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ACCU has been providing financial services to Christian individuals and ministries for over 65 years with the aim of supporting: church expansion, ministry building, Christian schools, assisting small businesses, and supporting individuals and families by way of high-rate deposit accounts and low-rate lending services.
From a member’s first savings account through retirement, we want to walk alongside you as you pursue your financial goals. Whether you are looking to bank, borrow, or invest, our great rates and quality products are designed to fit your needs. Join ACCU and discover banking with a financial partner who understands your faith and moves you forward. Because we are Stronger Together!
$47,400,000+ invested in Christian-owned businesses in 20211- $43,800,000+ invested in domestic and international adoption financing since 20091
- $33,600,000+ invested in church and ministry financing in 20211
- $23,500,000+ invested in Christian school campus financing to date1
- Click to read more in our latest annual report
- 30,000+ Surcharge-free ATMs2
- 5,600+ Shared Branches2
- 24/7 access with online & mobile banking3
- Find an ATM near you
- Save up to 20% on TurboTax federal products
- Exclusive discount from the TruStage Home & Auto Insurance Program
- Build your credit history with rent and save up to 30% with Rental Kharma
- Create a will or trust in just 20 minutes for FREE with FreeWill, a will and trust service
- Save on your travel and entertainment needs like car rentals, hotels, theme parks, movie tickets, and more
- Auto buying discounts through TrueCar®
- See more benefits
- $47,400,000+ invested in Christian-owned businesses in 20211
- $43,800,000+ invested in domestic and international adoption financing since 20091
- $33,600,000+ invested in church and ministry financing in 20211
- $23,500,000+ invested in Christian school campus financing to date1
- Click to read more in our latest annual report
- 30,000+ Surcharge-free ATMs2
- 5,600+ Shared Branches2
- 24/7 access with online & mobile banking3
- Find an ATM near you
- Save up to 20% on TurboTax federal products
- Exclusive discount from the TruStage Home & Auto Insurance Program
- Build your credit history with rent and save up to 30% with Rental Kharma
- Create a will or trust in just 20 minutes for FREE with FreeWill, a will and trust service
- Save on your travel and entertainment needs like car rentals, hotels, theme parks, movie tickets, and more
- Auto buying discounts through TrueCar®
- See more benefits
| ACCU | Banks | |
|---|---|---|
| Ownership | Owned by ACCU members and run by a volunteer board of directors | Owned by shareholders and run by a paid board of directors |
| Profits | Not for profit; excess earnings get distributed back to members in the form of profit-sharing and better interest rates | For profit; excess earnings get distributed back to shareholders |
| Your Role | ACCU members can vote on how their credit union is run | Customers have no say in how their bank is run |
| Eligibility | There are requirements for membership; click here to learn more about eligibility | Open; anyone can become a customer |
| Safety | Federal Protection up to $250,000 by the National Credit Union Administration (NCUA). Added savings protection is provided by American Share Insurance (ASI) on qualifying member’s accounts in excess of that provided by NCUA. | Federal Protection up to $250,000 (FDIC—Federal Deposit Insurance Corporation) |
| Access | Credit unions tend to be local and have fewer individually owned branches, but thanks to ATM network sharing you can use other credit union and convenience store ATMs free of charge often making their network larger than those the largest banks; click here to find a location near you | Big banks are present in most major cities, but if you need to use another bank’s ATM, get ready to pay a higher service charge |
| Fees | On average, the largest credit unions have lower fees than the largest banks | On average, the largest banks have higher overdraft fees and higher online monthly bill fees than the largest credit unions |
| Satisfaction | Banks fell short of credit unions in the American Customer Satisfaction Index in 2013. Most FI’s have a Satisfaction of 45 out of 100, ACCU, personal service boasts a satisfaction score well above 85. | The lowest-scoring financial institution was also the largest bank. |
| ATMs | Credit unions have the largest surcharge-free ATM network with approximately 30,000 co-op ATMs in their network across the United States; click here to find a location near you | Bank of America, for example, has 16,000 ATMs across the United States. |
| Mobile App | You may not think that credit unions provide the latest technology; however, most including ACCU have mobile apps comparable to those of banks making trips to the branch less of a necessity in most cases. | Banks, especially the larger ones, typically offer great technology. Banking apps will support your love for on-demand banking on your smartphone. |
- Name and ID (driver's license, state ID or passport)
- Physical address
- Phone number
- Date of birth
- Employment status and employer (if employed)
- Social Security or Taxpayer Identification Number
How do I open a deposit account at America’s Christian Credit Union?
It’s quick and easy to open a deposit account when applying for membership from the comfort of your home. Click here to start your application. Then select the deposit account(s) you would like to open and complete your application. One of our membership representatives will process your request and provide instructions for funding the account once your membership has been approved. Already a member? Click here to add an account.
Do I need to be an America’s Christian Credit Union member to apply for a loan?
You don’t need to be a member to start a loan application. However, you’ll need to qualify for and complete membership to finish the process. We are all about a life-long relationship – and there are discounts for automatic payments through our checking accounts – so if you want to get membership started first (it’s quick and easy), click here to start your application.
How can I access my accounts?
Our mobile app and online banking services make it easy to access your account anytime and anywhere. Transfer funds, send and receive money, pay bills or deposit checks right from your phone. And, of course, we are always happy to help you at any branch. We have thousands of shared-branching locations nationwide and network with more than 5,600 CO-OP ATMs. Click here to find an ATM near you.
How do I check my application status?
Click here to see the status of your application.
1 – Figures quoted represents America's Christian Credit Union achievements as per the end of the 2021 fiscal year dated 12/31/2021.
2 – Via Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations.
3 – Message and data rates may apply.