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: The Mainsail TSC

For the month of July, ACCU is offering this special TSC so your organization can take advantage of this opportunity to build "Stronger Communities".

2.50% APY* Certificate Details

  • High fixed rate 
  • 3-year term
  • 1x bump up option
  • $25,000 minimum deposit
  • $400,000 maximum deposit per organization
  • No service fee
  • NCUA and ASI Insured
*APY=Annual Percentage Yield and 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 07/31/2018. All program rates, offer, terms and conditions are subject to change without notice. Certain restrictions apply.

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.