Stronger Futures - Together Let's Take The New Year Head On

At America’s Christian Credit Union, we are dedicated to ensuring you have the best savings, investment and lending products available to help you build a stronger future and exceed your financial goals. Whether you are an existing member, or considering partnering with us, we are committed to helping you take 2019 head on and equipping you for your financial journey ahead.

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


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.

Individual Retirement Accounts

Get a head start on your retirement or continue to build a brighter and stronger future with a wide variety of Traditional & Roth Individual Retirement Account (IRA) options available from America’s Christian Credit Union. In addition to building a stronger future and preparing for retirement, there can be tax-savings advantages that can be gained when opening or contributing to an IRA1. In addition, IRA accounts can be opened with as little as a $50.002 and have an annual percentage yield (APY) up to 2.98%3

If that isn’t enough, you can rest assured knowing that your IRA deposits are federally insured separately from your other deposit accounts for up to $250,000 by the NCUSIF with additional deposit insurance of $200,000 from American Share Insurance (ASI) for a combined total coverage of $450,000.

Explore IRA Options and Get Started Today!

1Not all tax advantages may be available to you. Specific questions on taxes and tax-savings to be gained from an IRA contribution should be directed to your tax advisor.

2$50.00 minimum deposit to open share/savings and earn dividends. A minimum deposit of $500.00 is required to open an IRA attached to a term and earn dividends.

32.98% APY is accurate as of 1/1/19 and representative of a 60-month term IRA with a minimum deposit of $500.00 IRA Accounts are subject to a penalty for early withdrawal.

Secure Checking

Are you looking for more out of your checking account? Our secure checking account is loaded with valuable benefits and designed to add convenience to your everyday life to help ensure a stronger future. This includes: 

  • Earning dividends on your checking balances4.
  • Identity theft protection with IDProtect®5 identity theft monitoring, credit file monitoring6, and up to $10,000 in identity theft expense reimbursement7.
  • Protection from the unexpected - Up to $10,000 of Accidental Death & Dismemberment Insurance7
  • Debit Advantage TM Including buyer’s protection and extended warranties on items purchased through your Secure Checking Account7.
  • Cell phone protection – Receive up to $300 of replacement or repair cost for damaged or stolen phones7,8.

Compare Our Checking Accounts and Open One Today!

4$1,500 daily balance required to earn dividends. As of 1/1/19 effective dividend rate on Secure checking is 0.10%

5IDProtect 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.

6Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

7Special 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.

8Cellular telephone bill must be paid through Secure Checking account. Coverage is extended to the first three phone lines/numbers listed on provider bill. Up to two claims per year per phone/line.

Debt Consolidation & Personal Loans

A new year often inspires a fresh start. America’s Christian Credit Union offers a wide variety of personal loan options that can help consolidate debt into a single manageable payment. Afterall, we are here to help you build the strongest future possible. Whether it be consolidating high-rate credit cards or other personal loans into a single fixed payment with rates as low as 6.99% APR9, or refinancing student loans with a rate as low as 3.99% APR10 we have a personal loan option that will fit your needs.

G.O.O.D Loan (Get Out Of Debt)

  • Great rates as low as 6.99% APR9
  • Terms up to 36 months
  • Loan amounts up to $10,000
  • No annual fees
  • Improve your credit score
  • Experience financial peace

Explore Our G.O.O.D Loan and Apply Now!

Student Loan Refinance

  • Rates as low as 3.99% APR10
  • Zero loan origination fees
  • Flexible repayment terms
  • Easy one-time application
  • Refinance one or more education loans in repayment
  • The maximum borrowing limit is $50,000
  • The borrower must have graduated
  • Fixed or variable rates available
  • 5 - 15-year loan terms available
  • No prepayment penalty

Explore Our Student Loan Options and Apply Now!

9APR – Annual Percentage Rate. Loans subject to credit approval. Not all applicants will qualify for the best rate. Rates, terms and conditions are subject to change without notice. Rate as of 12/31/2018. $25 loan processing fee. Must qualify for membership. Sample payment: For a $10,000 GOOD loan with a 36-month term at 6.99% APR, the monthly payment will be $304.17. Maximum loan amount is $10,000. Shorter terms available. Not available on current ACCU loans.

10APR – Annual Percentage Rate. 3.99% Student Loan Refinance APR assumes excellent credit history and maximum rate discount of 0.25% for ACH/automatic payment. Rate as of 01/01/2019. Your actual APR may vary based on loan type, your credit history, ability to repay, approved loan amount, term, and applicable discounts. Rates, terms, and conditions are subject to change without notice. Additional restrictions apply.

Auto Loan & Auto Refinance

At America’s Christian Credit Union, we are called to ensure that you have the best loan available for your situation and want to equip you for your next big purchase, or ensure you have the best terms available to you on a vehicle you may already be driving.

Auto Purchases & Refinancing (2018 model year or newer)

  • Rates as low as 2.99% APR11
  • Up to 100% financing, including tax and license
  • Terms up to 84 months
  • Pre-approval available for better buying power

Auto Purchases & Refinancing (2017 model year or older)

  • Rates as low as 3.74% APR11
  • Used vehicles up to 100% financing based on Kelley Blue Book value
  • Terms up to 84 months
  • Pre-approval available for better buying power

Additional Auto Loan Benefits

We would be absolutely thrilled to discuss your specific needs or equip you with a pre-approval.

Call us at 1-800-343-6328 or Apply Now!

11APR – Annual Percentage Rate. Loans subject to credit approval. Not all applicants will qualify. Advertised “as low as rate" APR assumes excellent credit history and maximum rate discount of 0.50% for ACH/automatic payment. Rate as of 12/31/2018. 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. The 2.99% APR is available on terms up to 60 months. There is a $25.00 loan application fee. Rates, terms, and conditions are subject to change without notice. Additional restrictions apply. Used vehicles are subject to Kelly Blue Book valuation. For a $15,000 auto loan with a 60-month term at 5.99% APR, the approximate monthly payment will be is $290.00.

Church Loan Refinance

Are you looking to refinance your organization's loan? For over 60 years, we've helped hundreds of churches, ministries, and schools from coast to coast. Our loan solutions - including construction, expansion, and term - can help your institution. 

Loan Refinance Details

  • Rates as low as 4.50% APR12
  • Refinance with cash-out options
  • Expand or upgrade buildings
  • Add-on to your campus
  • Terms to fit your needs

Speak to our corporate services team at 1-800-343-6328 or Inquire Here! 

12 APR = Annual Percentage Rate. Loan approval and rates are subject to credit, income, property appraisal and qualifications. Costs may be associated with this loan. Offer not valid on current America's Christian Credit Union loans. Rates, terms, and conditions subject to change or discontinuation at any time without notice. Must qualify for membership. a $2 membership fee may apply. A savings or checking account is required to fund the account.