$60,000 in Scholarships to be Awarded in 2018

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. Spread the word about our Scholarship Program! Application period begins February 1, 2018 and ends March 31, 2018.

For details about the “Scholarships for Success” program, visit myCCCU.com/scholarship

See reverse side for terms and disclosures.

Get Credit Card Debt Relief with GreenPath Financial WellnessPeople often struggle to eliminate credit card debt—especially after all the holiday shopping. They make monthly payments, but their balances don’t decrease because they incur additional interest charges, late fees and over limit fees. They feel

like they’re on a debt treadmill—working hard, but making little progress. If you find yourself in this predicament, don’t give up! GreenPath’s Debt Management Plan may be able to assist you with paying off your credit card debt faster, while saving you money. Get financially healthy for 2018!

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

Manage Your Finances Anywhere, AnytimeOur Mobile Banking app makes it convenient for you to manage your finances on the go using your mobile phone or tablet. Check account balances, view recent transactions, deposit checks, and locate your nearest CO-OP Shared Network ATM or Branch Location. Plus, it’s FAST, FREE, and SECURE!

Download the Mobile Banking app today! Visit myCCCU.com/mobilebanking

We Reached Our 2017 Donation Goal of $240,000Thanks to our members, “The Cards that Give to Missions” accrued $240,000 to missions and ministries in 2017. To date, we’ve given over $4.5 million since the program began in 1994. Our 2018 donation goal is $240,000. Keep using your “Cards that Give to Missions” for all your purchases.

Together, we can reach our 2018 goal!

Low-Rate Home LoansBUY OR REFINANCE WITH US

From finding a real estate agent to choosing the right loan for your budget, we can make each step easier to owning your own home. Need to refinance instead? We’ve got you covered with our affordable fixed-rate and adjustable-rate mortgages.

Get started at myCCCU.com/mortgage

Photo courtesy of Operation Mobilization.

15-Year Fixed Mortgage

4.06%APR1

30-Year Fixed Mortgage

RATES AS LOW AS...

3.57%APR1

YOUR MONEY @WORK

WINTER2018

1. APR = Annual Percentage Rate. Mortgage Loan rates and terms effective 12/22/17. 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. Loans are subject to credit, income, and property appraisal. Other conditions and restrictions may apply. NLMS 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 $424,100.00. 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.2. Securities America and its representatives do not provide legal advice; therefore, it is important to coordinate with your legal advisor regarding your specific situation. Securities offered through Securities America, Inc., member FINRA/SIPC. Advisory services offered through Cooper McManus. Christian Community Credit Union, Wealth Solutions Group, Cooper McManus, and Securities America are separate companies. Not NCUA Insured – No Credit Union guarantees – May Lose Value.

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.

NEW LIFE CHRISTIAN CENTER, DURHAM, NC (REFINANCE) “We highly recommend Christian Community CU. They guided us through each stage of the loan process. Our loan officer was polite, knowledgeable, efficient, and trustworthy which felt more like a partnership than just a business deal. The Credit Union has a clear understanding of how churches function and operate helping us to remain good stewards of our finances.” Vertina Butler, Communications Manager

Money Matters from the Word“Plans fail for lack of counsel, but with many advisers they succeed.” Proverbs 15:22 (NIV)

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

Striking the Right Balance Between Saving and InvestingIt’s best to save before investing. But once you have a healthy base of savings, you can do both. Author of four biblical money management books, Matt Bell recommends using three percentage-based guidelines: 10%-15%, 100%, and 80%/20%.

10%-15%: This is the overall percentage of your monthly gross income to aim to save/invest each month. If that seems overwhelming, start where you can and work your way up from there.

100%: If you don’t have an emergency fund, or if you don’t have enough money in your savings account, this is the percentage of your above 10%-15% to put into savings each month—in other words, all of it. Build an emergency fund that could cover three-to-six months’ worth of essential expenses.

80%/20%: Once you have a sufficient emergency fund in place, take most (80% is a good target)— but not all—of the amount you had been putting into savings and redirect it toward investing.

So, prioritize savings first. After you have enough in savings for an adequate emergency fund, make investing a higher priority, while continuing to add some money to savings each month for the replacement of big-ticket items.

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

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.

Financial Empowerment with Wealth Solutions Group (WSG)2

We’re dedicated to helping you realize your financial goals— now and for the future. With WSG, you have exclusive membership access to financial planning and investment management services to help you reach your goals. Advisors

will take the time to understand your needs, define your goals, and develop a strategy so you are empowered financially. Begin your new year towards financial empowerment.

Contact WSG today at 800.930.3642 or visit myCCCU.com/wsg

2018 Annual Business MeetingChristian Community Credit Union’s 61st Annual Business Meeting will be held on Thursday, March 22, 2018. The meeting will be at our corporate headquarters in San Dimas, CA at 2:00pm.

For details about our 2018 Annual Business Meeting, please call 800.347.CCCU (2228), ext. 6210.

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