Auto Loan Refinance
COVID-19 has certainly brought some unique challenges to every day life. We want to assure you we are here to help you in any way we can. Our mission is to assist our members in communities across the country in responding to hardships and recovery efforts. We call this "Stronger Together" and it is our enduring rallying cry - well beyond this Coronavirus epidemic.
One way we may be able to help during this season is to help you limit cash outflows. If you have an existing auto loan (even outside of ACCU) we can refinance it to restructure it in a way that makes sense for your current budget. This may include lowering your interest rate (if possible), or re-amortizing the loan, so your monthly payment is reduced. Also, when you refinance auto loans or take out another form of a personal loan with ACCU, you have the option to defer your first payment up to 90-days1!
1 90-days no payments: Must be requested by borrower. Applicant must use code AUTOREFI90 when submitting the application to qualify. Interest will continue to accrue during this period. Repayment of the loan is still subject to the number of installments chosen at time of funding (i.e. 36, 60, or 84 monthly payments). Current ACCU loans not eligible for promotion. Please call 1-800-343-6328 to discuss other options for current ACCU loans.
Impacted by the Coronavirus Pandemic? We’re here to help.
In light of the significant impact and ongoing uncertainty around the Coronavirus pandemic, please know that your well-being and financial needs are our top priorities. With that in mind, in regard to your student loan account we have taken steps to ensure that you have access to the services and personalized support that you may need.
University Accounting Service (UAS) is the loan servicer for your account and provides 24/7 access to view your student loan information and make payments at www.uasecho.com. (Payments by mail should be sent to University Accounting Service, PO Box 5865, Carol Stream, IL 60197-5865.)
If you have additional questions regarding your student loan account, or are experiencing difficulties at this time and need to discuss repayment options to keep your account in good standing, please call 800-723-2210 to speak with a servicing agent.
Consolidate debt from your high-interest credit card and other loans with a new, low rate Personal Loan to help you simplify your finances and manage your payments.
- Maximum borrowing limit is $30,000
- Rates ranging from 6.99% APR – 16.75% APR4
- Flexible terms from 12 – 60 months
APR = Annual Percentage Rate and is accurate as of 01/01/2020. Loans subject to credit approval. Advertised “as low as rate" APR assumes excellent credit history and maximum rate discount of 0.50% for ACH/automatic payment. Your actual APR may vary based on loan type, your credit history, ability to repay, approved loan amount, term, and applicable discounts. Not all applicants will qualify for the lowest rate. Rates, terms and conditions are subject to change without notice. Must qualify for membership. $25 loan processing fee for personal loans. $50 loan processing fee for Debt Consolidation. For a $5,000 Personal Loand with a 12-month term at 6.99% APR, the approximate monthly payment will be $433. For a $10,000 Personal Loan with a 60-month term at 8.99% APR, the approximate monthly payment will be $208.00.
Home Equity Line of Credit (HELOC) - Introductory Rate
Time to make improvements? Use the equity in your home to make upgrades, repairs or pay off your high rate loans and consolidate.
- Introductory Offer :
- 2.99% APR1 for loans $150,000 and above & 3.99% APR for loans under $150,000 for the first 12 months* thereafter, variable rate as low as 3.25% APR2
- Low closing costs3
- Competitive rates, and manageable terms that may be tax deductible4
- Flexibility to draw against your approved credit line as needed
- Easy access to available HELOC funds through direct check-writing
- Continued access to available funds during draw period without having to re-apply
1 APR = Annual Percentage Rate.
2 This HELOC (Home Equity Line of Credit) is a variable rate plan as described in the applicable loan documents. Introductory rate is good for 12 months and then the APR will vary for the remaining life of the loan as determined by the product choice of Quarterly Adjustable, Annual Adjustable or 3 year Reprice. Annual Percentage Rate (APR) may vary based on the index rate plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. The current index is 3.25%. APR will not exceed 18.00%. Advertised “as low as” APR assumes excellent credit history, loan-to-value, and maximum rate discount of 0.25% for ACH/automatic payment. Qualification and APR dependent on credit history, debt to income, loan-to-value, ability to repay, homeownership, and other factors. Maximum loan-to-value ratio is 70% for owner-occupied and 60% for non-owner occupied, based on appraisal value. Available to owner and non-owner occupied, single-family dwellings. Minimum advance is $5,000. Current ACCU loans not eligible for promotion rate. Rates, terms, and conditions are subject to change or discontinue at any time, without notice. For a $50,000 Home Equity Line of Credit, Quarterly Adjustable, with 70% Loan to Value at 4.75% APR, the monthly payment will be approximately $262.
3Other costs may be associated with this loan. ACCU will cover closing costs up to $500.
4Consult a tax advisor for further information regarding the deductibility of interest and charges.
Must qualify for membership. A $2 membership fee may apply. The credit union is federally insured by the National Credit Union Administration. Added savings protection provided by American Share Insurance. Please speak to a credit union representative for details. Equal Housing Opportunity.
New Member Special
Welcome to America's Christian Credit Union. As a special thank you for choosing to bank with someone who invests in Kingdom causes, we are offering a new member term share certificate to start your investments off right! Each dollar invested at America's Christian Credit Union (ACCU) is used to provide loan assistance to churches and ministries so they can expand the Kingdom. ACCU can provide peace of mind because funds invested are insured up to the maximum allowable limits by National Credit Union Administration and American Share Insurance.
3.00% APY1 Certificate Details
- High fixed rate
- 12-month term
- $1,000 minimum deposit
- $4,000 maximum deposit per member
- No service fee
- NCUA and ASI Insured
Not a member yet? Get started in opening your high-yield term share certificate by clicking here.
Not sure if you qualify? Call us at 1-800-343-6328
1APY=Annual Percentage Yield and is accurate as of 12/01/2019. APY assumes that dividends will remain in the account until maturity. Minimum deposit is $1,000. Early withdrawal penalties do apply which may reduce the principal. New Member TSC is 3.00% APY for 12 months. At maturity, the promotional TSC will renew as a traditional TSC for another 12-month term at the prevailing rate unless we are notified prior to or within 7 days of maturity date. This offer is for new members or members within the first 60 days of account openeing. Offer is vaild through 7/31/2020. All program rates, offers, terms and conditions are subject to change without notice. Certain restrictions apply.
Must qualify for membership. A $2 membership fee may apply. Savings is required to fund the account. The credit union is federally insured by the National Credit Union Administration. Added savings protection provided by American Share Insurance. Please speak to a credit union representative for details.
Member Loyalty Program
We know you have a lot of choices for your financial needs, from big banks, community banks and other credit unions, there are a lot of options. We want to thank you for choosing America's Christian CU as your financial institution! If you have been a member for 5 years or longer, you may qualify for a special rate bonus on a newly opened term share certificate (TSC) through our loyalty program.
|Membership Length||Rate + Bonus||Bonus for $50,000 in new funds||Total Possible Rate Bonus|
|10 - 19 years||0.20%||0.10%||0.30%|
Call 800.343.6328 to check membership opening date and request bonus.
Offer valid on newly opened Term Share Certificates (TSC). Limit one per member. Minimum deposit is $1,000 to open TSC. Early withdrawal penalties do apply which may reduce the principal. At maturity, the promotional TSC will renew as a traditional TSC for selected term at the prevailing rate unless we are notified prior to or within 7 days of maturity date. This offer is contingent on membership opening date.
Bonus rate structure available on terms 90 days to 5 years:
ii. 5 – 9 years receives 0.10% APR bonus added to the posted dividend rate according to selected term length
ii. 10 – 19 years receives 0.20% APR bonus added to the posted dividend rate according to selected term length
iii. 20+ years receives 0.40% APR bonus added to the posted dividend rate according to selected term length
iv. $50,000+ in new fund receives an additional 0.10% APR bonus. New funds cannot come from an existing America’s Christian CU account.
Offer is valid through 12/31/2019. All program rates, offers, terms and conditions are subject to change without notice. Certain restrictions apply. The credit union is federally insured by the National Credit Union Administration. Added savings protection provided by American Share Insurance. Please speak to a credit union representative for details.
Consumer Visa® Balance Transfers
Open a VISA® Signature Rewards Credit Card and take advantage of 0% introductory APR1 on balance transfers and purchases in the first six-months from card issuance, thereafter the rate will be as low as 12.15% APR
- No annual fee
- Earn 12,500 bonus rewards points:
- Receive 2,500 bonus rewards points on your first card transaction
- Receive 10,000 bonus rewards points if you spend $3,000 in the first 90 days2
- Points can be redeemed for Cash, Travel, Merchandise, and Gift Cards
1 APR = Annual Percentage Rate. 0% APR on new purchases within the first six months from issuance of the credit card. After that, your APR will be 12.15% to 20.25%. The APR is indexed to the Prime Rate, and may vary based on market conditions. Card issuance is contingent on approved credit, and rates offered are based on credit-worthiness. Minimum credit line of $5,000. Applicants who do not qualify for the Visa Signature Rewards Card may be approved for a Visa Platinum or Share-Secured Visa credit card. Not all applicants will qualify for the best rate. All program rates, offer, terms and conditions are subject to change without notice. Certain restrictions apply. Offer not valid for existing ACCU credit cards holders, or cardholders whom have closed their accounts in the past 24 months. One offer per household. Balance Transfer Fee is 3% of the amount of each balance transfer. Cash Advance is 5% of the amount of each cash advance. See application for full disclosure.
2 90 day period begins from the issuance date of the credit card. Offer for consumer only.
Visa® Business Rewards Credit Card
Open a Visa Business Rewards Credit Card and meet minimum requirements to earn 62,500 bonus points.
- Earn 62,500 bonus rewards points when you open a credit card for business use
- Earn rewards on everyday purchase and donations
- Redeem rewards points for cash back, travel, gift cards, and merchandise
- Add employee cards at no additional costs and earn rewards points on their business spending.
Introductory offer: i. Per member account, receive 60,000 bonus rewards points for spending $3,500 in the first 3 months upon card issuance. ii. Receive 2,500 bonus rewards points on your first card transaction.
Bonus rewards points are per account member, earn a one-time bonus of 60,000 points upon opening a new business visa account when spending $3,500 within the first 3 months of opening. Earn a one-time bonus of 2,500 points upon your first card transaction. Terms and conditions are subject to change without notice. Offer not valid on current ACCU credit cards. See application for full disclosure.
Visa® Business Rewards card offers a minimum nominal Annual Percentage Rate (APR) of 12.90% during the term of agreement. The APR is indexed to the Prime Rate and may vary based on market conditions. Card issuance is contingent on approved credit, and rates offered are based on creditworthiness. Rates, terms, and conditions are subject to change or discontinue at anytime and without notice. Offer not valid on current ACCU credit cards.
Ministry Money Market
Do you have plans to expand your ministry? Our Money Market accounts maximize deposits at competitive rates. As you receive donations and allocate funds to your projects, rest assured your funds are accessible and growing more than a regular checking or savings account.
- Earn competitive dividends on balance of $2,500 or more
- Tiered rate structure
- Dividends paid monthly
- Higher rates than regular savings
- No monthly service fee
- Free Online Banking
- Free E-Statements
- Free Mobile Banking
- $2,500 minimum deposit to open
- Restricted to 6 pre-authorized, automated or transfers/withdrawals per month
Federally insured by the National Credit Union Administration to $250,000.
Excess coverage for corporate accounts up to $100,000 by American Share Insurance.