A timed certificate presents a church or ministry a safe, easy way to maximize its organization's money. You can earn more than regular savings or money markets — with none of the risk associated with investment markets.

Limited Time Offer: Freedom TSC

For the months of September and October, ACCU is offering this special TSC so your organization can take advantage of this opportunity to build "Stronger Ministries".

1.50% APY* Certificate Details

  • High fixed rate
  • 15-month term
  • Ability to make on withdrawal, per calendar month, without penalty
  • $10,000 minimum deposit per organization
  • No maintenance fee
  • NCUA and ASI Insured
*APY=Annual Percentage Yield and is accurate as of 09/01/2018. APY assumes that dividends will remain in the account until maturity. Minimum deposit is $10,000. No additional deposits can be made during the term. One withdrawal per calendar month is allowed. Additional withdrawals may incur a penalty which may reduce the principal. 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 only. Offer valid through 10/31/2018. All program rates, offer, terms and conditions are subject to change without notice. Certain restrictions apply. Existing members are eligible.
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. Additionally insured by American Share Insurance. An Equal Opportunity Housing Lender.
Everyday Ministry TSC
  • Greater returns than savings accounts
  • No risk, no markets to watch
  • Fixed rate guaranteed for term (from 3 months to 5 years)
  • Higher rates for longer terms
  • Penalty on earnings for early withdrawal
  • $1,000 minimum deposit to open

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

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

Ministry 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.