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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, your affiliation qualifies you 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.
Exclusive Offer: How to Earn $200
- Join ACCU and open an Elite Checking account1 using the form on this page
- Enroll in Online Banking
- Inside Online Banking, submit the referral code provided to you
- Register for e-Statements
- Within 60 days, make 12 Visa® debit card transactions2 AND have electronic deposits made into the new Elite Checking account totaling $2,000.00 or more3
- Log into Online Banking and click the “Check Eligibility Status” button
Once all of the activities above are completed, inside of the 60 day timeframe, you will receive the $200 bonus in your ACCU Elite Checking account.4
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 – Account requirements must be met to qualify for this promotion. Promotion applies to members with a new Elite Checking account opened after 06/15/2026. Business/Entity members do not qualify for this promotion. Accounts must be in good standing to receive the bonus; “good standing” is defined as having no negative balances on any share account or delinquencies on loans held at America’s Christian Credit Union during the promotion and assessment periods.
2 – The 12 qualifying debit card transactions must be point of sale or merchant transactions. ATM transactions do not qualify. Qualifying activities must be completed within 60 days of code redemption or before the promotion expires on 12/31/2026, whichever comes first.
3 – The qualifying direct deposits totaling $2.000.00 or more do not include transactions from money transfer applications and person-to-person transfer applications. Qualifying direct deposits include payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network. Qualifying activities must be completed within 60 days of code redemption or before the promotion expires on 12/31/2026, whichever comes first.
4 – Any earned bonuses are paid by day 75 of the referred member’s code redemption to allow 15 days for processing after the initial 60 day redemption period, or the end of the promotional period – whichever occurs first. For referred members to receive a $200 bonus, members must have a qualifying Elite Checking account with America’s Christian Credit Union at time of payout(s). Members may not refer themselves or use their own referral codes. Any bonuses issued are reported as income and may be subject to income tax.
America’s Christian Credit Union reserves the right to, in its sole discretion, disqualify any entrant who has tampered with the operation of the referral promotion, is acting in violation of the parameters of the program, or is otherwise operating in a manner deemed abusive to the spirit of the referral program. America’s Christian Credit Union reserves the right to seek damages, including attorney’s fees, and all other available lawful remedies against any party or person who, using any manner or method, tampers with or attempts to tamper with, damage, or destroy the operation or administration of the referral promotion and may terminate the promotion at any time without notice.