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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of November 1, 2019. Fees may reduce earnings. Rates are subject to change without notice.

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 0.10% 0.10% Variable Monthly
Regular Share / Savings $0 $100 0.25% 0.25% Variable Quarterly
Buddy Bee Savings $0 $25 0.35% 0.35% Variable Quarterly
Varsity Savings $0 $25 0.35% 0.35% Variable Quarterly
Varsity Checking $5 N/A N/A N/A N/A N/A
College Student Savings $0 $100 0.25% 0.25% Variable Quarterly
College Student Checking  $5 N/A N/A N/A N/A N/A
Christmas Club Account* $10 $10 0.25% 0.25% Variable Monthly
Vacation Club Account* $5 $5 0.25% 0.25% Variable Quarterly
EduShare™ $50 $50 0.25% 0.25% Variable Quarterly

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

Traditional/Roth IRAs Learn More

Term Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
Share / Savings $50 $50 0.45% 0.45% Variable Quarterly
12 Month $500 $500 1.90% 1.91% Fixed Quarterly
24 Month $500 $500 1.90% 1.91% Fixed Quarterly
36 Month $500 $500 2.00% 2.02% Fixed Quarterly
48 Month $500 $500 2.15% 2.17% Fixed Quarterly
60 Month $500 $500 2.20% 2.22% Fixed Quarterly

IRA deposits are insured separately from other deposits to $250,000 by the NCUSIF and to $200,000 by ASI. That means your IRA investment is insured up to a combined total of $450,000. Minimum Balance is required to open IRA and earn dividend and APY. IRA Accounts are subject to a penalty for early withdrawal.

Personal Term Share Certificates Learn More

Term Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
90 Days $1,000 $1,000  1.50% 1.51% Fixed Monthly
6 Month $1,000 $1,000 1.60% 1.61% Fixed Monthly
9 Month $1,000 $1,000 1.75% 1.76% Fixed Monthly
12 Month $1,000 $1,000 1.90% 1.92% Fixed Monthly
18 Month $1,000 $1,000 1.90% 1.92% Fixed Monthly
24 Month $1,000 $1,000 1.90% 1.92% Fixed Monthly
36 Month $1,000 $1,000 2.00% 2.02% Fixed Monthly
48 Month $1,000 $1,000 2.15% 2.17% Fixed Monthly
60 Month $1,000 $1,000 2.20% 2.22% Fixed Monthly

APY assumes that dividends will remain in the account until maturity.

Penalty for early withdrawal. Minimum Balance is required in order to open Term Share Certificate and earn dividends.

Federally insured by the National Credit Union Administration to $250,000. Excess coverage for consumer accounts up to $200,000 by American Share Insurance.

Must qualify for membership. A $2 membership fee may apply. 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. 

Money Market Account Learn More

Product Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
Money Market Tier #1 $2,500 $2,500 - $9,999.99 0.80% 0.80% Variable Monthly
Money Market Tier #2 $2,500 $10,000 - $24,999.99 0.85% 0.85% Variable Monthly
Money Market Tier #3 $2,500 $25,000 - $99,999.99 0.90% 0.90% Variable Monthly
Money Market Tier #4 $2,500 $100,000 and up 1.00% 1.00% Variable Monthly

Money Market Plus Account Learn More

Product Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
Money Market Plus Tier #1 $2,500 $2,500 - $49,999.99 0.90% 0.90% Variable Monthly
Money Market Plus Tier #2 $25,000 $50,000 - $99,999.99 0.90% 0.95% Variable Monthly
Money Market Plus Tier #3 $25,000 $100,000 - $249,999.99 1.00% 1.00% Variable Monthly
Money Market Plus Tier #4 $25,000 $250,000 and up 1.10% 1.11% Variable Monthly

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.

Auto Loans Learn More

Loan Type Loan Term Rate (APR as low as)
Traditional Auto Loan Up to 60 Months 2.99% - 16.90%
Traditional Auto Loan 61 - 72 Months 3.29% - 16.90%
Traditional Auto Loan 73 - 84 Months 3.99% - 10.49%
First-Time Auto Buyer Up to 60 Months 9.99%
First-Time Auto Buyer 61 - 72 Months 10.24%
First-Time Auto Buyer 73 - 84 Months 10.49%
Small Recreational Vehicles
(Watercraft, Motorcycle)
Up to 60 Months 5.45% - 15.75%
Small Recreational Vehicles
(Watercraft, Motorcycle)
61 - 72 Months 6.75% - 16.45%
Small Recreational Vehicles
(Watercraft, Motorcycle)
73 - 84 Months 7.25% - 17.45%
Large Recreational Vehicles
(Travel Trailer, Motor Home, Van Conversions, Fifth-Wheel)
Up to 60 Months 4.99% - 15.25%
Large Recreational Vehicles
(Travel Trailer, Motor Home, Van Conversions, Fifth-Wheel)
61 - 84 Months 6.25% - 16.25%
Large Recreational Vehicles
(Travel Trailer, Motor Home, Van Conversions, Fifth-Wheel)
85 - 144 Months 6.50% - 17.75%

Loans subject to credit approval.  Not all applicants will qualify. 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. The 2.99% APR is available on terms up to 60 months. There is a $25.00 loan funding fee. Rates, terms, and conditions are subject to change without notice. Additional restrictions apply. Used vehicles are subject to Kelley Blue Book valuation. For a $15,000 auto loan with a 60-month term at 5.99% APR, the approximate monthly payment will be $290.00.

First-time auto buyer: Loans subject to credit approval. Rates, terms, and conditions are subject to change without notice.For a  $15,000.00 auto loan with a 60-month term at 9.99% APR, the approximate monthly payment is $319.00. Loans over $5,000 may require a co-maker. Not all applicants will qualify. Under Age 18 requires co-maker and valid driver's license is required. There is a $25.00 loan funding fee.

Adoption Loans Learn More

Loan Type Loan Term Rate (APR as low as)
Adoption Loan1 Up to 60 Months 5.99% - 13.15%
Adoption Loan1 61 - 72 Months 6.99% - 14.15%
Adoption Loan1 73 - 84 Months 7.99% - 14.90% 
Adoption Line of Credit2 Up to 60 Months 7.49% - 14.49%

1 Adoption Loan Program: Loan subject to credit approval. Advertised “as low as” adoption loan APR assumes excellent credit history and maximum rate discount of 0.50% APR for payments made by ACH/automatic payment. Not all applicants will qualify for the lowest rate. Loan funding fee of $75.00. For a $20,000 Adoption Loan with a 60-month term at 5.99% APR, the monthly payment will be approximately $387.00.

2 Adoption LOC is subject to credit approval. Advertised “as low as” APR assumes excellent credit history and maximum rate discount of 0.50% APR for payments made by ACH/automatic payment. Not all applicants will qualify for lowest rate. Current ACCU loans not eligible. Loan funding fee of $75.00. Maximum 24 months draw period. Adoption LOC is an unsecured line of credit with rates ranging from 7.49%-14.49% APR. Minimum payment of $100 or 2.0% of highest balance after last advance, whichever is greater. Disbursement of funds will be controlled as expenses are approved. Line of credit advances must be approved by ACCU and can only be used for approved purposes in relation to the adoption expense.

All program rates, offer, terms and conditions are subject to change without notice. Certain restrictions apply. 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. An Equal Housing Lender.

Visa Credit Card Rates

Card Type Rate (APR as low as) Minimum Credit Line Available
GiveBack Platinum Visa 12.40% $1,000
Platinum Rewards Visa 12.90% $1,000
Visa Signature Card 12.15% $1,000
Share-Secured Visa 19.99% $1,000

View the full disclosure for Visa Platinum and Visa Platinum with rewards to learn more.

Visa Platinum and Visa Platinum with rewards: 0% Annual Percentage Rate on new purchases within the first 6 months of opening the credit card. After that, your APR will be 12.40% to 17.40% or 12.90% to 17.90% depending on product type. The APR is indexed to the Prime Rate, and may vary based on market conditions. Card issuance is contingent on approved credit, and rates offered are based on credit-worthiness. Applicants who do not qualify for the Visa GiveBack Platinum credit card may be approved for a Share-Secured Visa credit card. Rates, terms and conditions subject to change.  Offer not valid on current ACCU loans. Subject to credit approval.

View the full disclosure for Visa Signature Card to learn more.

Visa Signature Rewards Card: 0% Annual Percentage Rate on new purchases within the first 6 months of opening the credit card. After that, your APR will be 12.15% to 20.15%. The APR is indexed to the Prime Rate, and may vary based on market conditions. Card issuance is contingent on approved credit, and rates offered are based on credit-worthiness. Applicants who do not qualify for the Visa Signature Rewards Card may be approved for a Visa Platinum or Share-Secured Visa credit card. Rates, terms and conditions subject to change. Offer not valid on current ACCU loans. Subject to credit approval. 

Home Equity Line of Credit (HELOC) Rates Learn More

Loan Type Rate (APR as low as)
Quarterly adjustable HELOC 4.75% - 8.50%
Annual adjustable HELOC 5.25% - 9.25%
3-year Re-price HELOC 5.99% - 9.75%
Non-Owner Occupied 6.75% - 10.00%

For a $50,000 Home Equity Line of Credit, Quarterly Adjustable, with 80% Loan to Value at  6.75% APR, the monthly payment will  be $324.30

Private Student Loan Rates Learn More

Loan Type Rate Type Loan Term Rate (APR as low as)
Private Student Loans1 Variable Up to 10 Years 5.75% - 10.50%
Parent Loan1 Fixed 5 Years 4.62% - 8.25%
Parent Loan1 Fixed 10 Years 5.72% - 9.44%
Student Loan Refinance1 Variable 5 Years 4.24% - 7.25%
Student Loan Refinance1 Variable 10 Years 5.15% - 7.89%
Student Loan Refinance1 Variable 15 Years 5.49% - 8.25%
Student Loan Refinance1 Fixed 5 Years 3.74% - 7.50%
Student Loan Refinance1 Fixed 10 Years 5.74% - 7.50%
Student Loan Refinance1 Fixed 15 Years 5.94% - 8.69%
Graduate Line of Credit1 Variable Up to 25 Years 5.35% - 11.50%

1 APR = Annual Percentage Rate. Loans subject to credit approval. Advertised “as low as rate” APR assumes excellent credit history and maximum rate discount of 0.25% 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. Rates, terms, and conditions are subject to change without notice. Additional restrictions apply.

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.

Ministry Checking and Savings

Product Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
Regular Share / Savings $0 $100 0.25% 0.25% Variable Quarterly
Share Draft / Checking $100 $1,500 0.15% 0.15% Variable Monthly

Ministry Term Share Certificates Learn More

Term Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
90 Days $1,000 $1,000  1.50% 1.51% Fixed Monthly
6 Month $1,000 $1,000 1.60% 1.61% Fixed Monthly
9 Month $1,000 $1,000 1.75% 1.76% Fixed Monthly
12 Month $1,000 $1,000 1.90%

1.92%

Fixed Monthly
18 Month $1,000 $1,000 1.90% 1.92% Fixed Monthly
24 Month $1,000 $1,000 1.90% 1.92% Fixed Monthly
36 Month $1,000 $1,000 2.00% 2.02% Fixed Monthly
48 Month $1,000 $1,000 2.15% 2.17% Fixed Monthly
60 Month $1,000 $1,000 2.20% 2.22% Fixed Monthly

Penalty for early withdrawal. Minimum Balance is required in order to open Term Share Certificate and earn dividend.

Ministry Money Market Account Learn More

Product Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
Money Market Tier #1 $2,500 $2,500 - $9,999.99 0.80% 0.80% Variable Monthly
Money Market Tier #2 $2,500 $10,000 - $24,999.99 0.85% 0.85% Variable Monthly
Money Market Tier #3 $2,500 $25,000 - $99,999.99 0.90% 0.90% Variable Monthly
Money Market Tier #4 $2,500 $100,000 and up 1.00% 1.00% Variable Monthly

Ministry Money Market Plus Account Learn More

Product Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
Money Market Plus Tier #1 $2,500 $2,500 - $49,999.99 0.90% 0.90% Variable Monthly
Money Market Plus Tier #2 $25,000 $50,000 - $99,999.99 0.95% 0.95% Variable Monthly
Money Market Plus Tier #3 $25,000 $100,000 - $249,999.99 1.00% 1.00% Variable Monthly
Money Market Plus Tier #4 $25,000 $250,000 and up 1.10% 1.11% Variable Monthly

Capital Campaign Money Market Account Learn More

Product Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
Tier #1 $2,500 $2,500 - $24,999.99 1.00% 1.00% Variable Monthly
Tier #2 $25,000 $25,000 - $49,999.99 1.10% 1.11% Variable Monthly
Tier #3 $50,000 $50,000 and up 1.25% 1.26% Variable Monthly

Business Checking and Savings

Product Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
Regular Share / Savings $0 $100 0.25% 0.25% Variable Quarterly
Share Draft / Checking $100 $1,500 0.15% 0.15% Variable Monthly

Business Term Share Certificates Learn More

Term Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
90 Days $1,000 $1,000  1.50% 1.51% Fixed Monthly
6 Month $1,000 $1,000 1.60% 1.61% Fixed Monthly
9 Month $1,000 $1,000 1.75% 1.76% Fixed Monthly
12 Month $1,000 $1,000 1.90% 1.92% Fixed Monthly
18 Month $1,000 $1,000 1.90% 1.92% Fixed Monthly
24 Month $1,000 $1,000 1.90% 1.92% Fixed Monthly
36 Month $1,000 $1,000 2.00% 2.02% Fixed Monthly
48 Month $1,000 $1,000 2.15% 2.17% Fixed Monthly
60 Month $1,000 $1,000 2.20% 2.22% Fixed Monthly

Penalty for early withdrawal. Minimum Balance is required in order to open Term Share Certificate and earn dividend.

Business Money Market Account Learn More

Product Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
Money Market Tier #1 $2,500 $2,500 - $9,999.99 0.80% 0.80% Variable Monthly
Money Market Tier #2 $2,500 $10,000 - $24,999.99 0.85% 0.85% Variable Monthly
Money Market Tier #3 $2,500 $25,000 - $99,999.99 0.90% 0.90% Variable Monthly
Money Market Tier #4 $2,500 $100,000 and up 1.00% 1.00% Variable Monthly

Business Money Market Plus Account Learn More

Product Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
Money Market Plus Tier #1 $2,500 $2,500 - $49,999.99 0.90% 0.90% Variable Monthly
Money Market Plus Tier #2 $25,000 $50,000 - $99,999.99 0.90% 0.90% Variable Monthly
Money Market Plus Tier #3 $25,000 $100,000 - $249,999.99 1.00% 1.00% Variable Monthly
Money Market Plus Tier #4 $25,000 $250,000 and up 1.10% 1.11% Variable Monthly

MISSIONAL BANKING

For individuals and organizations across the spectrum of Christian traditions, America’s Christian Credit Union is the only banking partner that is relentlessly dedicated to serving the wider Kingdom of God. We do this by personally supporting, advising, and building stronger families, ministries, communities and futures through biblically grounded stewardship principles—rooted in the Wesleyan Holiness heritage.