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With life comes the unexpected. Whether you are in need of money for large purchases or emergencies (big and small), America's Christian Credit Union (ACCU) is with you every step of the way. Choose one of our personal loan options for your financing needs.

  • Low, competitive rates for:
    • Weddings
    • Medical & Dental Bills
    • Consolidate Debt
    • Back to school expenses
    • Home Improvements
    • Veterinarian Bills
    • Funerals
    • Emergencies
    • Large Purchases
    • Taxes
    • Solar, A/C, Heating
    • And more!
  • Borrow up to $30,000
  • Flexible Terms
  • Streamlined application process
  • Peace of mind that your loan supports the Christian mission
  • Skip-a-Payment option available
  • Setup payments on Auto-Pay
  • Loan Protection Services available

Get our lowest rate by using your deposits at ACCU as collateral. 

  • Use your savings or Term Share Certificate deposits as security pledge
  • Continue earning dividends on deposits
  • Interest rate only 3% above dividend earnings
  • Access to funds without depleting your savings
  • Easy loan approval
  • Can be used to build or repair credit

Tuition is expensive but ACCU has partnered with Urshan College to help you fill the financial gap! As a not-for-profit credit union, ACCU can assist with lower rates and fees to help you meet your financial needs as you make the smart decision to invest in your future. 

  • Loans funded in full for tuition year or per semester
  • Loans based on 12-month payback
  • Rates as low as 9.75% (with automatic payment)
  • Rates as low as 10% (without automatic payment)
  • Requirements to Qualify*
    • FICO- 640 minimum
    • $1,000 minimum monthly discretionary income
    • Debt to income

Apply now!

Tired of paying high interest on credit cards? Pay them off with a GOOD loan at ACCU and you could save hundreds, improve your credit score and experience financial peace. No matter what type of debt you're in, it's important to know there is a way out. Let ACCU help you pay off your debt faster.

  • Great rates as low as 6.99% APR*
  • Terms up to 36 months
  • Loan amounts up to $10,000
  • No annual fees
  • Improve your credit score
  • Experience financial peace

Personal Loans

Loan Type Loan Term Rate (APR as low as)
Signature Loan 12 Months* 6.99%
Signature Loan1 Up to 36 Months 7.50% - 16.25%
Signature Loan1 37 - 60 Months 7.99% - 16.75%
G.O.O.D. (Get Out Of Debt) Loan2 Up to 36 Months 6.99%
Overdraft / Line of Credit3 N/A 9.00% - 17.50%
Pay Day Alternative Loan4 Up to 6 months  18.00% - 28.00%

1 Signature Loan APR = Annual Percentage Rate and is accurate as of 06/01/2019. Loans subject to credit approval. Advertised “as low as rate" APR assumes excellent credit history and maximum rate discount of 0.50% for ACH/automatic payment. Your actual APR may vary based on loan type, your credit history, ability to repay, approved loan amount, term, and applicable discounts. Not all applicants will qualify for the lowest rate. Rates, terms and conditions are subject to change without notice. Must qualify for membership. $25 loan processing fee for personal loans. $50 loan processing fee for Debt Consolidation. For a $10,000 Personal Loan with a 60-month term at 8.99% APR, the monthly payment will be $208.00.

* Signature loan at 12 months has a maximum loan amount of $5,000.00.

2 G.O.O.D. (Get Out Of Debt) Loan APR = Annual Percentage Rate and is accurate as of 06/01/2019. Loans subject to credit approval. Not all applicants will qualify for the best rate. Rates, terms and conditions are subject to change without notice. $25 loan processing fee. Must qualify for membership. Sample payment: For a $10,000 GOOD loan with a 36-month term at 6.99% APR, the monthly payment will be $304.17. Maximum loan amount is $10,000. Shorter terms available. Not available on current ACCU loans.

3 Overdraft/Line of Credit APR = Annual Percentage Rate. APR is accurate as of 04/01/2019. Loans subject to credit approval. Advertised “as low as rate" APR assumes excellent credit history and maximum rate discount of 0.50% for ACH/automatic payment. Your actual APR may vary based on loan type, your credit history, ability to repay, approved loan amount, term, and applicable discounts. Not all applicants will qualify for the lowest rate. Rates, terms and conditions are subject to change without notice. Must qualify for membership. $25 loan processing fee for personal loans. $50 loan processing fee for Debt Consolidation. For a $10,000 Personal Loan with a 60-month term at 8.99% APR, the monthly payment will be $208.00. 

4 Pay Day Alternative Loan Not all applicants will qualify. Loan funding fee of $30. Limit one (1) loan per member at a time. Must provide one (1) current paycheck stub to verify employment. Rates, terms, and conditions are subject to change without notice. Additional restrictions apply. For a $500 PAL with a 6-month term at 28% APR, the approximate monthly payment will be $91.00.

Must qualify for membership. A $2 membership fee may apply. Savings or Checking Account is required to fund the account. The credit union is federally insured by the National Credit Union Administration. Added savings protection provided by American Share Insurance. Please speak to a credit union representative for details. Equal Housing Opportunity.

Personal Loans

Personal Loan Forms

  • Loan Application ( Print )
  • Home Equity Line of Credit (HELOC) Application ( Print )
  • Auto Pay Debit Authorization Form ( e-Sign I Print )
  • CA DMV Power of Attorney ( Print )
  • Skip-A-Payment ( e-Sign I Print )

Member Relations

[email protected]

800.343.6328 Option #6

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