Rates

When you partner with America's Christian Credit Union, your investments fund ministries that change the world. Discover how by calling us or applying online today to see our stewardship in action.

Click on a category below to view our rates.

Term Share Certificates

Term Share CertificatesDividend RateAPY*Rate TypeMinimum BalanceCompounded/Paid
90 Day0.20%0.20%Fixed$1,000M
6 Month0.25%0.25%F$1,000M
9 Month0.30%0.30%F$1,000M
12 Month0.40%0.40%F$1,000M
18 Month0.45%0.45%F$1,000M
24 Month0.60% 0.60% F$1,000M
36 Month1.00%1.00%F$1,000M
48 Month1.25%1.25%F$1,000M
60 Month1.50%1.50%F$1,000M

Rates effective as of May 19, 2015.

* APY = Annual Percentage Yield

Individual Retirement Accounts1

Individual Retirement AccountsMinimum BalanceDividend RateAPY*Rate TypeCompounded/Paid
Share/Savings$500.15%0.15%VQ
12 Month$5000.40%0.40%FQ
24 Month$5000.60% 0.60% FQ
36 Month$5001.00% 1.00%FQ
48 Month$5001.25%1.25%FQ
60 Month$5001.50%1.50%FQ

Rates effective as of May 19, 2015.

* APY = Annual Percentage Yield

1. IRA deposits are insured separately from other deposits to $250,000 by the NCUSIF and to $200,000 by ASI. That means your IRA investment is insured up to a combined total of $450,000. IRA Accounts are subject to a penalty for early withdrawal.

Personal Checking and Savings

ProductMinimum BalanceDividend RateAPY*Rate TypeCompounded/Paid
Elite Checking$7500.10%0.10%VariableM
Regular Share / Savings$1000.10%0.10%VQ
Buddy Bee Savings$250.15%0.15%VQ
Youth Savings$250.15%0.15%VQ
Student Savings$250.15%0.15%VQ
Money Market Account$2,5000.15%0.15%VM
$10,000 - $24,999.990.20%0.20%VM
$25,000 - $99,999.990.25%0.25%VM
$100,000 and up0.30%0.30%VM
Money Market Plus Account2$25,000 - $49,999.990.25%0.25%VM
$50,000 - $99,999.990.30%0.30%VM
$100,000 and up0.35%0.35%VM
Christmas Club Account (Max. Acct. Balance: $20,000)$100.15%0.15%VM
Vacation Club Account (Max. Acct. Balance: $20,000)$50.15%0.15%VQ
EDUSHARE®$500.40%0.40%VQ

Rates effective as of May 1, 2015.

* APY = Annual Percentage Yield

Personal Loans

Loan TypeRate (APR** as low as)
Quarterly adjustable HELOC3.25%
3-year Re-price HELOC4.49%
Adoption Loan - Traditional8.90%
Adoption Loan - 84 months10.90%
Adoption Grant Visa10.90%
Adoption Loan - Home Equity Option, 5 yr term4.50%
Adoption Loan - Home Equity Option, 10 yr term6.00%
Adoption Loan - Home Equity Option, 15 yr term6.50%
Auto1.99%
Travel trailer, motor home, van conversion, watercraft, motorcycle6.99%
Savings Secured3.20%
Term Share Certificate3% above certificate rate
Computer Loan8.90%
Signature (up to 36 months)8.75%
Signature (over 36 months)11.00%
Overdraft L75 10.25%
Loanliner L7810.25%
Platinum Visa 10.40%
Platinum Rewards Visa 10.90%

* APY = Annual Percentage Yield

** APR = Annual Percentage Rate

For a $10,000 Car Loan with a 72 month term at 1.99% APY, the monthly payment will be $147.46.

For a $20,000 Adoption Loan with a 5 year term at 8.90% APY, the monthly payment will be $415.00.

For a $10,000 Personal Loan with a 5 year term at 11.50% APY, the monthly payment will be $220.00.

For a $50,000 Home Equity Line of Credit, quarterly adjustable, with 80% Loan to Value at 4.75% APY, the monthly payment will be $285.06.


Ministry Term Share Certificates

Term Share CertificatesMinimum BalanceDividend RateAPY*Rate TypeCompounded/Paid
90 Day$1,0000.20%0.20%FixedM
6 Month$1,0000.25%0.25%FM
9 Month$1,0000.30%0.30%FM
12 Month$1,0000.40%0.40%FM
18 Month$1,0000.45%0.45%FM
24 Month$1,0000.60% 0.60% FM
36 Month$1,0001.00%1.00%FM
48 Month$1,0001.25%1.25%FM
60 Month$1,0001.50%1.50%FM

Rates effective as of May 19, 2015.

* APY = Annual Percentage Yield

Ministry Checking and Savings

ProductMinimum BalanceDividend RateAPY*Rate TypeCompounded/Paid
Regular Share / Savings$1000.10%0.10%VQ
Share Draft/Checking$1,5000.10%0.10%VM
Money Market Account$2,500 - $9,999.990.15%0.15%VM
$10,000 - $24,999.990.20%0.20%VM
$25,000 - $99,999.990.25%0.25%VM
$100,000 and up0.30%0.30%VM
Money Market Plus Account2$25,000 - $49,999.990.25%0.25%VM
$50,000 - $99,999.990.30%0.30%VM
$100,000 and up0.35%0.35%VM

Rates effective as of May 1, 2015.

* APY = Annual Percentage Yield

2. If balance falls below $25,000, the rate drops to the MMA tier 1 rate and $10 monthly fee

Business Term Share Certificates

Term Share CertificatesMinimum BalanceDividend RateAPY*Rate TypeCompounded/Paid
90 Day$1,0000.20%0.20%FixedM
6 Month$1,0000.25%0.25%FM
9 Month$1,0000.30%0.30%FM
12 Month$1,0000.40%0.40%FM
18 Month$1,0000.45%0.45%FM
24 Month$1,0000.60% 0.60% FM
36 Month $1,0001.00%1.00%FM
48 Month $1,0001.25%1.25%FM
60 Month$1,0001.50%1.50%FM

Rates effective as of May 19, 2015.

* APY = Annual Percentage Yield

Business Checking and Savings

ProductMinimum BalanceDividend RateAPY*Rate TypeCompounded/Paid
Regular Share / Savings$1000.10%0.10%VQ
Share Draft/Checking$1,5000.10%0.10%VM
Money Market Account$2,500 - $9,999.990.15%0.15%VM
$10,000 - $24,999.990.20%0.20%VM
$25,000 - $99,999.990.25%0.25%VM
$100,000 and up0.30%0.30%VM
Money Market Plus Account 2$25,000 - $49,999.990.25%0.25%VM
$50,000 - $99,999.990.30%0.30%VM
$100,000 and up0.35%0.35%VM

Rates effective as of May 1, 2015.

* APY = Annual Percentage Yield

2. If balance falls below $25,000, the rate drops to the MMA tier 1 rate and $10 monthly fee