APY = Annual Percentage Yield. Rates effective as of August 1, 2017. Fees may reduce earnings. Rates are subject to change without notice

Personal Term Share Certificates See Details

Term Share CertificatesDividend RateAPYRate TypeMinimum BalanceCompounded/Paid
90 Day 0.55% 0.55% Fixed $1,000 Monthly
6 Month 0.65% 0.65% Fixed $1,000 Monthly
9 Month 0.75% 0.75% Fixed $1,000 Monthly
12 Month 0.85% 0.85% Fixed $1,000 Monthly
18 Month 0.95% 0.95% Fixed $1,000 Monthly
24 Month 1.25% 1.26% Fixed $1,000 Monthly
36 Month 1.55% 1.56% Fixed $1,000 Monthly
48 Month 1.95% 1.97% Fixed $1,000 Monthly
60 Month 2.25% 2.27% Fixed $1,000 Monthly

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

Personal Individual Retirement Accounts See Details

Individual Retirement AccountsMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
Share/Savings $50 0.25% 0.25% Variable Quarterly
12 Month $500 0.85% 0.85% Fixed Quarterly
24 Month $500 1.25% 1.26% Fixed Quarterly
36 Month $500 1.55% 1.56% Fixed Quarterly
48 Month $500 1.95% 1.96% Fixed Quarterly
60 Month $500 2.25% 2.27% 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 Checking and Savings

ProductMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded/Paid
Elite Checking $750 0.15% 0.15% Variable Monthly
Regular Share / Savings $100 0.20% 0.20% Variable Quarterly
Buddy Bee Savings $25 0.25% 0.25% Variable Quarterly
Youth Savings $25 0.25% 0.25% Variable Quarterly
Student Savings $25 0.25% 0.25% Variable Quarterly
Christmas Club Account (Max. Acct. Balance: $20,000) $10 0.30% 0.30% Variable Monthly
Vacation Club Account (Max. Acct. Balance: $20,000) $5 0.30% 0.30% Variable Quarterly
EDUSHARE® $50 0.40% 0.40% Variable Quarterly

Money Market Account See Details

ProductMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
Money Market Account Tier # 1  $2,500 0.35% 0.35% Variable Monthly
Money Market Account Tier # 2 $10,000 - $24,999.99 0.40% 0.40% Variable Monthly
Money Market Account Tier # 3 $25,000 - $99,999.99 0.40% 0.40% Variable Monthly
Money Market Account Tier # 4 $100,000 and up 0.45% 0.45% Variable Monthly

Personal Money Market Plus Account See Details

ProductMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
Money Market Account Tier #1 (if MMA Plus
balance falls below $25,000 minimum)
$2,500 0.35% 0.35% Variable Monthly
Money Market Plus Tier #1 $25,000 - $49,999.99 0.40% 0.40% Variable Monthly
Money Market Plus Tier #2 $50,000 - $99,999.99 0.45% 0.45% Variable Monthly
Money Market Plus Tier #3 $100,000 and up 0.50% 0.50% Variable Monthly

Ministry Checking and Savings

ProductMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
Regular Share / Savings $100 0.20% 0.20% Variable Quarterly
Share Draft/Checking $1,500 0.15% 0.15% Variable Monthly

Personal Loans

Loan TypeRate (APR* as low as)
Signature (12 months)** 6.99%
Signature (up to 36 months) 7.50%
G.O.O.D. (Get Out Of Debt) Loan (up to 36 months) 6.99%
Signature (37 months - 60 months) 7.99%
Overdraft/Line of Credit 9.00%

*APR = Annual Percentage Rate

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

For a $10,000 Personal Loan with a 60 month term at 7.99% APY, the monthly payment will be $203.00.

Auto Loans See Details

Loan TypeRates (APR* as low as)
Traditional Auto 1.99%
Small Recreational Vehicles (Watercraft, Motorcycle 5.45%
Recreational Vehicles (Travel trailer, Motorhome, Van conversions, Fifth-Wheel 4.49%

*APR = Annual Percentage Rate. Loans subject to credit approval. Advertised “as low as rate” APR assumes excellent credit history and maximum rate discount of 0.50% 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. Rates, terms, and conditions are subject to change without notice. Additional restrictions apply. Used vehicles are subject to Kelly Blue Book valuation. For a $15,000 Car Loan with a 60-month term at 2.24%APR, the approximate monthly payment will be is $265.00.

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.

Visa Credit Card Rates See Details

Card TypeRate (APR* as low as)
Platinum Visa 11.40%
Platinum Rewards Visa 11.90%
Savings Secured 3% above savings rate

View the full disclosure to learn more.

*APR = Annual Percentage Rate. 0% Annual Percentage Rate on new purchases within the first 6 months of opening the credit card. After that, your APR will be 11.40% to 16.40% or 11.90% to 16.90% 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.

**Donation is made by America's Christian CU.

Home Equity Line of Credit (HELOC) Rates See Details

Loan TypeRate (APR* as low as)
Quarterly adjustable HELOC 4.00%
Annual adjustable HELOC 4.50%
3-year Re-price HELOC 5.24%

*APR = Annual Percentage Rate. APY = Annual Percentage Yield. 

For a $50,000 Home Equity Line of Credit, quarterly adjustable, with 80% Loan to Value at 5.50% APY, the monthly payment will be $286.00.

Private Student Loan Rates See Details

Loan TypeRate (APR* as low as)
Private Student Loans 3.50%
Parent Loan 4.62%
Student Loan Refinance 2.74%
Business Graduate Line of Credit 3.50%

*APR = Annual Percentage Rate. Loans subject to credit approval. Advertised “as low as rate” APR assumes excellent credit history and maximum rate discount of 0.50% 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. Rates, terms, and conditions are subject to change without notice. Additional restrictions apply.

Ministry Money Market Account See Details

ProductMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
Money Market Account Tier #1  $2,500 - $9,999.99 0.35% 0.35% Variable Monthly
Money Market Account Tier #2  $10,000 - $24,999.99 0.40% 0.40% Variable Monthly
Money Market Account Tier #3 $25,000 - $99,999.99 0.40% 0.40% Variable Monthly
Money Market Account Tier #4  $100,000 and up 0.50% 0.50% Variable Monthly

Ministry Term Share Certificates See Details

Term Share CertificatesMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
90 Day $1,000 0.55% 0.55% Fixed Monthly
6 Month $1,000 0.65% 0.65% Fixed Monthly
9 Month $1,000 0.75% 0.75% Fixed Monthly
12 Month $1,000 0.85% 0.85% Fixed Monthly
18 Month $1,000 0.95% 0.95% Fixed Monthly
24 Month $1,000 1.25% 1.26% Fixed Monthly
36 Month $1,000 1.55% 1.56% Fixed Monthly
48 Month $1,000 1.95% 1.97% Fixed Monthly
60 Month $1,000 2.25% 2.27% Fixed Monthly

Penalty for early withdrawal.

Ministry Money Market Plus Account See Details

ProductMinimum Balance*Dividend RateAPYRate TypeCompounded/Paid
Money Market Account Tier #1 (if MMA Plus balance falls below $25,000 minimum) $2,500 0.35% 0.35% Variable Monthly
Money Market Plus Tier #1 $25,000 - $49,999.99 0.40% 0.40% Variable Monthly
Money Market Plus Tier #2 $50,000 - $99,999.99 0.45% 0.45% Variable Monthly
Money Market Plus Tier #3 $100,000 and up 0.50% 0.50% Variable Monthly

*If balance falls below $25,000, the rate drops to the MMA tier 1 rate and $10 monthly service fee

Business Term Share Certificates See Details

Term Share CertificatesMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
90 Day $1,000 0.55% 0.55% Fixed Monthly
6 Month $1,000 0.65% 0.65% Fixed Monthly
9 Month $1,000 0.75% 0.75% Fixed Monthly
12 Month $1,000 0.85% 0.85% Fixed Monthly
18 Month $1,000 0.95% 0.95% Fixed Monthly
24 Month $1,000 1.25% 1.26% Fixed Monthly
36 Month $1,000 1.55% 1.56% Fixed Monthly
48 Month $1,000 1.95% 1.97% Fixed Monthly
60 Month $1,000 2.25% 2.27% Fixed Monthly

Penalty for early withdrawal.

Business Checking and Savings

ProductMinimum BalanceDividend RateAPY*Rate TypeCompounded/Paid
Regular Share / Savings $100 0.20% 0.20% Variable Quarterly
Share Draft/Checking $1,500 0.15% 0.15% Variable Monthly

Business Money Market Account See Details

ProductMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
Money Market Account Tier #1 $2,500 - $9,999.99 0.35% 0.35% Variable Monthly
Money Market Account Tier #2 $10,000 - $24,999.99 0.40% 0.40% Variable Monthly
Money Market Account Tier #3 $25,000 - $99,999.99 0.40% 0.40% Variable Monthly
Money Market Account Tier #4 $100,000 and up 0.50% 0.50% Variable Monthly

Business Money Market Plus Account See Details

ProductMinimum Balance*Dividend RateAPYRate TypeCompounded/Paid
Money Market Account Tier #1 (if MMA Plus balance falls below $25,000 minimum) $2,500 0.35% 0.35% Variable Monthly
Money Market Plus Tier #1 $25,000 - $49,999.99 0.40% 0.40% Variable Monthly
Money Market Plus Tier #2 $50,000 - $99,999.99 0.45% 0.45% Variable Monthly
Money Market Plus Tier #3 $100,000 and up 0.50% 0.50% Variable Monthly

*If balance falls below $25,000, the rate drops to the MMA tier 1 rate and $10 monthly service fee