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Strong Communities Are Built On Sound Finances

At America’s Christian Credit Union, we are dedicated to ensuring you have the best savings, investment and lending products available so you can focus on your strong community built on sound finances. Whether you are an existing member, or considering partnering with us, we are committed to helping equip you for your financial journey.

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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. 

4.00% 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

OPEN NOW! 

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 04/01/2019. 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 4.00% 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 in writing prior to the maturity date. This offer is for new funds or funds deposited less than 30 days prior to opening. Offer valid through 06/30/2019. 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 or Checking Account 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. Equal Housing Opportunity.

 

Secure Checking

Did you know that our ‘Secure Checking’ accounts are loaded with valuable benefits? Secure Checking was developed to create an all-in-one product that offers helpful ways to save on phone and identity protection, as well as big rewards on everyday purchases. In addition to all the banking features you’ve come to expect from America’s Christian Credit Union (ACCU), you’ll also enjoy earning interest on your Secure Checking balances.

Benefits Included with $4.95 Monthly Fee:

  • Earn interest on daily balances over $1,500
  • Cell phone protection1 - A savings of up to $13/month when used in substitution for a provider cell phone insurance plan.2
    • Up to $300 reimbursement for replacement or repair costs
    • Covers the first three (3) phone lines on a cellular bill
  • Identity theft protection & credit file monitoring3 - A savings of up to $30/month when used in substitution for a subscribed credit monitoring service.4
    • 3-in-1 credit report refreshed every 90 days through IDProtect®5
    • Notification of credit file changes through email or text message
    • $10,000 identity theft expense reimbursement & fully managed identity theft resolution services
  • And More!

COMPARE OUR CHECKING ACCOUNTS AND OPEN ONE TODAY!

1Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described.  Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions.  Coverage is offered through the company named in the Guide to Benefit or on the insurance document. Guide to Benefit and insurance document will be included in follow-up letter.

2Cost comparison: https://www.tomsguide.com/us/cell-phone-insurance-guide,news-19710.html

3IDProtect service is a personal identity theft protection service available to personal checking account owners and their joint account owners. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a "signer" on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).  Some of the benefits with IDProtect require registration and activation.

4Cost comparison: https://www.nextadvisor.com/identity_theft_protection_services/compare.php

5Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

Must qualify for membership. A $2 membership fee may apply. Savings or Checking Account 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. Equal Housing Opportunity.

 

Home Equity Line of Credit (HELOC) - Introductory Rate

Sunny skies and warmer temperatures signal that Spring is here. For many, this may mean tackling a long-awaited home improvement project. While updates to your home are great, ensuring you have the right financing options to address those projects is even better! When you open a Home Equity Line of Credit (also known as a HELOC), from America's Christian Credit Union (ACCU), you have the flexibility to draw funds as you see fit. Whether you're paying for a major renovation, or just refreshing your home a little at a time, a HELOC from ACCU may be the right solution for you.

  • Introductory Offer - 2.99% APR for loans over $150,000 & 3.99% APR for under $150,000 for the first 12 months* thereafter, variable rate as low as 5.50% APR*
  • Low closing costs2
  • Competitive rates, and manageable terms that may be tax deductible3
  • 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

1APR = Annual Percentage Rate. 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 5.50%. APR will not exceed 18.00%. Advertised “as low as” APR assumes excellent credit history, loan-to-value, and maximum rate discount of 0.50% 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 80% for owner-occupied and 70% 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.

2Other costs may be associated with this loan. ACCU will cover closing costs up to $500.

3Consult a tax advisor for further information regarding the deductibility of interest and charges.

Must qualify for membership. A $2 membership fee may apply. Savings or Checking Account 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. Equal Housing Opportunity.

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The Eternal Value

Our members have access to a wealth of knowledge to assist in financial management — and sow the seeds for a better tomorrow.