deposited are considered new money.
