We believe that every child deserves a forever family. Since 2009, over 1,600 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.

ACCU's Adoption Loan Program by 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.

*APR = Annual Percentage Rate. Loan subject to credit approval. Advertised “as low as” APR assumes excellent credit history and maximum rate discount of 0.50% APR discount for payments made by ACH/automatic payment. Not all applicants will qualify for the lowest rate. For a $20,000 Adoption Loan with a 60 month term at 5.99% APR, the monthly payment will be approximately $387.00. Loan funding fee of $75.00. Rates, terms, and conditions are subject to change without notice.

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

America's Christian Credit Union has a special fund for adoptive families, quarterly we choose one family to receive an ACCU Adoption Grant.

"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

Apply for the Adoption Grant today.

Additional Resources

The Adoption Tax Credit

You may have heard that you can offset the expense of building your family through adoption by claiming the Adoption Tax Credit. But how do you do this? Which expenses qualify and how do you document them? Are there different guidelines for families adopting domestically, internationally, or through the foster system? What about expenses incurred during a failed adoption attempt? Can you claim the credit retroactively? Learn about this and more by watching the Adoptive Families Adoption Tax Credit Webinar - Sponsored by ACCU

Adoption Loans See Details

Loan TypeRate (APR* as low as)
Adoption Loan - Traditional 5.99%
Adoption Loan - 72 Months 6.99%
Adoption Loan - 84 months 7.99%

*APR = Annual Percentage Rate

For a $20,000 Adoption Loan with a 60 month term at 5.99% APR, the monthly payment will be $387.00.

Meet The Boxx's

Adoption Stories From Our Members

"Thank you so much for everything you have done to help us in our journey to parenthood. These boys are precious and we are in love!! The twins were born July 16, 2012 at 2:39 AM and 2:41 AM. Both weighed 4 lbs 12 oz and were 17.5 and 18 inches long. They are healthy and beautiful. We got to bring them home yesterday and are enjoying every minute! Again, thank you and God bless!!" - The Alexander Family

"We had already been turned down for grants that we didn’t qualify for and none of our local lenders would give us a loan without using our home or cars for collateral, so we called America’s Christian Credit Union. Right from the start we were treated like family laughing and joking with the staff as if we had known them for years. All of the sudden California didn’t seem so far away. ACCU took a huge leap of faith when they secured our loan with what seemed like little more that our word and a handshake. The process was very simple and the rates were more than fair. Our daughter was born on March 6, 2012! We are so grateful that ACCU included us in their family so that we were able to expand ours." - The Chandler Family

"We are a middle class family with limited funds and therefore require financial assistance in order to complete our adoption. For a long time we have desired a child to complete our family and after much thought and prayer we contacted Bethany Christian services to fulfill our dream. To our surprise a year and a half later we received the call for placement. Within 6 days of receiving the call, we had a baby in our home. Words cannot express the gratitude I feel for an institution like yours that allows us the privilege of raising a child. Without financial assistance we would be unable to afford the fees that go along with an adoption plan." - The Waller Family