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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 07/01/2019. 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 prior to or within 7 days of maturity date. This offer is for new members or members without a prior savings, money market or term share certificate account with new funds or funds deposited less than 30 days prior to opening. Offer is vaild through 9/30/2019. 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 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. 

 

Refer-A-Ministry Program

Love how our service strengthened your ministry? Tell churches and ministries you know about America's Christian Credit Union (ACCU). When you refer a church or ministry to ACCU for membership through the link below, you will both be eligible to open a New Member 4.00% APY* Term Share Certificate (TSC) for your organizations. 

How it Works:

  1. Tell the organization you are referring how great America's Christian Credit Union's services are and how they would benefit from having a like-minded financial partner.
  2. Tell them to fill out this form with your organization's name as referrer.
  3. Once they are approved of membership, you will be sent an email with instructions to open a New Membership TSC.

New Member TSC:

  • 4.00% APY
  • 12-month term
  • $1,000 minimum deposit
  • $4,000 maximum deposit

APY=Annual Percentage Yield and is accurate as of 07/01/2019. 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 / Refer-a-Ministry TSC is 4.00% APY for 12 months. At maturity, the 4.00% APY New Member / Refer-a-Ministry 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 funds or funds deposited less than 30 days prior to opening which applies to both referring and referred members. Referring member will be notified via email or phone if eligible to claim Refer-a-Ministry TSC offer. Offer valid through 09/30/2019. All program rates, offers, terms and conditions are subject to change without notice. Certain restrictions apply.

Refered entity 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. 

 

Refer-A-Friend Program

Love our mission? Love our products? Love our service? Tell your family and friends about America's Christian Credit Union (ACCU). When you refer a family member or friend to ACCU membership, you will both be eligible to open a New Member Term Share Certificate (TSC). This high-yield term share certificate is an exclusive product only offered to new members, but we want to reward you for referring your family and friends to ACCU. 

How it Works:

  1. Tell your family and friends about how much you love America's Christian Credit Union's service and products and refer them for membership
  2. Ask the person you referred to enter your full name, city, and state in the "referred by" question on ACCU's membership application
  3. After their account is opened you will receive an email notification with instruction on opening your New Member Term Share Certificate.

Product Details:

  • 4.00% APY*
  • 12 months term
  • $1,000 minimum / $4,000 maximum

* APY=Annual Percentage Yield and is accurate as of July 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 / Refer-a-Friend TSC is 4.00% APY for 12 months. At maturity, the 4.00% APY New Member / Refer-a-Friend 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 funds or funds deposited less than 30 days prior to opening which applies to both referring and referred members. Limit 4 referrals per member. Referring member will be notified via email or phone if eligible to claim Refer-a-Friend TSC offer. Offer valid through 09/30/2019. All program rates, offers, terms and conditions are subject to change without notice. Certain restrictions apply.

Refered person 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. 

 

Visa® Signature Rewards Credit Card

Open a Visa Signature Rewards Credit Card and meet minimum requirements to earn 62,500 bonus points. Offer available for business and personal accounts.

Introductory Offer:

  • Earn 62,500 bonus rewards points when you open a credit card for business or personal use
  • Earn rewards on everyday purchase and donations 
  • Redeem rewards points for cash back, travel, gift cards, and merchandise

Learn more about our Visa Signature Credit Card.

Apply Now!

Introductory Offer: i. Receive 10,000 bonus rewards points upon card issuance. ii. Receive 2,500 bonus rewards points on first transaction. iii. Receive 50,000 bonus rewards points if you spend $3,000 in the first 90 days*.

*90 day period begins from the issuance date of the credit card. Credit card opening bonus rewards point offer valid through August 31, 2019. Offer for consumer only. Bonus rewards points will be added to account after September 30, 2019.

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 20.15%. 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. See application for full disclosure.

 

Visa® Business Rewards Credit Card

Open a Visa Business Rewards Credit Card and meet minimum requirements to earn 62,500 bonus points. 

Introductory Offer:

  • 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.

Learn more about our Business Rewards Credit Cards. 

Inquire Now!

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.

 

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 over $150,000 & 3.99% APR for under $150,000 for the first 12 months* thereafter, variable rate as low as 5.50% APR2
  • Open a qualifying HELOC and receive a $100 Home Improvement Gift Card3
  • Low closing costs4
  • Competitive rates, and manageable terms that may be tax deductible5
  • 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

Learn more about our HELOCs.

Apply Now!

1APR = Annual Percentage Rate.

2This 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.

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. Savings 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.