SUMMER
2016
YOUR MONEY @
WORK
We’re Serving Up Low Mortgage Rates!
3.037
**
%
APR1
3/1 Adjustable Rate Mortgage
30-Year Amortization | No Points1
Dennis Endert,
Long-Time Board
Member, Retires After
30 Years of Service
3.684
%
APR1
30-Year Fixed Mortgage
No Points1
3.75
Home Equity Line of Credit
Rates
as low
as
%
APR1
Wondering where to host your next BBQ with family and friends? How about in the backyard of your new
or newly-remodeled home! Whether you’re buying a home, refinancing, or doing home improvements,
we’re serving up low mortgage rates to help you fire up your savings and grill.
We’ll waive appraisal fees up to $500 through July 31, 2016!
Plus, you’ll receive a FREE 19pc. BBQ Grill Tool Set when your
loan is approved!
Apply today! For details, current rates, and loan options,
visit myCCCU.com/mortgage.
Pay Confidently on the Go
With Android Pay and Samsung Pay, Visa credit and
debit cardholders can now pay conveniently using
their mobile device anywhere they can swipe or tap their Visa Card. Enjoy the
convenience of paying hassle-free by adding your card today!
For details, visit myCCCU.com/mobilebanking.
New! Visa Checkout
Enter the online express lane and skip typing
your info every time you make a purchase online. With a single login from
any device, you can pay online the easier way using Visa Checkout.
Enroll today! For details, visit myCCCU.com/visacheckout.*
After serving 30 years as a member of the Credit
Union’s Supervisory Committee and Board of
Directors, Dennis
Endert retired in
March 2016. His
experience with
church loans and
understanding
of the unique
culture of churches
and parachurch
organizations was
a great asset to the
Credit Union.
Wise Financial Planning
As a member of the Credit Union, you have
access to comprehensive financial planning
and investment management through our
partnership with Wealth Solutions Group2
(WSG). Advisors will take time to understand
your needs, define your goals and dreams,
and design a practical plan based on Biblical
principles to pursue your financial goals. From
corporate and business services to family and
individual services, WSG2 can help.
Visit myCCCU.com/WSG or contact WSG2
today at 800.930.3642.
A Better Way to Pay for College
Need help filling a gap in college funds? We can help! Credit
Union Student Choice is an affordable private student loan
solution with low loan rates and zero origination fees that will
save you hundreds of dollars over the life of your loan.
Apply at myCCCU.com/studentchoice* or call 866.464.9193.
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“Dennis Endert has provided distinguished
leadership as a board member and board
chair during the Credit Union’s most dramatic
growth,” said John Walling, Christian Community
Credit Union President/CEO. “His outstanding
service to the Credit Union and its members will
be missed.”
Your Money Building God’s Kingdom
The money you deposit into your accounts helps provide affordable financing to churches.
These loans make it possible for them to better serve their members and communities.
LOVE INTERNATIONAL OUTREACH FELLOWSHIP, PHOENIX, az (CONSTRUCTION)
“It was a pleasure to work with professional personnel. This will allow the ministry to take a step
towards completing the vision of a new campus. It will also allow a stronger outreach in our community
and the ability to share and win our neighborhood for Christ.”
Eli Faustinos, Administrator
Money Matters
from the
Word
Seven Great Reasons to Use Credit Cards Responsibly
“For we are God’s masterpiece.
He has created us anew in
Christ Jesus, so we can do the
good things he planned for us
long ago.” Ephesians 2:10 (NLT)
1. BUILDING CREDIT. Making small regular purchases with your credit card, and then paying them
>
It’s tough to buy a house or a car without established credit. Using credit responsibly can be a good
thing to help build the financial future you want. Here are seven reasons to use credit cards:
off in full each month, helps build a good credit rating.
2. PROTECTING YOUR BANK ACCOUNT. If your debit
card is compromised, your checking account could end up
short of funds. However, if someone steals your credit card
number, your checking account won’t be affected.
3. MAKING hotel & car rental RESERVATIONS.
Travel Advisory: Ensure
Access to your Cards
While on Vacation
Add this important item to your checklist
before you go on vacation: let us know your
travel dates, destination, and last four digits
of your credit, debit, and/or ATM card(s). This
way, our Fraud Detection Center doesn’t block
your card from transactions that are not within
your usual spending pattern.
Without a credit card, renting cars or hotel rooms can
be tough.
4. EARNING REWARDS. Some cards help you earn rewards
and generate donations when you use them for purchases.
5. TRAVEL. You’ll enjoy increased fraud protection. Plus, many card issuers offer extra benefits for
travelers such as baggage delay insurance, concierge service, and travel insurance.
6. BUSINESS EXPENSES. Credit cards can make it easier to track business expenses. Plus,
business cards offer additional benefits.
7. EMERGENCIES. If you have an unexpected expense, a credit card can help you cover the cost.
Be sure to pay the bill as quickly as you can.
Call 800.347.CCCU (2228) or login to
Online Banking. Then, click on “Support”
to send us a secure email.
Remember, responsible card use can help you achieve your financial goals and save you money in
the long run.
Contact Us
1. APR = Annual Percentage Rate. Mortgage Loan rates and terms effective 06/21/2016 and are subject to change 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. 3/1 Adjustable Rate is a 30-year amortization. No points assumes excellent credit score and 80% or less
loan-to-value. 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 $417,000.00. 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. For Adjustable Rate Mortgages: 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. The APR is based on loan amounts up to $417,000.00. 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. Appraisal fee waived up to $500
when you apply between 06/01/16 to 07/31/16. Free BBQ Grill Tool Set when loan is approved between 06/01/16 to 07/31/16. Rates, terms,
conditions, and availability are subject to change without notice.
myCCCU.com | 800.347.CCCU (2228)
[email protected]
CO-OP ATM
29,000+ FREE ATMs nationwide
CO-OP Shared Branch
5,400+ shared branches nationwide
For more Smart Money tips, visit myCCCU.com/smartmoneyblog.
2. Securities and advisory services offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency), member FINRA/SIPC. 101 S. Barranca Ave., Covina, CA 91723. Cetera Advisor
Networks LLC is not an affiliate of Christian Community Credit Union nor with Wealth Solutions Group. Mutual funds, annuities and other investments available through Cetera Advisor Networks LLC are NOT insured by the FDIC,
NCUSIF or any other Federal Government or regulatory agency, are NOT deposits, or obligations of, nor guaranteed by Christian Community Credit Union, nor Wealth Solutions Group or any other affiliate entity. Investments are
subject to investment risks including possible loss of the principal amount invested.
*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.
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.