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Industry-Leading Savings Rates
Are you a serious saver? If so, our High-Yield Savings Account is tailored just for you. Watch your savings grow with top-tier rates that well outperform the national average6.
Plus, at ACCU your deposits are federally insured by the National Credit Union Share Insurance Fund (NCUSIF) for up to $250,000. Excess coverage at America’s Christian Credit Union (ACCU) provided by American Share Insurance (ASI) for up to an additional $200,000.
Save time and money- Available 24/7 from anywhere
- Set up helpful email alerts
- Highest level of security
- Eliminate paper waste
- Simplify recordkeeping
- Reduce chance of identity theft
- Arrive faster than paper statements
- Fast, free, and easy
- Online Banking in palm of hand
- Available 24/7 from anywhere
- Set up helpful email alerts
- Over 5,600 branch locations
- Make deposits, withdrawals, and more
- Easy online branch locators
- Locate by phone or mobile app
- Over 30,000 ATM locations nationwide
- Partnered with the CO-OP network
- Search for ATMs online
- Withdraw cash and more
- Save time and money
- Available 24/7 from anywhere
- Set up helpful email alerts
- Highest level of security
- Eliminate paper waste
- Simplify recordkeeping
- Reduce chance of identity theft
- Arrive faster than paper statements
- Fast, free, and easy
- Online Banking in palm of hand
- Available 24/7 from anywhere
- Set up helpful email alerts
- Over 5,600 branch locations
- Make deposits, withdrawals, and more
- Easy online branch locators
- Locate by phone or mobile app
- Over 30,000 ATM locations nationwide
- Partnered with the CO-OP network
- Search for ATMs online
- Withdraw cash and more
Earn $100
when you open a checking account + savings account2
- Open a Secure or Basic Checking account using promo code “SWITCH” and deposit a minimum of $500 2
- Open a Regular Share/Savings Account using promo code “SWITCH” and deposit a minimum of $1,000 into the savings account2
Earn Up To $400
in dividends when you open a new member certificate3
- Open a New Member Certificate and deposit $10,0003
- Earn $400 in dividends at an APY of 4.00%3
With a wide Field of Membership, funds invested at America’s Christian Credit Union is used to provide loan assistance to churches and ministries to build:
Term Share Certificate Benefits:
- Guaranteed, fixed rate for term selected
- $1,000 minimum deposit to open
- No monthly maintenance fees
- Dividends paid monthly
- Deposits federally insured up to $250,000 with the National Credit Union Administration; excess coverage up to $200,000 with American Share Insurance per individual depositor
1. Gather your information
- 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
- Unlock your Experian credit report if needed*
*As part of our validation process, we do a credit inquiry using Experian. You will need to unlock your credit profile prior to submitting your membership application in order to expedite the account opening process.
2. Click here to start your application
- Select your eligibility
- Select your products
- Fund your accounts
3. A membership officer will be in touch to
- Welcome you to ACCU
- Follow up if any missing items are needed
4. If you’re approved, you’ll receive an email with your account details
| 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. |
Is America’s Christian Credit Union FDIC insured?
The Federal Deposit Insurance Corporation (FDIC) provides deposit insurance for banks, while credit unions are insured by the National Credit Union Administration (NCUA). The NCUA is an independent agency of the U.S. federal government that insures deposits at federally insured credit unions, including America’s Christian Credit Union up to $250,000 per depositor, equal to the FDIC’s coverage for banks. Additionally ACCU also has private insurance for deposits in excess of federal limits through American Share insurance up to $450,000 for personal members and $350,000 for organizational (business) members.
What are the benefits of switching banking to America’s Christian Credit Union?
In addition to being part of a co-operative of believers with a shared set of values, ACCU often offer better interest rates, lower fees, personalized service, community focus, and a sense of ownership for its members.
How does membership work at America’s Christian Credit Union?
Credit unions have membership requirements, typically based on a specific geographic area, occupation, or association. Joining a credit union often involves opening an account and meeting eligibility criteria. For ACCU it is affiliation with a Christian Church, Ministry and/or Christian School by which you are affiliated (attendee, member, volunteer, employee, etc).
Will I have access to ATMs and branches?
Through the Co-Op network ACCU has access to over 30,000 fee-free ATMs and over 5,600 shared branches to provide convenient access to funds and services, both locally and nationwide.
What types of accounts and services are offered by America’s Christian Credit Union?
Credit unions offer a range of accounts, such as savings, checking, loans, credit cards, mortgages, and investment options. They also provide services like online banking, mobile apps, and financial education.
How do credit union interest rates compare to banks?
Credit unions tend to offer competitive interest rates on savings accounts, loans, and credit cards. They often prioritize providing favorable rates to their members.
Will my deposits be insured at a credit union?
Credit union deposits are insured by the National Credit Union Administration (NCUA) up to the maximum allowed limit, just like the FDIC insurance for banks.
Can I access my accounts and manage finances online?
Of course! In fact, that is how most of our members typically transact with us! ACCU has a robust online banking platform, mobile app, and other digital tools for managing accounts, making transactions, and monitoring finances.
Will I still have access to financial products like mortgages and auto loans?
Yes! ACCU also provides a wide range of financial products, including mortgages, auto loans, personal loans, and other lending options, often with competitive terms.
How does your customer service compare to banks?
You’ll find our personalized and member-focused customer service a bit different – in a good way! We strive to build strong relationships with members and provide tailored assistance.
1 – APY = Annual Percentage Yield (APY) and is accurate as of 11/02/2023. APY assumes original balance and earnings remain on deposit and rate holds constant for 365 days. This offer is available to members using new funds to America’s Christian CU and must be established using external funding source within 7 days of account opening; OR members using proceeds from a maturing ACCU term share certificate on the stated renewal maturity date or up to seven days following the stated maturity date. Limit one high-yield savings account per member. The interest rate and APY will be based on your balance as listed on the rate table. Actual APY earned is dependent on daily deposit balance and may result in a blended rate. High-yield balances as listed on the rate table may fluctuate based on market conditions. The rate may change after the account is opened. The minimum balance to open a high-yield savings account is $10,000. If the account balance drops below $10,000, the account may incur a maintenance fee per the fee schedule. This offer is for new funds or funds deposited less than 30 days prior to opening the high-yield savings account. This account is not available to be opened in the name of a revocable or irrevocable trust. This account is limited to six (6) transfers/withdrawals per calendar month. A fee of $10.00 per additional withdrawal/transfer during the same month may be incurred. Fees may reduce earnings on the account. Offers, rates, terms and conditions are subject to change or discontinue without notice. Certain restrictions apply. New members must qualify for membership and must pay a $2 membership fee.
2 – Switch Bonus: $100 “bonus” is valid for new consumer checking and savings accounts established after 01/15/2023 using promo code “SWITCH” at account opening. To qualify for the $100 bonus, a member must 1) open a new Basic or Secure Checking account with a debit card and deposit a minimum of $500 and 2) open a new consumer savings account and deposit a minimum of $1,000. Both checking and savings accounts must be in good standing for a minimum of 90 days. Funds deposited into the savings account must be on deposit for a minimum of 90 days. The $100 bonus will be credited to the checking account within 140 days of account opening if the above criteria are met. Basic Checking accounts do not earn dividends. Secure Checking accounts earn 0.05% APY (APY = Annual Percentage Yield) — effective as of 01/15/2023 — on account balances over $1,500. Fees may reduce earnings. Certain restrictions apply. Limited time offer expires 5/31/2024. All program rates, offers, terms and conditions are subject to change without notice. Promotional funds may be subject to 1099 reporting. Any applicable taxes are the responsibility of the member.
3 – To earn $400 in dividends, you will need to fund a New Member Certificate with $10,000 for 12-months. Assumes 4.00% APY and a $10,000 deposit will remain in the account until maturity. Penalty for early withdrawal. Visit AmericasChristianCU.com/GetStarted for full product details. Minimum deposit is $1,000. Minimum deposit required to earn dividends is $1,000. Maximum deposit is $10,000. Early withdrawal penalties do apply. No additional deposits can be made during the term of the New Member Term Share Certificate. Must be opened within 60 days of account opening; or by a member who has not held, or closed, an ACCU: savings, term share certificate, money market, or loan account. Rate quoted as of 01/15/2023 and subject to change or discontinue without notice. At maturity, the promotional Term Share Certificate will renew as a traditional Term Share Certificate for another 12-month term at the prevailing rate unless we are notified prior to or within 7 days of maturity date. Dividends earned may be subject to 1099 reporting. Any applicable taxes are the responsibility of the member.
New members must qualify for membership and must pay a $2.00 membership fee.
4 – APY = Annual Percentage Yield. APY is the percentage reflecting the total amount of interest that could be paid on an account based on the interest rate and frequency of compounding. APY assumes original balance and earnings remain on deposit and rate holds constant for 365 days. Penalty for early withdrawal. Minimum balance of $1,000 is required in order to open Term Share Certificate and earn dividends. Fees may reduce earnings. All program rates, offers, terms and conditions are subject to change without notice. Visit AmericasChristianCU.com/Rates for the most up-to-date information.
5 – APY = Annual Percentage Yield. 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.
6 – Statement as of 10/23/2023 as seen on DepositAcounts.com comparing National Credit Union Administration and Federal Deposit Insurance Corporation financial institutions' Online Savings Account Yield Index.