The true meaning of Christmas is peace on Earth and a celebration of our Savior. But all the gift-giving and holiday soirees are a fun addition. Open a Christmas Club Account to ensure you have the funds to give your family a merry Christmas.

  • Save throughout the year for holiday expenses
  • Greater dividend rate than regular savings
  • Dividends paid monthly
  • Full balance automatically disbursed on November 1st
  • Withdrawal limits apply1
  • Balance may not exceed $20,000
  • Free Online Banking
  • Free E-Statements
  • Free Mobile Banking
  • Over 5,000 nationwide branches
  • ACCU membership required

Are you a current ACCU member? Give us a call to open your account over the phone!

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

Excess coverage for consumer accounts up to $200,000 by American Share Insurance.

1) Regulation D limits certain account transfers/withdrawals to six (6) per calendar month. Limited transactions include: Pre-authorized, automatic, online or telephone withdrawals or transfers to the member’s own account at the credit union or that of a third party; transfers or withdrawals made by check, draft, debit card or similar payable to a third party; overdraft transfer services. Transactions NOT included in the six transfer/withdrawal limit are as follows: Transfers or withdrawals made by the member in person or through an ATM, by mail or by telephone (which results in the mailing of a check made payable to the member). If the accountholder attempts to exceed these transfer limits a fee may be imposed and the credit union may reclassify or close the account. See Truth in Savings for full disclosure.

Personal Checking and Savings

ProductMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded/Paid
Basic Checking $15 N/A N/A N/A N/A N/A
Secure Checking $10 $1,500 0.10% 0.10% Variable Monthly
Regular Share / Savings $0 $100 0.25% 0.25% Variable Quarterly
Buddy Bee Savings $0 $25 0.35% 0.35% Variable Quarterly
Varsity Savings $0 $25 0.35% 0.35% Variable Quarterly
Varsity Checking $5 N/A N/A N/A N/A N/A
College Student Savings $0 $100 0.25% 0.25% Variable Quarterly
College Student Checking $5 N/A N/A N/A N/A N/A
Christmas Club Account (Max. Acct. Balance: $20,000) $10 $10 0.40% 0.40% Variable Monthly
Vacation Club Account (Max. Acct. Balance: $20,000) $5 $5 0.40% 0.40% Variable Quarterly
EDUSHARE® $50 $50 0.50% 0.50% Variable Quarterly

Personal Membership Forms

Become a Member

Additional Account Forms

Membership Information 

  • Consumer Fee Schedule ( Print )
  • Overdraft Privilege Program Disclosure ( Print )
  • Statement of Faith ( Print )