Our monthly promotions are always changing, check back frequently to see our specials and offers for members. 

Consumer Summer Specials

The Captain's TSC

Sail away with a special high-yield Term Share Certificate (TSC) for you and the crew!

2.25%APY1 Certificate Details

  • High fixed rate
  • 15-month term
  • $1,000 minimum deposit to open
  • $60,000 maximum per member
  • No service fee
  • NCUA and ASI insured

Maximize your earnings and watch your savings grow faster with this promotional, 15-month TSC, available throughout July. Take advantage of this special offer to strengthen your finances before it sets sail on July 31st

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

HELOC Special

Get a $100 Gift Card When You Open a HELOC5

Get Fast Approval On A Low, Variable Rate Home Equity Line of Credit Today!

HELOC benefits:

  • Competitive rates. 
  • Borrow only as needed. 
  • Make payments only on the portion you use. 
  • Low-closing costs3

Ideal for:

  • Home improvement
  • Debt consolidation
  • College tuition
  • Major expenses
  • And more

Apply Now! 

Learn More.

VISA Special

Get a $50 Gift Card When You Open a New Visa5

America's Christian Credit Union's first cash back option credit card is geared to help you maximize the most from your daily spending. By earning points on everyday purchases, you build towards a cash, travel, merchandise or gift card reward redeemable when you want it.

  • Earn points for every purchase and double points for any charitable organizational purchase
    • 1.25 points per $1 spent on purchases
    • 2.50 points per $1 spent at charitable organizations
  • Each purchase gives back to ministries.4
  • Earn 12,500 points with your new Visa Signature Rewards Card:
    • Receive 2,500 points on your first card transaction
    • Receive 10,000 points if you spend $3,000 in the first 90 days

Apply Now!

Learn More.

Summer Loan Special

Get a $25 Gift Card When You Open a Summer Loan5

The Summer Loan - Play, Stay, or Getaway! Use the funds how you see fit - book a vacation, pay off bills, or complete some projects around the house this summer. This loan has a streamlined application process will make it quick and easy to apply for the loan and get back to the family fun!

6.99% APR2

  • Fixed rate
  • 12-month term
  • Up to $5,000
  • No pre-payment penalty

Apply Now!

Learn More.

Ministry & Business Summer Specials

The Mainsail TSC

2.50% APY1 Certificate Details

  • High fixed rate 
  • 3-year term
  • 1x bump up option
  • $25,000 minimum deposit per organization
  • $400,000 maximum deposit per organization
  • No service fee
  • NCUA and ASI Insured

Inquire Now

Have a question for our corporate relations team? Call us at 1-800-343-6328

Business Visa®

For every new Business Visa® Credit Card opened, your organization will receive a $50 gift card.6

  • No annual fee
  • A portion of every purchase goes to Christian ministries locally and worldwide through our "Give Back" feature
  • Free enrollment in Visa Savings Edge
    • Automatic discounts at national retailers
    • Discounts appear as credits on future statements
    • Savings available on gas, car rental, office supplies, technology, and more
  • Use everywhere Visa is accepted
  • Consolidated statement option
  • $250,000 travel accident insurance
  • Visa transaction alerts
  • 24/7 online account management tools

Inquire Now

Have a question for our corporate relations team? Call us at 1-800-343-6328

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 Details7

  • 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

Consumer Summer Specials - 

Must qualify for membership. A $2 membership fee may apply. Current ACCU loans not eligible. Rates, terms, and conditions are subject to change or discontinue at any time, without notice. 

1APY = Annual Percentage Yield

2APR = Annual Percentage Rate

The Captain's TSC: This special high-yield 15-month term share certificate (TSC) has a $1,000.00 minimum balance and $60,000.00 maximum balance per member. Existing members are eligible. Account must be funded with new funds or funds deposited less than 30 days prior to opening. Early withdrawal penalties do apply which may reduce the principal. At maturity, this Term Share Certificate (TSC) will automatically renew for a 12-month term at the current 12-month TSC rate unless we are notified in writing prior to the maturity date. Offer valid through 07/31/2018. All program rates, offer, terms and conditions are subject to change without notice. Certain restrictions apply. 

3HELOC: Other costs may be associated with this loan. ACCU will cover costs up to $500 for loan amounts under $100,000, $1,000 for loan amounts between $100,000 - $250,000, and $2,500 for loan amounts over $250,000. This HELOC is a variable rate plan as described in the applicable loan documents. 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 index as of 6/27/18 is 5.00%. APR will not exceed 18.00%. Rates are based on credit history and underwriting 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 is required to open a HELOC. Minimum $20,000 balance/advance is required to receive the Home Improvement Gift Card. Deposit account at ACCU required to fund loan.

 

4Visa Signature Rewards Card: Donation is made by America's Christian CU. 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.

Summer Loan: This is a fixed rate loan. Monthly payment for a $5,000 summer loan with a 12 month term at 6.99% APR would be approximately $433.00.  Minimum loan amount is $500; maximum loan amount is $5,000.  Loan subject to credit approval. Approvals are based on credit history and underwriting factors. Deposit account at ACCU required to fund loan. A $25 processing fee applies. Longer terms may be available at a higher rate.

5All program rates, offers, terms and conditions are subject to change without notice. Must qualify for membership. Offers expire 7/31/2018 unless otherwise stated. Certain restrictions apply. Rates are subject to change without notice. Offers do not apply to existing ACCU loans. A one-time $2 membership applies if you do not have a deposit account at ACCU. 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. An Equal Housing Lender.

Ministry/Business Summer Specials - 

Mainsail TSC: APY is accurate as of 07/02/2018. APY assumes that dividends will remain in the account until maturity. If the standard rate increases on a 3-year term share certificate (TSC), you can bump up your rate once during the term. Minimum deposit is $25,000; maximum deposit is $400,000 per organization. No additional deposits can be made during the term. At maturity, the TSC will renew for another 3-year term at the prevailing rate.  A penalty will be imposed on early withdrawals which may reduce the principal. This offer is for new funds only. Offer valid through July 31, 2018. All program rates, offer, terms and conditions are subject to change without notice. Certain restrictions apply.

6Promotional funds may be subject to 1099 reporting. Any applicable taxes and reporting are the responsibility of the organization. Offer not valid on current ACCU loans. Must qualify for membership. A one-time $2 membership fee may apply. A business/ministry savings or checking account is required to fund the account. The credit union is federally insured by the National Credit Union Administration. Additionally insured by American Share Insurance. An Equal Housing Lender.

New Member Specials - 

7New Member Certificate: The 12-month term certificate has a $1,000.00 minimum balance and $4,000.00 maximum balance per member. Only new members are eligible. Account must be funded with new funds or funds deposited less than 30 days prior to opening. Early withdrawal penalties do apply which may reduce the principal. At maturity, this Term Share Certificate (TSC) will automatically renew for a 12-month term at the current 12-month TSC rate unless we are notified in writing prior to the maturity date. Offer valid through July 31, 2018. Must qualify for membership. A $2 membership fee may apply. Current ACCU loans not eligible. Rates, terms, and conditions are subject to change or discontinue at any time, without notice.  

Personal Term Share Certificates See Details

Term Share CertificatesMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded/Paid
90 Day $1,000 $1,000 0.75% 0.75% Fixed Monthly
6 Month $1,000 $1,000 0.85% 0.85% Fixed Monthly
9 Month $1,000 $1,000 1.10% 1.11% Fixed Monthly
12 Month $1,000 $1,000 1.55% 1.56% Fixed Monthly
18 Month $1,000 $1,000 1.70% 1.71% Fixed Monthly
24 Month $1,000 $1,000 1.80% 1.81% Fixed Monthly
36 Month $1,000 $1,000 2.00% 2.02% Fixed Monthly
48 Month $1,000 $1,000 2.35% 2.38% Fixed Monthly
60 Month $1,000 $1,000 2.85% 2.89% Fixed Monthly

Penalty for early withdrawal. Minimum Balance is required in order to open Term Share Certificate and earn dividend.

Personal Loans

Loan TypeRate (APR* as low as)
Signature (12 months)** 6.99%
Signature (up to 36 months) 7.50%
G.O.O.D. (Get Out Of Debt) Loan (up to 36 months) 6.99%
Signature (37 months - 60 months) 7.99%
Overdraft/Line of Credit 9.00%

*APR = Annual Percentage Rate

** Signature loan at 12 months has a maximum loan amount of $5,000.00.

For a $10,000 Personal Loan with a 60 month term at 7.99% APY, the monthly payment will be $203.00.

Visa Credit Card Rates

Card TypeRate (APR* as low as)Minimum Credit Line Available
Giveback Platinum Visa 11.90% $1,000
Platinum Rewards Visa 12.40% $1,000
Visa Signature Card 11.65% $5,000
Share-Secured Visa 19.49% $1,000



*APR = Annual Percentage Rate. 

View the full disclosure for Visa Platinum and Visa Platinum with rewards to learn more.

Visa Platinum and Visa Platinum with rewards: 0% Annual Percentage Rate on new purchases within the first 6 months of opening the credit card. After that, your APR will be 11.65% to 16.65% or 12.15% to 17.15% depending on product type. 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. Applicants who do not qualify for the Visa GiveBack Platinum credit card may be approved for a Share-Secured Visa credit card. Rates, terms and conditions subject to change.  Offer not valid on current ACCU loans. Subject to credit approval.

View the full disclosure for Visa Signature Card to learn more.

Visa Signature Rewards Card: 0% Annual Percentage Rate on new purchases within the first 6 months of opening the credit card. After that, your APR will be 11.65% to 19.65%. 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. Applicants who do not qualify for the Visa Signature Rewards Card may be approved for a Visa Platinum or Share-Secured Visa credit card. Rates, terms and conditions subject to change.  Offer not valid on current ACCU loans. Subject to credit approval.