Relax! Stress-Free Home Financing & Buying From finding a real estate agent to choosing the right loan for your budget, we can make each step easier on your home-buying journey. Need to refinance? We can help! Save with our affordable fixed-rate and adjustable-rate mortgages. Plus, get your appraisal fee waived up to $500! 2 Apply today! Visit myCCCU.com/mortgage $20,000 Donated for Hurricane Harvey Relief In response to the devastating flooding from Hurricane Harvey, the Credit Union donated $20,000 to various organizations to help with disaster relief efforts. In partnership with American Baptist Churches USA (ABCUSA), the Credit Union donated $10,000 through the Christian relief organization One Great Hour of Sharing (OGHS). A matching donation up to a total of $5,000 was offered to American Baptist Men-USA (ABMen). The National Credit Union Foundation’s CU Aid program received $2,500. The Credit Union also gave its employees an opportunity to help Hurricane Harvey victims with a matching donation of up to a total of $2,500 for OGHS. “Our thoughts and prayers are with the people and communities devastated by Hurricane Harvey,” said David Estridge, Christian Community Credit Union Interim CEO. Visit myCCCU.com/hurricaneharvey to make a donation. A couple walks the flooded Interstate 610 in Houston, TX caused by Hurricane Harvey. (Source: AP) % APR 1 3.32 15-Year Fixed Mortgage 3.94 % APR 1 30-Year Fixed Mortgage RATES AS LOW AS... Long-Time Member Rev. Dr. Lee Spitzer is ABCUSA’s New General Secretary Congratulations to Rev. Dr. Lee Spitzer in his new role as General Secretary of the American Baptist Churches USA (ABCUSA). A member since 2003, Spitzer said, “I appreciate Christian Community Credit Union’s support of our ministries across the country. My family is especially pleased to be a part of the Christian Community Credit Union family.” At ABCUSA’s Biennial, Interim CEO Dave Estridge (second from left) poses with American Baptist Executive Ministers Rev. Paul H. Gibson (far left), Rev. Dr. Frank Frischkorn (right), and ABCUSA General Secretary Rev. Dr. Lee Spitzer (far right.) $69,500 Awarded in Scholarships The Credit Union’s “Scholarships for Success” Program awarded $69,500 in scholarships to 70 students in 2017. Awards were given to this year’s scholars and those who qualified for the multi-year scholarship program. “As a doctoral student and small church pastor with three children in college, I very much appreciate this scholarship. Thank you for your confidence and trust in my efforts to further my theological education,” said Pastor Michael Duke, Gateway Seminary. “I am so grateful that you have chosen to invest in my future,” said Bethany Hickman, University of Cincinnati. “Congratulations to our scholars! We appreciate the opportunity to support them in their academic journey,” said David Estridge, Christian Community CU Interim CEO. Thumbs up from Christian Community Credit Union’s 2017 “Scholarships for Success” recipients (L-R) Brendon Asato, Noah Schmidt, Anne Schmus, Kenji Henderson, and Takashi Henderson. Tap into your Home’s Buying Power! Got major plans? We can help! SPECIAL HELOC INTRODUCTORY 6-MONTH RATE! 3 1.99 % APR 3 HOME EQUITY LINE OF CREDIT 4No Application Fee 4No Prepayment Penalties Apply today! Visit myCCCU.com/mortgage RENOVATE YOUR HOME PAY COLLEGE TUITION CONSOLIDATE DEBT Debt See reverse side for terms and disclosures. See reverse side for terms and disclosures. YOUR MONEY @ WORK 1957 2017 FALL 2017
Transcript
Relax! Stress-Free Home Financing & BuyingFrom finding a real estate agent to choosing the right loan for your budget, we can make each step easier on your home-buying journey. Need to refinance? We can help! Save with our affordable fixed-rate and adjustable-rate mortgages. Plus, get your appraisal fee waived up to $500!2
Apply today! Visit myCCCU.com/mortgage
$20,000 Donated for Hurricane Harvey Relief In response to the devastating flooding from Hurricane Harvey, the Credit Union donated $20,000 to various organizations to help with disaster relief efforts. In partnership with American Baptist Churches USA (ABCUSA), the Credit Union donated $10,000 through the Christian relief organization One Great Hour of Sharing (OGHS). A matching donation up to a total of $5,000 was offered to American Baptist Men-USA (ABMen). The National Credit Union Foundation’s CU Aid program received $2,500. The Credit Union also gave its employees an opportunity to help Hurricane Harvey victims with a matching donation of up to a total of $2,500 for OGHS. “Our thoughts and prayers are with the people and communities devastated by Hurricane Harvey,” said David Estridge, Christian Community Credit Union Interim CEO.
Visit myCCCU.com/hurricaneharvey to make a donation.
A couple walks the flooded Interstate 610 in Houston, TX caused by Hurricane Harvey. (Source: AP)
%APR13.32 15-Year Fixed
Mortgage
3.94%APR1
30-Year Fixed Mortgage
RATES AS LOW AS...Long-Time Member Rev. Dr. Lee Spitzer is ABCUSA’s New General SecretaryCongratulations to Rev. Dr. Lee Spitzer in his new role as General Secretary of the American Baptist Churches USA (ABCUSA). A member since 2003, Spitzer said, “I appreciate Christian Community Credit Union’s support of our ministries across the country. My family is especially pleased to be a part of the Christian Community Credit Union family.”
At ABCUSA’s Biennial, Interim CEO Dave Estridge (second from left) poses with American Baptist Executive Ministers Rev. Paul H. Gibson (far left), Rev. Dr. Frank Frischkorn (right), and ABCUSA General Secretary Rev. Dr. Lee Spitzer (far right.)
$69,500 Awarded in ScholarshipsThe Credit Union’s “Scholarships for Success” Program awarded $69,500 in scholarships to 70 students in 2017. Awards were given to this year’s scholars and those who qualified for the multi-year scholarship program.
“As a doctoral student and small church pastor with three children in college, I very much
appreciate this scholarship. Thank you for your confidence and trust in my efforts to further my theological education,” said Pastor Michael Duke, Gateway Seminary. “I am so grateful that you have chosen to invest in my future,” said Bethany Hickman, University of Cincinnati.
“Congratulations to our scholars! We appreciate the opportunity to support them in their academic journey,” said David Estridge, Christian Community CU Interim CEO.
Thumbs up from Christian Community Credit Union’s 2017 “Scholarships for Success” recipients (L-R) Brendon Asato, Noah Schmidt, Anne Schmus, Kenji Henderson, and Takashi Henderson.
Tap into your Home’s Buying Power!Got major plans? We can help!
1. APR = Annual Percentage Rate. Mortgage Loan rates and terms effective 09/29/17. 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. $250 waived for loans up to $200,000; $400 waived for loans between $200,001 to $400,000; $500 waived for loans over $400,000. 3. APR= Annual Percentage Rate. HELOC Introductory APR of 1.99% effective 09/01/17 and is valid for six months after the funding date; thereafter, APR will convert to the “adjustable monthly HELOC rate” currently as low as 4.50% APR and a maximum 18.00% as of 09/29/17. “Adjustable monthly HELOC 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). Introductory APR valid for applications received between 09/01/17 to 10/31/17, closed and funded by 12/31/17. Minimum: $25,000; Maximum: $400,000. Available on new Home Equity Lines of Credit. This is an open-end line of credit secured by the equity in your home. Estimated appraisal fee at $450 applies. 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. Rates and terms effective 09/29/17 and are subject to change without notice. 4. Securities offered through Securities America, Inc. Member FINRA/SIPC. Advisory services offered through Securities America Advisors. Wealth Solutions Group is not affiliated with the Securities America companies. Not FDIC Insured—No Bank Guarantees—May Lose Value
Your Money Building God’s KingdomThe money you deposit into your accounts helps provide affordable financing to help churches grow and expand. These loans make it possible for them to better serve their members and communities.
FAMILY COMMUNITY CHURCH, FRESNO, CA (REFINANCE) “The loan process was smooth and easy. This loan will give our ministry the support and confidence needed when unexpected business needs occur.” Tonisha Williams, Business Manager
Money Matters from the Word“Commit everything you do to the LORD. Trust him, and he will help you.” Psalm 37:5 (NLT)
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.
Five Financial Tips for Future ParentsPreparing your finances for parenthood is just as important as preparing your heart for your new addition. Here are tips to help get you ready for your little one’s arrival.
1. Check your budget. If you don’t have a budget, start making one. Know where all your money goes now before you plan for the future. If your spending exceeds your income, work on cutting expenses.
2. Build your savings. It’s never too early to start saving for college. Asking for gifts of deposits to your child’s college fund instead of toys can really pay off once your child is ready to graduate.
3. Check your coverage. Find out how much of the medical costs your health insurance will cover. If you’re adopting, learn about the associated costs.
4. Watch your spending. As tempting as it is to buy every adorable baby item you see, you’ll want to watch your spending. Ask experienced parents what things new parents really use.
5. Work together. You and your spouse need to talk about where you can make changes in your current lifestyle to accommodate your new arrival. And remember every good financial plan needs to be flexible.
For more Smart Money tips, visit myCCCU.com/smartmoneyblog
Wise Financial Planning through Wealth Solutions Group (WSG)4
Confused with all the financial planning and investment options? WSG will take the time to understand your needs, define your goals and dreams, and design a practical plan based on Biblical principles to pursue your financial goals! Start financial planning for a better tomorrow! Visit myCCCU.com/wsg
Now Accepting NominationsWe’re accepting nominations for two positions on the Board of Directors and one position on the Supervisory Committee for 2018. Consideration for nomination can be done in one of two ways: 1) By Application: Request a nomination application by calling 800.347.CCCU (2228), ext. 6210. Application needs to be mailed by November 7, 2017. The Nominating Committee will select qualified nominees by November 16, 2017. 2) By Petition: Include a request to be placed on the ballot along with a petition signed by at least 100 members. A candidate must give written consent to the nomination. The nomination by petition must be submitted to Christian Community Credit Union by December 5, 2017.
Mail the nomination application or petition via certified mail along with a return-receipt requested to: Nominating Committee Chair, Christian Community Credit Union, P.O. Box 9001, San Dimas, CA 91773.
NEW! Redeem Points for Cash Back!Cardholders can now redeem CURewards points for cash deposits or credit card payments. Redeem points for cash, gift cards, and more today! Visit myCCCU.com/curewards
