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The Foundation For Financial Stewardship

A savings account is the first thing you open when you become a member of America Christian Credit Union (ACCU) because learning the value of saving is the foundation for good financial stewardship. As a not-for-profit organization we are not publicly traded and do not sell stocks in the credit union. Instead, your savings account allows you to become a member and partial owner of the credit union.

A savings account is a deposit account that gives you an easy way to save for life’s expenses. Unlike brokerage accounts, your deposits are federally insured by the National Credit Union Share Insurance Fund (NCUSIF) for up to $250,000. Excess coverage at ACCU provided by American Share Insurance (ASI) for an additional up to $200,000.

When it comes to picking the right savings account, we know you have a lot of choices from big banks, community banks and other credit unions, but ACCU has over 60 years of experience serving Christian families, ministries, churches, businesses and universities.

Only ACCU can give you 24/7 access to your finances paired with a shared mission – to expand the Kingdom! As a Christian credit union, we use revenue generated to support ministries and extend God's reach. When you make a deposit with ACCU, you can rest-easy knowing that your funds are reinvested into churches and ministries by providing low-cost loans to further the mission.

  • Competitive dividends on balances over $100
  • No monthly service fee
  • Withdrawal limits apply1
  • Deposits federally insured up to $250,000 with the National Credit Union Share Insurance Fund, excess coverage up to $200,000 with American Share Insurance per individual depositor
  • 24/7 access to your finances
  • Access your accounts at over 5,000 nationwide branches through the shared branch network

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

Product Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
Basic Checking $15 N/A N/A N/A N/A N/A
Secure Checking $10 $1,500 0.05% 0.05% Variable Monthly
Regular Share / Savings $0 $100 0.10% 0.10% Variable Quarterly
Buddy Bee Savings $0 $25 0.15% 0.15% Variable Quarterly
Varsity Savings $0 $25 0.15% 0.15% Variable Quarterly
Varsity Checking $5 N/A N/A N/A N/A N/A
College Student Savings $0 $100 0.10% 0.10% Variable Quarterly
College Student Checking  $5 N/A N/A N/A N/A N/A
Christmas Club Account* $10 $10 0.20% 0.20% Variable Monthly
Vacation Club Account* $5 $5 0.20% 0.20% Variable Quarterly

*Maximum account balance: $20,000. If balance exceeds $20,000, the rate drops to the regular share/savings rate.

Personal Membership Forms

Become a Member

If submitting a paper application, please complete the Membership Application and Account Agreement and a Personal Profile for each account holder. 

Specialized Accounts

  • Custodial/Fiduciary Application and Account Agreement ( Print )
  • Designation of Beneficiary ( e-SignPrint )
  • Trust Application and Account Agreement ( Print )
  • Youth Account Agreement (Apply Online I Print )

Additional Account Forms

Existing Member - Add Accounts


Membership Information

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

Member Relations

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800.343.6328 Option #6

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