The Credit Union DifferenceSERVICE OVER SALES

At Christian Community Credit Union, our goal is meeting your financial service needs– not sales goals. We do this by recognizing your needs and recommending the best possible solution. Unlike banks, the Credit Union is a financial cooperative owned by members–not stockholders. While others have resorted to high-pressure tactics and setting up unauthorized accounts to meet sales quotas, you can count on us to look out for your best interest. We’re committed to treating you in a God-honoring way!

Are you or someone you know affected by the Wells Fargo account issues? Our partner at BALANCE offers free assistance including credit counseling. Please call 800.706.6006.

Enjoy Low-Rate Home Loans & MoreGREAT RATES, GREAT COFFEE, GREATER PURPOSE

Looking to refinance your current high-rate home loan? In the market to purchase a new home? Check out our GREAT home loan rates, including fixed-rate and adjustable-rate mortgages! Our professional Lending Team is ready to help you save both money and time.

Special Offers! When you apply between Oct. 1, 2016 and Nov. 30, 2016, you’ll receive a FREE 12 oz. bag of coffee from Lanna Coffee Co.1 Plus, you’ll receive a FREE Keurig® K525C1 when your loan funds!

Save money & apply today! For current rates and loan options, visit myCCCU.com/mortgage

Christian Community Credit Union Awards $72,500 in ScholarshipsThe Credit Union’s “Scholarships for Success” Program awarded $72,500 in scholarships to 73 students in 2016. Awards were given to this year’s scholars and those who qualified for the multi-year scholarship program. Students were selected based on their essay, academic excellence, extra-curricular activities, and references.

“I’ve always loved the friendly and helpful service at the Credit Union. I’m immensely grateful for their generosity in granting me this scholarship,” said Cassandra MacQuoid, Concordia University student. “We’re thankful for the opportunity to bless hundreds of students with a scholarship for the past 17 years,” said John Walling, Christian Community Credit Union President/CEO. “We look forward to awarding many more.”

Credit Union staff pose with 2016 “Scholarships for Success” recipients (top), including those from Biola University and their school administrators (bottom).

How would you like to turn your everyday purchases into free airfare,

gift cards, merchandise, and more—while supporting missions at the same time? You can with Christian Community Credit Union’s “Cards that Give to Missions & Earn Rewards!”

When you apply between Nov. 1, 2016 and Dec. 31, 2016, you’ll receive a FREE 12 oz. bag of coffee from Lanna Coffee Co.3

Apply for the “Cards that Give to Missions & Earn Rewards” at myCCCU.com/cards

Great REWARDS, Great Coffee, Greater Purpose

30-Year Fixed MortgageNo Points1

%APR13.558

FEATURED HOME LOAN RATES!

15-Year Fixed MortgageNo Points1

2.817 %APR1

From Nothing to Nest Egg: How to Start Saving NowFirst, make a budget. Write down every source of income, and every bill you have—including any loans or credit card debt. How much difference do you see between your income and your bills?

Once you know how your income compares to your bills, track every dollar you spend for a week. Do you usually grab a snack or coffee on your way to work? How about lunch? You may notice a pattern of

spending. Plan ahead and make your own coffee, snacks, and lunches. Then you can put the money you would have spent on those items in your savings jar. By starting small, changing your spending habits, and believing in yourself, you can set yourself on the road to financial independence.

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

GREAT COFFEE, GREATER PURPOSE!

Lanna Coffee is grown by the hill tribes in Northern Thailand.

Profits from Lanna help villagers to be self-sustaining and positively changed

with clean water, healthcare, and education. Visit lannacoffeeco.com

IMPORTANT!

YOUR MONEY @WORK

FALL2016

Fall into the driver’s seat of a new or used vehicle and we’ll help you rake in the savings with our low-rate auto loans. Transfer your current high-rate auto loan to the Credit Union and rake in more savings! First-Time & Parent-Assist Programs available!

Dread going to the dealership? We make car shopping easier! Check out our partners at AutoSMART and Autoland. Find the right car, for the right price, at a location near you.

Get a FREE Trunk Organizer with Cooler4 when your auto loan funds.

Get pre-approved! Apply online at myCCCU.com/autoHomeownership Prep

As a benefit of being a member, you have access to BALANCE’s Pre-Purchase Counseling Program. BALANCE counselors

will help you prepare for the added expenses and responsibilities of owning a home, so you know what to expect, and where to turn for help. From setting a realistic household budget and reviewing credit reports, to explaining the homeownership process and lending requirements, BALANCE counselors can help guide the way.

Call 888.456.2227 to speak with a BALANCE counselor today!

1. APR = Annual Percentage Rate Mortgage Loan rates and terms effective 9/22/2016 and are subject to change without notice. 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 LTV 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. 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. Free 12 oz. bag of Lanna Coffee when application received between 10/01/16 to 11/30/16. Free Keurig® K525C when loan is funded between 10/01/16 to 11/30/16. NLMS ID Number is 504297.

2. A $5.95 service charge applies per online gift card purchase, including shipping and handling.

3. Free 12 oz. bag of Lanna Coffee when credit card application received between 11/01/16 to 12/31/16.

4. APR=Annual percentage rate. Rate and terms effective 9/22/2016 and are subject to change without notice. This is a fixed rate loan with a $10,000 minimum. 1.99% APR based on automatic payments from a Christian Community Credit Union Checking Account. Monthly payment for $10,000 for 72 months at 1.99% APR would be $147.59. Rates are based on credit history and underwriting factors. 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. 1.99% APR does not apply to existing Christian Community Credit Union loans. Free trunk organizer with cooler when loan is approved between 09/15/16 to 11/30/16 (while supplies last).

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.

CALVARY CHAPEL FELLOWSHIP, WINSTON SALEM, NC (REMODEL)

“The improvements we’re making are a blessing for those in our fellowship as the building was in need of improvements. Our neighbors around the church are seeing things change and our desire is to reach these people for Christ and also bring glory to God with what He has given to us.” Pastor Gregg Griffith

Money Matters from the Word“Even strong young lions sometimes go hungry, but those who trust in the LORD will lack no good thing.” Psalm 34:10 (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.

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

CO-OP Shared Branch5,400+ shared branches nationwide

CO-OP ATM29,000+ FREE ATMs nationwide

Now Accepting NominationsWe’re accepting nominations for two positions on the Board of Directors and one position on the Supervisory Committee for 2017. 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, 2016. The Nominating Committee will select qualified nominees by November 17, 2016. 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, 2016.

Please 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.

Rake in the Savings with Low-Rate Auto LoansUSED • NEW • REFI