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America's Christian CU
America's Christian Credit Union

Banking with Virtue

We are committed to serving the financial needs of Classical Christian Schools and their employees as they work to instill in young believers a deep and abiding love of goodness, truth, and beauty.

Classical Christian Education Partners

America's Christian Credit Union is proud to partner with the following organizations:

School Operations

School Banking

We offer a full range of financial products and services to keep your operation running smoothly. Enjoy peace of mind knowing that your deposits are federally insured and used to fund loans to churches, ministries, and other Christian schools.

K-12 Tuition Financing

We are pleased to offer low-interest loans to help families afford the cost of private Christian schooling. In addition to helping families, this program enables schools to collect funds in a lump sum while shifting administrative burden to ACCU staff. Our program is offered at no cost to schools with no contracts required.

School Construction Loans

Private school enrollment is up, and your campus might be feeling impacted. Let us help you secure the financing to build or renovate your space so learning can remain your main focus. Our staff will work hand-in-hand developing a solution that works best for your school.

Lines of Credit

A line of credit can help bridge the gap between enrollment-based funding cycles and ongoing expenses, such as payroll, supplies, and facility costs. With a line of credit, schools can manage cash flow more effectively, respond to unexpected costs, and invest in growth opportunities without disruption, ensuring a stable learning environment year-round.

Faculty & Staff Benefits

Get Started Today!

Earn a $200 bonus when you join ACCU and use promo code ACCS below. Offer expires 07/15/2025.1

ACCS + ACCU

ACCS faculty and staff automatically qualify for membership with America’s Christian Credit Union (ACCU), where members can enjoy access to our range of benefits, including competitive returns on deposits, low-rate personal loans, and a nationwide network of shared branches and surcharge-free ATMs via the Co-Op Network.

Checking & Savings

ACCU can help make budgeting for a 10-month pay period easy. With an automatic monthly transfer from each paycheck, you can build your summer savings to get you through the non-payroll period. Set it, forget it, and get back to the job you love.

Nationwide Access

Enjoy access to 30,000+ surcharge-free ATMs and 5,600+ shared branches through our partnership with the CO-OP network. Plus, log in to your account anytime with online banking and our mobile banking app (message and data rates may apply).

New Member Certificate

When you partner with ACCU, your staff becomes eligible for membership and can earn a high, fixed rate on our new member certificate. This exclusive offer is only available for the first 60 days from when their ACCU membership is opened!

Member Benefits

ACCU is pleased to offer the following member benefits thanks to the generosity of our partners

What Others Are Saying

"As the Director of Operations and Admissions, I would highly recommend using ACCU's tuition financing program. It has really helped me lighten my work load. I no longer have to ask parents each month to pay the tuition bill or keep the records for all the accounts each month. "
- Mrs. Josie H., Los Angeles, CA
“It is a comfort to know that ACCU is staying firm to God’s truth in its operations and management of my financial resources. God has much to say about our finances, and to have my money invested with an organization that shares my Biblical values is important to me. I believe God will bless my investments because those who lead ACCU trust God, are praying, and are working on my behalf as a financial partner.”
- Debbie Schindler, Pacific Christian Academy, Seattle, WA
“We needed to consolidate our school construction debt into one loan so we could pay the construction company. We were told ‘no’ by several other companies, but ACCU took the time to work with us. It was such a blessing to work with a Christian lender who understands and prays for the school’s ministry and who shares the same ultimate goal — to advance the Kingdom.”
- Elisa Carlson, Head of School, Central Christian School, OR
"ACCU's K-12 Tuition Loan program can and does encourage families to enroll that might otherwise walk away. I am often asked about tuition and payment options, and having this ACCU payment program is an effective tool in recruitment for those families that need a monthly option.”
- Mrs. Judy G., Los Angeles, CA
“As the world moves further away from God’s truth, it has been a desire of mine to partner with businesses who are of like mind with the Biblical principles that guide my life. ACCU honors the same Biblical principles and has the same moral compass as I do. It is a comfort to know that they will use and protect my money in a way that is consistent with my understanding of what God says about financial stewardship.”
- Debbie Schindler, Pacific Christian Academy, Seattle, WA

1 – How does it work? The $200 one-time cash bonus is available on new consumer checking accounts opened on or after 06/19/2025. Applicants must meet the minimum requirements for a Basic Checking (CK06) or Secure Checking (CK03) account, including valid identification, verifiable personal information, valid physical address in the U.S., and an active Regular Share Savings account (SV01) to establish membership with ACCU. All signers authorize ACCU to make inquiries from any consumer reporting agency, including a check protection service, in connection with the new account(s). New membership with ACCU is contingent on satisfactory account verification. The bonus offer ends on 12/31/2025 and is only available for new ACCU consumer CK06 and CK03 checking accounts.

How do I qualify? Open a new CK06 or CK03 account between 06/19/2025 and 07/15/2025 using the qualifying promo code “ACCS” in the application “Promo Code” field. Existing members with an active CK06 or CK03 checking account before 06/19/2025 do not qualify for this promotion. CK06 and CK03 checking accounts have a $3.00 and $4.00 monthly paper statement fee that is waived upon enrollment in e-statements. CK03 has a monthly account service fee of $4.95 for access to additional account benefits. Visit https://americaschristiancu.com/personal/rates/ to compare account features and for complete annual percentage yields associated with ACCU accounts. The minimum amount required to open a CK03 account is $10; the minimum amount required to open a CK06 account is $15. The qualifying promo codes will be displayed or announced in marketing campaigns (contact an ACCU representative at 800-343-6328 for more details).

Limits and Exclusions: Offer is limited to one per member and one per account (including trustees and signers on joint accounts). Offer is not available for existing ACCU consumer checking account holders who have or had a CK06 or CK03 checking account prior to 06/19/2025 (including trustees and signers on joint accounts) or those who have closed an ACCU checking account within the past 12 months. New Health Care Sharing Membership accounts are not eligible for this promotion. Existing members with an active CK06 or CK03 checking account before 06/19/2025 do not qualify for this promotion. The new checking account must be open, in good standing, and have a balance greater than zero when the cash bonus is paid. Accounts opened fraudulently or with illicit funds are not considered to be in good standing and will not qualify for the bonus. Members are eligible for one checking account cash bonus per account and tax ID number; members cannot open multiple checking accounts and receive multiple cash bonuses. Bonus payouts are issued and reported for tax purposes to the primary account holder of a joint account. The promo code is applied to the first checking account that is opened between 06/19/2025 and 07/15/2025.

How will I receive my bonus? The $200 opening bonus will be awarded to the newly established CK06 or CK03 account after the account has been active for 90 days in good standing. The cash bonus will be paid into the checking account upon verification of the qualifying promo code. Please allow ACCU up to 90 days from the account opening date to receive your bonus, plus an additional 15 days for processing.

Limited-Time Offer: This limited-time offer expires 07/15/2025. All program rates, offers, terms, availability, and conditions are subject to change without notice. Promotional funds may be subject to 1099-MISC reporting. Any applicable taxes are the responsibility of the member.

New members must qualify for membership and must pay a $2.00 membership fee.