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America's Christian CU
America's Christian Credit Union
Partnership is everything to us, and our relationship with Sonrise Christian School is a special one.

Get Started with Membership
+ $50/$50 Program Today!

Fill out the form below to be enrolled in the Sonrise $50/$50 program and to complete your membership application.

Stronger Together

For years, we have partnered with Sonrise Christian School in ministry building, and they have held a special place in our hearts. And now, we would be honored and excited to continue that tradition with you. As a staff member, volunteer, or parent of a child attending Sonrise, you automatically qualify for the benefits of membership with ACCU including access to competitive returns on deposits and low rate personal loans and access to a nationwide network of 5,600 shared branches and 30,000 surcharge-free ATMs.

Learn more about how banking with ACCU supports ministry and a Biblical worldview

The $50/$50 Program

At ACCU, we are all about helping ministries and the families they serve. When you establish membership and open a checking account with us, you’ll get a $50 account opening bonus1—and Sonrise Christian School will get a $50 donation from us on your behalf. Consider it your first taste of the ACCU difference!

Details & Perks:

To qualify for the $50/$50 bonus, just follow these simple steps and stay active for at least three months:

  • Establish a new membership with ACCU and open a Secure Checking or Basic Checking Account
  • Setup direct deposit with at least one deposit of $100.00 per month1
  • Make at least two purchases per month using your new FREE VISA® Debit Card2

Other benefits include:

  • Life-time access to a checking account without minimum balance requirements3
  • Peace of mind knowing you can access your funds anytime through our mobile banking app (carrier data and message rates may apply), a nationwide network of branches and ATMs, and the security of federal share insurance through the National Credit Union Administration, plus private share insurance on balances in excess of federal limits. Click here to learn more.

1 – $50/$50 “bonus” is valid for newly established memberships and checking accounts from Sonrise Christian School. Qualifying accounts for $50/$50 bonus are either “Secure Checking” or “Basic Checking” using the form atop of AmericasChristianCU.com/business/sonrise, or the promo code “Sonrise” at account opening when using a general membership application. To qualify for the $50/$50 bonus the following requirements must be met: at least one (1) deposit of $100.00 or more and two (2) debit card purchases per calendar month for at least three (3) consecutive months. Once qualifications have been met, the $50 bonus will be credited to the chosen “Secure Checking” or “Basic Checking” account, and donation made to Sonrise Christian School within 120 days of account opening. Certain restrictions apply. Terms, conditions, and offer availability may be subject to change without notice. The minimum deposit to open a Secure Checking account is $10, and a $4.95 monthly fee; a minimum average daily balance of $1,500 is required to earn dividends. The minimum deposit to open a Basic Checking account is $15. See Truth in Savings disclosures for complete details on deposit accounts.

2 – Third-party vendor fee may apply.

3 -A deposit of $10 is required to open a Secure Checking account. Minimum balance to keep account in maintain the account is $0.00. A minimum monthly deposit may be necessary to cover applicable service fees listed on the consumer fee schedule. Secure Checking account has a $4.95 monthly fee and can be changed to a standard “Basic Checking” account at any time. Statement fee is waived with enrollment in free electronic statement service. Otherwise, a monthly paper statement fee of $3.00 will apply. See consumer fee schedule for full list of applicable fees.

A deposit of $15 is required to open a Basic Checking account. Minimum balance to keep account in good standing is $0.00. A minimum monthly deposit may be necessary to cover applicable fees. Minimum balance to maintain the account is $0.00. A minimum monthly deposit may be necessary to cover applicable service fees listed on the consumer fee schedule. Statement fee is waived with enrollment in free electronic statement service. Otherwise, a monthly paper statement fee of $4.00 will apply. See consumer fee schedule for full list of applicable fees.

Earn up to $275 When You Switch to ACCU

Earn $50 when you open a Checking account with qualifying activities1

  • Open a Secure Checking or Basic Checking account using promo code “SWITCH”
  • Make at least one (1) deposit of $100.00 or more per calendar month
  • Make at least two (2) debit card purchases per calendar month

Earn up to $100 in dividends when you open a New Member Certificate4

  • Open a New Member Certificate and deposit up to $5,000
  • Earn $100 in dividends at an APY5 of 2.00%

Earn up to $125 in cash back with an introductory offer for ACCU’s VISA® Signature Rewards Credit Card6

  • Earn 2,500 points for your first card transaction
  • Earn 10,000 points for spending $3,000 in the first 90 days7
  • Rewards points may be redeemed for Cash Back

1 – $50/$50 “bonus” is valid for newly established memberships and checking accounts from Sonrise Christian School. Qualifying accounts for $50/$50 bonus are either “Secure Checking” or “Basic Checking” using the form atop of AmericasChristianCU.com/business/sonrise, or the promo code “Sonrise” at account opening when using a general membership application. To qualify for the $50/$50 bonus the following requirements must be met: at least one (1) deposit of $100.00 or more and two (2) debit card purchases per calendar month for at least three (3) consecutive months. Once qualifications have been met, the $50 bonus will be credited to the chosen “Secure Checking” or “Basic Checking” account, and donation made to Sonrise Christian School within 120 days of account opening. Certain restrictions apply. Terms, conditions, and offer availability may be subject to change without notice. The minimum deposit to open a Secure Checking account is $10, and a $4.95 monthly fee; a minimum average daily balance of $1,500 is required to earn dividends. The minimum deposit to open a Basic Checking account is $15. See Truth in Savings disclosures for complete details on deposit accounts.

4 – To earn $100 in dividends you will need to fund a New Member Certificate with $5,000. Assumes 2.00% APY and a $5,000 deposit will remain in the account until maturity. Penalty for early withdrawal. Visit AmericasChristianCU.com/GetStarted for full product details.

New Member Certificate: Minimum deposit is $1,000. Minimum deposit required to earn dividends is $1,000. Maximum deposit is $5,000. Early withdrawal penalties do apply which may reduce the principal. No additional deposits can be made during the term of the New Member Term Share Certificate. Offer is available to new members, or members who have not held, or closed, an ACCU: savings, term share certificate, money market, or loan account. Limit one new member certificate per household Rate quoted as of 3/1/2021 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.

5 – APY = Annual Percentage Yield and is accurate as of 03/01/2021. Visit AmericasChristianCU.com/Personal/Rates for current details. All program rates, offers, terms and conditions are subject to change without notice. Early withdrawal penalties do apply which may reduce the principal.

6 – The Introductory Offer of 12,500 bonus rewards points when opening a new VISA® Signature Rewards Credit Card can be redeemed in the CURewards portal. Rewards points can be redeemed for cashback, travel, merchandise, and gift cards. 2,500 bonus points can be redeemed for $25 cash back. VISA® Signature Rewards Card issuance is contingent on approved credit, and rates offered are based on credit-worthiness. Minimum FICO score of 660 is required. Minimum credit line of $5,000. Applicants who do not qualify for the VISA® Signature Rewards Card may be approved for a VISA® Platinum or Share-Secured VISA® credit card. Not all applicants will qualify for the best rate. All program rates, offer, terms and conditions are subject to change without notice. Certain restrictions apply. Offer not valid for existing ACCU credit card holders, or cardholders who have closed their accounts in the past 24 months. One offer per household. Visit AmericasChristianCU.com/VisaSignature for full list of disclosures and applicable fees.

7 – 90 day period begins from the issuance date of the credit card. Offer for consumer only.

New Member Certificate

As a special “Thank You” when you join America’s Christian Credit Union, you can take advantage of our New Member Certificate4, which boasts a special high-rate & term to help maximize your savings. But act fast — this offer is only available for the first 60 days from when you open your ACCU membership!

  • High fixed rate of 2.00% APY5
  • $1,000 minimum deposit
  • $5,000 maximum deposit
  • 12-month term

Today's Rate - Valid 05/13/2021
New Member Certificate
2.00%
APY5

4 – APY = Annual Percentage Yield. To earn $100 in dividends you will need to fund a New Member Certificate with $5,000. Assumes 2.00% APY and a $5,000 deposit will remain in the account until maturity. Penalty for early withdrawal. Visit AmericasChristianCU.com/GetStarted for full product details.

New Member Certificate: Minimum deposit is $1,000. Minimum deposit required to earn dividends is $1,000. Maximum deposit is $5,000. Early withdrawal penalties do apply which may reduce the principal. No additional deposits can be made during the term of the New Member Term Share Certificate. Offer is available to new members, or members who have not held, or closed, an ACCU: savings, term share certificate, money market, or loan account. Limit one new member certificate per household Rate quoted as of 3/1/2021 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.

5 – Visit AmericasChristianCU.com/Personal/Rates for current details. All program rates, offers, terms and conditions are subject to change without notice. Early withdrawal penalties do apply which may reduce the principal.

More Than a Banking Institution

When you bank with America’s Christian Credit Union you are joining a co-operative of believers pooling resources together to support a biblical worldview and the greater body of Christ.

As a fully federally insured credit union, ACCU has been providing financial services to Christian individuals and ministries for over 60 years with the aim of supporting: church expansion, ministry building, Christian schools, assisting small businesses, and supporting individuals & families by way of high-rate deposit accounts and low-rate lending services.

From a member’s first savings account through retirement, we’re here to be your life-long financial partner. Join ACCU and discover banking with a financial partner who understands your faith and moves you forward! Because we are Stronger Together!

Auto Loans

New | Used | Refinance

Whether you’re shopping for a car, truck, SUV, van or crossover - new or used -
ACCU can help tailor a loan solution that will fit your needs and budget.

Auto Loan Features:

  • Fixed auto loan interest rates as low as 2.49% APR8
  • Terms up to 84 months (7 Years)8
  • Pre-Approvals for additional buying power
  • 0.50% rate discount with automatic payments
  • Up to 100% financing, including tax & license (new vehicle)9 & up to 100% financing of Kelley Blue Book® Value (used auto)9
  • Discounted GAP coverage & Mechanical Breakdown Insurance available
  • Debt Protection Services Available
  • First Payment deferral up to 90 days10
  • Up to two Skip-a-Payments per year

Today's Rate - Valid 05/13/2021
New and Used Auto Loans
As Low As
2.49%
APR8

8 – APR = Annual Percentage Rate. Payment example: An 84-month fixed term auto loan at an annual percentage rate of 3.49% will be approximately $13.44 per $1,000 borrowed. Your actual payment will vary based on credit worthiness, term chosen, and total amount financed A one-time loan funding fee of $25.00 will be due at loan upon acceptance of qualified rate and term which, at the applicants discretion, can be added to the loan principal affecting the effective APR. All applications are subject to credit approval. A minimum FICO score of 640 is required. Not all applicants who apply will qualify, or qualify for the lowest advertised APR. Must qualify for membership. A $2.00 membership fee may apply.

9 – A new auto is considered to be a vehicle whose model year is up to one year older than the current calendar year or newer. A used auto is considered to be a vehicle whose model year is more than one year older than the current calendar year. Used vehicles are subject to Kelly Blue Book’s valuation.

10 – 90-day payment deferral must be requested by borrower. Interest begins to accrue on day of loan disbursal. Interest will continue to accrue during this period. Repayment of the loan is still subject to the number of installments chosen at time of funding (i.e. 36, 60, or 84 monthly payments). Current ACCU loans not eligible for promotion.

Your Money is Safe and More than Federally Insured

National Credit Union Insurance Fund

Your deposits are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is managed by the National Credit Union Administration, an independent agency of the United States Government. Your deposits are insured up to $250,000 per individual account and up to $250,000 for Individual Retirement Accounts.

American Share Insurance (ASI)

Members of America’s Christian Credit Union with qualifying personal accounts exceeding the maximum level of coverage provided by the NCUSIF are also privately insured up to an additional $200,000 by ASI for a total of $450,000 of coverage. And, qualifying business/church accounts exceeding the maximum level of NCUA coverage are also insured up to an additional $100,000 by ASI for a total of $350,000 of coverage. ASI’s additional insurance coverage at America’s Christian Credit Union only applies to qualifying personal checking, savings, TSC and IRA accounts and to qualifying business/church accounts.

What Our Members Are Saying
"Wow, this has been the best banking experience and the help and communication from opening our accounts to assisting with the PPP process. Thank you ACCU team, we are glad to be in the family!"
Walter H. from California
"Every step of the way I had a real person to talk with. The communications were clear and easy to follow and I felt like each person really cared. I got my PPP loan in one week! That is amazing."
Monica S. from Arizona
"You guys are wonderful. Like night and day compared to working with a traditional bank."
Thomas B. from Illinois
"Every phone call and email contact I encountered was handled quickly, professionally, and with care and courtesy. Also, everyone communicates with a 'personal' touch that feels more like family rather than just a client or business relationship."
Gloria G. from New York
"We have a true partner in ACCU! Representatives from the bank take a personal approach with us, and it is clear that they genuinely care about our mission and success. Communications are prompt and forthright, and their processes are easy to follow."
Jeff B. from California
"Over thirty years of working with America's Christian Credit Union has been a partnership of trust and security. We find a spirit of helpfulness and would recommend this Credit Union to others."
Delphine M. from Tennessee
"Working with ACCU was a fast and painless process. All the agents were friendly and helpful. ACCU communicated to me with each step along the way... 10/10!"
Matthew B. from Pennsylvania
Frequently Asked Questions

How do I open a deposit account at America’s Christian Credit Union?

It’s quick and easy using the form above fill out the required information. You will be guided through opening a checking account that qualifies you for our 50/50 program. Simply select which checking account you prefer and if you would like to add on our new member certificate. From there one of our membership representatives will process your request and provide instructions for funding the accounts once your membership has been finalized.

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 – We would encourage you get started using the form above  so you can be guided through opening a checking account that qualifies you for our 50/50 program. If you are only interested in applying for a loan, you can do so here.

What information do I need to open an account?

  • Name and ID (driver license, state ID or passport)
  • Physical address
  • Phone number and date of birth
  • Employment status and employer (if employed)
  • Social Security or Taxpayer Identification Number

How can I access my accounts?

Our mobile app and online banking services make it easy to access your account anytime and anywhere (carrier data and message rates may apply). 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 than30,000 CO-OP ATMs. View all locations here.

Can my kids qualify for membership?

Yes, teaching our kids the value of financial stewardship is a lifetime gift, and passing along ACCU membership to your Children is a great way to do that. We have a variety of youth accounts available you can explore them here: Youth/College Saving, Student Checking.