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Auto Loan Refinance

Waived loan funding fee, no payments for 90-days1 and lower Your Auto Loan Expense Up To 2.00% APR2 When You Refinance With ACCU!

Let’s say that two years ago you purchased a new car with a 5-year loan and you have been diligently making your payments. Since opening the loan interest rates may have changed, your credit score has risen, or you
would like to lower your monthly loan obligations. Now may be the best time to refinance your existing auto loan to help reduce your payment, interest expense, or both! 

Use Promo Code ALBF19 when applying. 

 

Apply Now

1 90-days no payments: Interest will continue to accrue during this period. Applicant must use promo code ALBF19 when submitting the application to qualify. Repayment of the loan is still subject to the number of installments chosen at time of funding (i.e. 60,72,or 84 monthly payments). Current ACCU loans not eligible for promotion. Offer valid through December 15, 2019.

 

2 APR = Annual Percentage Rate. Offer valid through December 7, 2019. Applicant must use promo code ALBF19 when submitting the application to qualify. Consumer auto loans only. Loans subject to credit approval. Not all applicants will qualify. APR quoted assumes a rate discount of 0.50% for ACH/automatic payment is utilized and remains intact for the life of the loan. 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. Floor rate is 3.29% APR. Loan amount must be at least $5,000 to be eligible for this offer. The 3.29% APR is available on terms up to 60 months. Vehicles are subject to Kelley Blue Book valuation. For a $15,000 auto loan with a 60-month term at 3.29% APR, the approximate monthly payment will be $272.00. Current ACCU loans not eligible.

Rates, terms, and conditions are subject to change or discontinue at any time, without notice. Additional restrictions apply.

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. 

 

 

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 within the first 60 days of account openeing. 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.  

 

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
5-9 years 0.10%  0.10% 0.20%
10 - 19 years 0.20% 0.10% 0.30%
20+ years 0.40% 0.10% 0.50%

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. 

 

 

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.

Product Details:

  • 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

Learn more about out Ministry Money Market

Already a member? Apply here

Federally insured by the National Credit Union Administration to $250,000.

Excess coverage for corporate accounts up to $100,000 by American Share Insurance.

 

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® 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 4.75% 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 4.75%. 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 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. 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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MISSIONAL BANKING

For individuals and organizations across the spectrum of Christian traditions, America’s Christian Credit Union is the only banking partner that is relentlessly dedicated to serving the wider Kingdom of God. We do this by personally supporting, advising, and building stronger families, ministries, communities and futures through biblically grounded stewardship principles—rooted in the Wesleyan Holiness heritage.