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Building Stronger Ministries With Church Loans Suited To Your Ministry’s Needs.

For over 60 years, America’s Christian Credit Union’s mission has been, “To Reach, Serve, and Teach.” That is why we go to every length to understand and support the growth of your mission.

We’ve perfected an efficient loan process to save your ministry time and money. Whether purchasing, renovating, or expanding, our experienced and dedicated staff can provide straightforward solutions. Look below to see the multiple term and rate options we offer to help your church or ministry fund the praise-worthy projects it holds dear.

Questions? Simply click either of the “Inquire Now” buttons on this page. We’ll learn about your goals and arrange a time to talk about how we can help.

  • We can offer low rates on loans because:
    • We are a not-for-profit credit union
    • Our mission is to help ministries extend God's reach
  • Use for wide range of purposes such as:
    • Parsonages, schools, equipment maintenance
  • In-house Church Loan Management
  • Quick decision making
  • Streamlined application process
  • Savings-secured loans available
  • Peace of mind that interest generated is being used to support other Christian ministries

Our seven-year fixed rate offers a long-term loan without interest rate adjustments. This loan is ideal for those seeking a competitive steady term without periodic interest rate adjustments.

  • Security in a long-term interest rate
  • Consistent payment for seven years
  • Longer period of time between rate reprices
  • Amortized terms of 20 to 25 years available

Our nine-year church loan offers churches looking to obtain the best rate possible, and then reprices every three year for the nine-year term of the loan.

  • Lowest possible initial rate
  • Rate resets every 3 years
  • Amortized terms of 20-25 years available 

Our 10-year and 15-year terms provides your ministry a longer period of time between loan renewals, along with a reduction in fees associated with shorter term loan renewals that is helpful as your church grows.

10 year term with a 5 year reprice

  • Rate resets every 5 years
  • No renewal or re-qualification required for 15 years
  • Amortized terms of 20 to 25 years available

15 year term with a 5 year reprice

  • Rate resets every 5 years
  • No renewal or re-qualification required for 15 years
  • No renewal fees or additional loan costs for 15 years
  • Amortized terms of 20 to 25 years available

Get our lowest rate by using your deposits at America's Christian CU as collateral.

  • Use your savings or Term Share Certificate deposits as security pledge
  • Continue earning dividends on deposits
  • Interest rate only 3% above dividend earnings
  • Access to funds without depleting your savings
  • Easy loan approval

Corporate Relations

[email protected]

800.343.6328

Easy to find, ready to help