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- $20,000 minimum deposit to open for corporate members
- $5,000,000 maximum aggregate balance for corporate members
- New money only1
- No monthly maintenance fees
Open Your Term Share Certificate Account Today
ACCU is your financial partner. Whether you’re in the business of Kingdom-building or your business is your mission field, funds invested with America’s Christian Credit Union help like-minded Christian owners like yourself build stronger communities and ministries. Before you apply, please view the required items needed to be prepared with to fill out the application.
Required Items To Open An Account
- Statement of Faith for non-denominational or independent church/ministry
- Formation documents (Articles of Incorporation or equivalent)
- EIN Confirmation Letter from the IRS
- Recent Board Minutes or letter from the Board Secretary identifying all approved account signers
Do I need personal membership with America’s Christian Credit Union member to apply for a term share certificate for my organization?
You don’t need personal membership to start the term share certificate application for your organization, but you will need to qualify for and complete membership for your organization to finish the process.
However, if you are applying as a sole proprietorship or independent contractor, you will need to qualify with personal membership with ACCU. We are all about a life-long relationship – and we want to serve those within various fields of business. You can file for personal membership starting here.
Do I have to maintain a minimum balance to have a term share certificate earn interest?
Yes, to earn interest you will need to have a a minimum balance of $20,000.
Can my organization have more than one term share certificate account?
Yes, your organization can have more than one term share certificate account with ACCU. We are here to help your organization achieve its goal. We have a laddering strategy available to our members. Schedule a consultation with us to get started.
Can I withdraw my funds earlier than the term expires?
Yes, we understand that your organization may need to access these funds for an emergency, but you will have to pay a fee if it is accessed before its expiration date.
Use this calculator to help determine the potential dividend growth and tax liability on your Term Share Certificate.
This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not imply that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results. This calculator is not an offer of credit nor a guarantee of approval.
1 – APY = Annual Percentage Yield. APY assumes that dividends will remain in the account until maturity. This is a fixed-rate certificate; the dividend rate will not change during the term of the certificate. A minimum balance is required to open the 10-Month Certificate and to earn dividends.
For consumer members, the 10-Month Certificate has a $5,000 minimum deposit per certificate and a $1,000,000 maximum aggregate balance.
For corporate members, the 10-Month Certificate has a $20,000 minimum deposit per certificate and a $5,000,000 maximum aggregate balance. Existing corporate members are not eligible for the 10-Month Certificate Accounts. Corporate members who have opened their account within the last 60 days are eligible to open a corporate 10-Month Certificate. Corporate members who have opened membership on or after 02/01/2025 are eligible to open a corporate 10-Month Certificate.
Dividends are compounded monthly and credited monthly. Dividends begin accruing on the business day the deposit is received.
Balance Computation Method: We compute the balance in our share accounts to determine the dividends you will be paid by using the daily balance method which applies a daily periodic rate to the balance in your account each day.
Early withdrawal penalties: A penalty may be imposed for withdrawals made before maturity. The penalty may reduce the principal balance.
Funding Restrictions: No additional deposits can be made during the term of the 10-Month Certificate. This offer is for new members and existing members. The account must be funded with new funds or funds deposited less than 30 days prior to opening. Offer valid beginning 02/18/2025. At maturity, the 10-Month Certificate will renew as a traditional 9-Month Certificate at the prevailing rate unless we are notified prior to or within 7 days of maturity date.
All program rates, offers, terms and conditions are subject to change without notice. Certain restrictions apply. New members must qualify for membership and must pay a $2 membership fee.