Financial Strength
For The Whole Church
More Than a Bank – Not Just a Credit Union

For individuals, churches, and businesses across the spectrum of Christian traditions – America’s Christian Credit Union (ACCU) is the only banking partner that is dedicated to serving the wider Kingdom of God by personally supporting, advising, and building stronger families, ministries, communities, and futures through financial health. When you bank with ACCU, 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 an organization’s first financial consultation through investment lending, 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!

Banking With the Kingdom in Mind
At America’s Christian Credit Union we take pride in considering ourselves “your financial partner,” in each stage of your Church’s, Ministry’s, or Business’ growth. We want to walk alongside you as you pursue your financial goals in alignment with Christian stewardship principles and support of a biblical worldview. Whether your mission field is a local community, overseas, or on mainstreet as a Christian owned business -- we are here to support you because we are Stronger Together.
Stronger Priorities
Do You Know How Your Bank Insures & Stewards Your Funds?

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

Members of America’s Christian Credit Union with qualifying personal accounts exceeding the maximum level of coverage provided by the NCUA. Qualifying organization accounts (business/church/ministry) 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. Learn more.

Banking With A Purpose
America's Christian Credit Union provides financial solutions to Christian individuals and organizations that empower them to reach their goals. Unlike banks, our members are our shareholders. Our mission is to serve the whole church, which means we offer personal financial services and business banking services to churches, ministries, Christian schools and universities, and Christian business owners across the United States. Then our members' funds are reinvested to expand churches, ministries, and families.
Stronger Together

“Stronger Together” means we exist to help our community and beyond. Here’s how it works: ACCU provides financial solutions to Christian individuals that empower them to reach their financial goals. Our members’ funds are then reinvested to expand churches, ministries, and families. Choose America’s Christian Credit Union and discover banking with a financial partner who understands your faith and moves you forward.

Get Started
As a member of America’s Christian Credit Union, we’re dedicated to providing you all the support you need to reach your organization's financial goals along with a personalized and service-oriented banking experience. Discover banking with a financial partner who understands your faith and moves you forward.
Organizational Membership Frequently Asked Questions

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

If you are in the neighborhood and would like to visit our branch, you can apply for membership in-person. Our relationship managers would be happy to assist you in applying for membership and opening any deposit account you need.

Otherwise, It’s quick and easy to open a deposit account when applying for membership from the comfort of your home or office. To begin the online application, click here for businesses and click here for churches/ministries. Then select the account(s) you are interested in and follow the prompts for the needed information. Then we will take it from there, one of our relationship managers will process your request and provide instructions for funding the account once your membership has been approved.

Already a member? Add an account here.

What information do I need to open an account?

You will need your:
– Physical address
– Phone number
– Doing Business As (DBA)
– Applicant Taxpayer/Employer Identification Number (TIN/EIN)
– Statement of Faith for non-denominational or independent church/ministry
– Formation documents (Articles of Incorporation or equivalent)
– Recent Board Minutes or letter from the Board Secretary identifying all approved account signers

How long does it take to establish membership and open my accounts?

This can vary based on a number of factors including the size of your organization and the number of signers required. We have seen an organizational membership opened in as little as 24-hours. Additionally, we have taken great care to make sure our process can be completed 100% online unlike many other banks and CU’s who require a visit to a local branch in order to open an organization/business account.

Does my organization need to be an America’s Christian Credit Union member to apply for a loan?

Your organization doesn’t need to be a member to start a loan application. However, your organization will need to qualify for and complete membership to finish the process. We are all about a life-long relationship – so your assigned business lending representative will walk you through all of the options and best practices in pursuit of your organization’s lending needs. Applying for a loan is quick and easy, you can do so here.

How can I access my accounts?

Our mobile app and online banking services make it easy to access your account anytime and anywhere. 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 as well as a network of ATMs provided through our partnership with CO-OP. View all locations here.

1 – Via Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations.

2 – Figures quoted represents America's Christian Credit Union achievements as per the end of the 2019 fiscal year dated 12/31/2019.