Christian Community Credit Union

What Christian Community Credit Union does

Christian Community Credit Union (CCCU) is a member-owned, not-for-profit faith-based credit union founded in 1957 and headquartered in San Dimas, California, that provides retail, ministry, and business banking products to Christians and faith-based organizations across the United States. Effective December 1, 2025, CCCU merged with AdelFi Credit Union (Brea, CA) to form AdelFi Christian Banking, now positioned as the largest faith-based credit union in the U.S. with 125+ years of combined operating experience. The product portfolio spans free and high-yield checking, savings (Harvest High-Yield Savings at 5.00% APY), certificates (4.00% APY), mortgages and HELOCs (intro 3.99% APR), auto loans (6.49% APR), personal loans, credit cards (1.5% cash back, mission-themed cards), IRAs, and insurance products. Its differentiated Ministry Banking vertical provides specialized real estate lending for church construction, renovation, and expansion (as low as 5.80% APR), with cumulative lending exceeding $1 billion.

The business model is a standard cooperative credit union net interest spread operation, generating revenue from the gap between deposit interest paid (e.g., 5.00% APY on Harvest Savings) and loan interest received, supplemented by transaction fees and credit card interchange. The Cards that Give to Missions program, active since 1995, has directed over $6.9 million to Christian ministries and serves as a member-acquisition and retention engine. Distribution is direct-to-consumer via self-service digital onboarding at adelfibanking.com, a mobile banking application with geolocation-based fraud prevention, and the CO-OP Shared Branching Network providing access to 5,000+ shared branches and 30,000+ surcharge-free ATMs nationwide. Core technology is NCR-powered online banking with SSL encryption, supported by Microsoft Clarity behavioral analytics; no proprietary AI/ML capabilities are disclosed. Account insurance is provided by American Share Insurance at $250,000 per deposit account (not per member), enabling up to $2,500,000 in aggregate coverage for members with multiple accounts — a structural differentiator from standard FDIC-insured institutions.

Name

Christian Community Credit Union

Legal name

AdelFi Credit Union

Website

https://mycccu.com

Company type

Private

Founded year

1958

Operating status

Acquired

Headcount range

101–250 employees

Short description

Christian Community Credit Union, now AdelFi Christian Banking following a December 2025 merger, is the largest faith-based credit union in the U.S., serving individuals, churches, ministries, and Christian-owned businesses nationwide with retail, ministry, and business banking products.

Ownership category

akta.pro rank

Product category

Faith-based Retail & Cooperative Banking

NAICS

Credit Unions (52213), Credit Unions (522130), Credit Card Issuing (522210), Credit Card Issuing (52221)

SIC

Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)

akta.pro primary industry

Faith-Based & Affinity Credit Unions (FSABAEAH)

akta.pro secondary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Faith-based credit union
• Personal banking services
• Ministry banking lending
• Christian credit cards
• Share certificates savings

Headquarters

HQ city

San Dimas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income from Lending: As a credit union, the primary revenue is generated from interest on loans including home loans (as low as 5.486% APR), auto loans (6.49% APR), church loans (as low as 5.80% APR), and personal loans. Members are partial owners, so profits are returned through competitive rates.
2. Deposit Interest Spread: Credit unions generate revenue from the spread between interest paid on deposits (such as Harvest High-Yield Savings at 5.00% APY) and interest earned on loans.
3. Fee-Based Services: Various banking services including account maintenance, with emphasis on no monthly fees on checking accounts. Additional services include wire transfers, overdraft protection, and credit card services.
4. Missions Donation Program: Through Cards that Give to Missions program, credit card transactions generate donations to Christian ministries. Since 1995, over $6.9 million has been contributed to missions work.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Christian Community Credit Union, now operating as AdelFi Christian Banking following its December 1, 2025 merger with AdelFi Credit Union, provides faith-based retail banking products and services to Christians, churches, ministries, and Christian-owned businesses. Core offerings include personal and ministry checking and savings accounts, share certificates, mortgage and home equity loans, auto, student and personal loans, Visa credit cards (including mission-linked Cards that Give to Missions), IRAs, insurance, and digital/mobile banking with CO-OP shared branching access. The credit union is member-owned and not-for-profit, with deposits funding ministry real estate lending and a portion of card purchases donated to Christian missions.

Product overview

AdelFi Christian Banking (formerly Christian Community Credit Union) is a faith-based credit union offering personal, ministry, and business banking products. The company provides checking accounts (Free Checking, Harvest High-Yield Checking), savings accounts (Savings Account, Harvest High-Yield Savings at 5.00% APY), certificates (Welcome, Liquid, Step-it-Up, Term Share at 4.00% APY), home loans (Home Purchase, Equity/HELOC with 3.99% intro rate), auto loans (starting 6.49% APR), credit cards (Cash Rewards Visa at 1.5% back, Cards that Give to Missions), and personal loans (MyAdvantage, Student Loans). Ministry Banking offers specialized checking, savings, certificates, real estate loans (as low as 5.80% APR), lines of credit, and ministry credit cards. Business Banking provides business checking, savings, certificates, real estate loans, and business credit cards. The institution also offers digital banking, IRAs, insurance, and access to 5,000+ CO-OP Network branches and 30,000+ ATMs nationwide. Notable programs include Cards that Give to Missions (over $6.9M donated since 1995) and $1 billion+ in ministry real estate loans funded.

Differentiator

Problem solved

Functional benefit

Brands

• Ministry Banking: Specialized banking services for churches, schools, ministries, and faith-driven organizations including real estate lending, checking, savings, and credit cards

Products and services

• Free Checking (Personal) Personal checking account with no monthly fees, providing everyday banking services for individual Christian members.
• Harvest High-Yield Checking High-yield personal checking account offering competitive APY on balances for individual members.
• Harvest High-Yield Savings High-yield personal savings account paying 5.00% APY for individual members.
• Term Share Certificate Fixed-term share certificates offering 4.00% APY with guaranteed returns for personal members.
• Home Purchase Loans Mortgage loans for purchasing homes with rates as low as 5.486% APR, including 3% and 5% down payment options for personal members.
• Home Equity Line of Credit (Equity Loans) Revolving home-secured credit line with a special introductory rate of 3.99% APR for 6 months for personal members.
• Auto Loans Vehicle financing for new and used vehicles with rates starting at 6.49% APR and flexible terms.
• Cash Rewards Visa Personal credit card earning 1.5% cash back on everyday purchases for individual members.
• Card that Gives to Missions Personal credit card where a portion of every purchase is donated to Christian missions and ministries worldwide.
• IRAs Individual Retirement Accounts for retirement savings offered to personal members.
• Insurance Insurance products for personal members distributed through the credit union.
• Ministry Real Estate Loans Specialized church and ministry real estate financing for construction, renovation, expansion, and property acquisition with rates as low as 5.80% APR.
• Ministry Free Checking Free checking account tailored for churches, ministries, and faith-driven organizations.
• Ministry Harvest High-Yield Savings High-yield savings account for ministry reserves and building projects at churches and faith-driven organizations.
• Gives to Missions Business Rewards (Ministry) Ministry-focused business credit card with rewards directed to support Christian missions.
• Business Free Checking Free business checking account for Christian-owned businesses and nonprofits.
• Business Real Estate Loans Commercial real estate financing solutions for Christian-owned businesses.
• Business Lines of Credit Revolving credit lines for working capital and operational needs of Christian-owned businesses.
• Digital Banking Services Online and mobile banking platform with SSL-encrypted transactions, remote deposit capture, and geolocation-based fraud prevention available across personal, ministry, and business memberships.

Quantifiable outcome

• 175% year-over-year increase in new deposit accounts achieved without increasing advertising spend
• +3 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• CO-OP Shared Branching NetworkcoreChannel Partner/ Reseller/ DistributorPartnership provides AdelFi members access to 5,000+ shared branches and 30,000+ surcharge-free ATMs nationwide through the CO-OP Network. This enables members to conduct transactions at any participating credit union location across the United States.
• ClutchcoreGTM or Marketing PartnerMarketing and growth optimization partner that helped Christian Community Credit Union achieve a 175% year-over-year increase in new deposit accounts without increasing advertising spend. Clutch provided marketing attribution and account-opening funnel optimization services.
• NCRcoreTechnology or IntegrationTechnology provider powering AdelFi's Online Banking service with encryption technology such as SSL to protect information entered and submitted from the website.
• American Share Insurance (ASI)coreOthersInsurance provider covering each AdelFi account up to $250,000 per deposit account (not per member), compared to FDIC which insures per member. This provides exceptional insurance coverage for members with multiple accounts.
• AdelFi Credit UnioncoreStrategic or Co-development PartnerMerger partner effective December 1, 2025. Christian Community Credit Union merged with AdelFi to form the largest faith-based credit union in the United States with over 125 years of combined experience. The unified brand is now AdelFi Christian Banking with a 12-18 month system integration period.
• GreenPath Financial WellnessminorGTM or Marketing PartnerFinancial wellness resource partner providing members with access to financial counseling, debt management, and homeownership education services.

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Pentagon Federal Credit Union (PenFed): Another prominent military-affinity credit union with nationwide digital banking. Directly comparable in the affinity/membership-based credit union model and full-service deposit/lending offerings.
• Connexus Credit Union: Large national membership credit union offering high-yield online savings and consumer loans. Comparable as a national-scale digital credit union competing for the same direct-to-consumer deposit market.
• Navy Federal Credit Union: U.S. military-affiliated credit union and the largest in the country with nationwide digital and physical reach. Comparable to AdelFi as a member-affinity credit union model that turns a defined community into scale (though much larger and secular).
• Mountain America Credit Union: Large community credit union with full deposit and lending products and nationwide digital access. Comparable as a multi-state community credit union serving consumer and small business members.

Direct peers

• Alliant Credit Union: Online-first nationwide community-chartered credit union offering high-yield savings, checking, and consumer lending. Comparable as a digital, nationwide-membership credit union competing in the same direct-to-consumer deposit market.
• First Tech Federal Credit Union: Affinity-based credit union serving the technology industry with nationwide digital banking. Comparable as a member-affinity, digital-first credit union competing for the same national direct-to-consumer deposit market.
• SchoolsFirst Federal Credit Union: Largest credit union serving California school employees and their families. Directly comparable as a member-affinity, California-headquartered credit union serving a defined community with similar deposit, lending, and digital banking products.
• Bethpage Federal Credit Union: Long Island-based federal credit union that has expanded to nationwide digital membership. Comparable as a community-chartered credit union using digital channels to acquire out-of-territory members.

Regional players

• California Credit Union: California-based community credit union serving the same California geography with similar consumer banking, lending, and digital services; serves as a direct regional alternative for members.

Emerging players

• Liberty Federal Credit Union: Faith- and values-aligned credit union serving educators, healthcare workers, and similar affinity groups with comparable deposit, lending, and digital products to AdelFi.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mycccu
• Facebookfacebook.com/myCCCU

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Christian Community Credit Union