Whether you're driving the kids to school every day or planning a cross-country road trip, it's important to have a reliable vehicle. Let ACCU help finance your next car, truck, or van at a rate that works with your budget.


If you already own your car outright or if your car is worth more than you owe with another financial institution, our auto equity loans can work for you. Contact us to learn more.

*Annual Percentage Rate. Loans subject to credit approval. Rates, terms and conditions are subject to change without notice. For 1.99% rate; loan minimum $10,000/value of $15,000, vehicle age no older than 3 model years back. Max term 60 months, longer terms available for nominal rate increase. 1.99% rate not valid for refinance of current ACCU loans. For a $15,000 car loan with a 60 month term at 1.99% APR, the monthly payment will be $262.85. Used cars are subject to KBB valuation.

First Time Buyers

Our First Time Car Buyer Program is designed for young adults with no credit history. You may find it difficult to find loan approval at many financial institutions, but America's Christian CU is committed to helping you gain your financial footing.

  • No credit history required
  • Loans available for ages 16 and up
  • $50 Visa® gift card upon loan approval*
  • Personalized guidance through every step

*Promotional funds may be subject to 1099 reporting. Any applicable taxes are the responsibility of the member.


Auto Buying Discount through TrueCars

  • No haggle car buying discount service
  • No restrictions on makes or models
  • Driven by local dealer participation
  • Learn more

Auto Buying Discount through Enterprise Car Sales

  • No haggle car buying discount service
  • Thousands of makes and models
  • 109 Point Inspection by an independent, Certified ASE Technician
  • 7 Day Repurchase Policy and 12/12 Limited Powertrain Warranty
  • Learn more
Smart Buy Auto Loans

Have you been looking to get a better car, with lower payments? You can have the best of both worlds with our new Smart Buy Auto Loan* which combines the flexibility and ownership of conventional financing with the low cost benefit of leasing!

  • Ownership of the vehicle
  • New or Pre-Owned
  • Lower payments
  • Flexible terms
  • No upfront fees
  • No down payment
  • Up to 100% financing with no money down
  • Trade-in, sell, pay-off or refinance at any time

To estimate your vehicle payments, use our Smart Buy Auto Loan Calculator. This calculator is intended to provide approximate information about your loan payments and does not constitute an offer to extend credit. Your actual payment information may vary. Maximum term offered for this loan by the Credit Union is 72 months.

*One time $5 membership fee and minimum $25 savings balance are required. Not all applicants will qualify for the best rate. Rates, terms and conditions subject to credit approval. Cannot be combined with any other vehicle loan offers. $25 loan processing fee. Loan term available up to 72 months. Minimum loan balance is $20,000. At term end there will be a residual balance due. Member has options of satisfying residual balance or walking away from the vehicle at end of term. Excess mileage will be calculated at .10 per mile. A charge for excessive wear and tear as indicated in contract addendum may be charged to member if member picks walk away option This is a residual-based "walk away" balloon financing option, not a lease. Pricing of vehicle may change. Rates, terms and conditions are subject to change without notice. Contact credit union for full details. Other details as indicated in contract addendum will apply.