We believe that every child deserves a forever family. Since 2009, over 1,450 children have found their forever family through the Adoption Loan Program from America's Christian Credit Union. We are passionate about supporting the work of organizations that are helping 143 million orphans worldwide.

See the stories of families like you have adopted with the help of ACCU!

Adoption Loan

Adopting one of God's children into a good home is one of the greatest callings. Many families are eager to adopt, but the costs stand in the way. America's Christian CU can help. Our mission is "To Reach, Serve and Teach," and we can't imagine a greater way to live that mission than to extend the Christian family. We've designed an affordable solution for families wanting to adopt.

  • Rates as low as 5.99% APR*
  • Loan amounts up to $50,000
  • Terms up to 84 months
  • Domestic and international adoptions
  • Can finance travel costs to foreign countries
  • Refinance existing loan to a lower rate with us
  • Loan Protection Services available

For further information regarding adoption loan program, email us at adoption@americasccu.com.

*Annual Percentage Rate. Rate reflects a 0.50% APR discount for payments made by ACH or auto pay from ACCU checking account. Not all applicants will qualify for the lowest rate. 

Equity Adoption Loan
  • Use your home or auto equity to secure the loan
  • Variable rate options
  • Longer term (allows you a lower payment)
  • Up to 80% home loan to value, 100% auto loan to value
  • Domestic and international adoptions
  • Can finance travel costs to foreign countries
  • No closing cost or annual fees (Home Equity only)*
  • Possible tax deduction — ask your tax consultant
  • Refinance existing loan to a lower rate with us
  • Loan Protection Services available

*Other costs may be associated with this option.

Adoption Grant Visa
  • No annual fee
  • Rates as low as 10.90% APR*
  • Domestic and international adoptions
  • Can finance travel costs to foreign countries
  • Gives back to adoptive families
  • Loan Protection Services available

*Annual Percentage Rate

Adoption Grant Application

Every purchase made with an Adoption Grant VISA card contributes to our special fund for adoptive families. Apply for the Adoption Grant today.

"Your organization has made a huge difference for us in our adoption! We could not have done it without you. We are so thankful for the adoption grant to help out with the many costs of having a new baby. We are so blessed to have found you."

— The Fulghums, our 500th adoptive family and recipient of our first ACCU Adoption Grant

Awards and Recognitions

ACCU and the Adoption Loan Program has been blessed to be awarded and recognized by the following organizations:

logo-ccai

logo-daveThomas

logo-ncAdoption

logo-nb