At America's Christian Credit Union, we share a heart for ministry like yours to treat each situation uniquely. With 60 strong years of experience, ACCU has an efficient process to save you time and money. Our professional and dedicated staff can provide straightforward and simple answers amidst the complexities of new construction to achieve maximum benefit to your ministry.

Details
  • 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
  • In-house Construction Loan Management
  • Quick decision making
  • Streamlined application process
  • Use for wide range of purposes, from purchasing to making additions on existing buildings
  • Savings-secured loans available
  • Peace of mind that interest generated is being used to support other Christian ministries
7 Year Fixed Rate & Term

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 race reprices
  • Amortized terms of 20 to 25 years available
9 Year Term With A 3 Year Reprice

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
10 & 15 Year Terms With A 5 Year Reprice

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
Savings-secured loans

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