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Earn a $200 bonus when you join ACCU and use promo code COGIC below. Offer expires 12/31/2025.1
COGIC + ACCU
We are proud to partner with the Church of God in Christ (COGIC), as we work together in ministry building and supporting Kingdom causes. As a member of COGIC, you automatically qualify for membership with America’s Christian Credit Union (ACCU), which gives you 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.
Why Choose ACCU
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.
Member Benefits
Featured Products
Online & Nationwide Banking
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 (message and data rates may apply)
- 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 (message and data rates may apply)
- 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
America's Christian Credit Union vs. Banks
| 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. |
How to Join ACCU
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
- “Church of God in Christ” will be automatically selected as your field of membership qualification
- 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
Frequently Asked Questions
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.
Join ACCU Today
1 – How does it work? The $200 one-time cash bonus is available on new consumer checking accounts opened on or after 10/08/2024. 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 10/08/2024 and 12/31/2025 using the qualifying promo code “COGIC” in the application “Promo Code” field. Existing members with an active CK06 or CK03 checking account before 10/08/2024 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 10/08/2024 (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 10/08/2024 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 10/08/2024 and 12/31/2025.
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 105 days from the account opening date to receive your bonus.
Limited-Time Offer: This limited-time offer expires 12/31/2025. 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.