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America's Christian CU
America's Christian Credit Union

Where You Bank Matters

Join America's Christian Credit Union (ACCU) — a co-operative of believers pooling resources together to support a biblical worldview and the greater body of Christ.
More Than a Banking Institution

For individuals, churches, schools, and businesses across the spectrum of Christian traditions – 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.

From an organization’s first financial consultation through investment lending, we’re here to be your life-long financial partner. Whether your mission field is a local community, overseas, or on main street as a Christian owned business — we are here to support you. Join ACCU and discover banking with a financial partner who understands your faith and moves you forward. Because we are Stronger Together!

Why Join ACCU?
Whether you are looking to bank, borrow, or invest, our great rates, quality products, and personalized services are designed to fit your organization's needs.
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.
  • $47,400,000+ invested in Christian-owned businesses in 20211
  • $43,800,000+ invested in domestic and international adoption financing since 20091
  • $33,600,000+ invested in church and ministry financing in 20211
  • $23,500,000+ invested in Christian school campus financing to date1
  • Click to read more in our latest annual report
We have partnered with credit unions nationwide via the CO-OP network. You can use any network branch or ATM just like you were at ACCU. Plus, use your computer or mobile device to log in to your account anytime with ACCU’s online banking and mobile banking app2.
  • 30,000+ Surcharge-free ATMs2
  • 5,600+ Shared Branches2
  • 24/7 access with online & mobile banking3
  • Find an ATM near you
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. 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/school/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.
Whether you are looking to bank, borrow, or invest, our great rates, quality products, and personalized services are designed to fit your organization's needs.
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.
  • $47,400,000+ invested in Christian-owned businesses in 20211
  • $43,800,000+ invested in domestic and international adoption financing since 20091
  • $33,600,000+ invested in church and ministry financing in 20211
  • $23,500,000+ invested in Christian school campus financing to date1
  • Click to read more in our latest annual report
We have partnered with credit unions nationwide via the CO-OP network. You can use any network branch or ATM just like you were at ACCU. Plus, use your computer or mobile device to log in to your account anytime with ACCU’s online banking and mobile banking app2.
  • 30,000+ Surcharge-free ATMs2
  • 5,600+ Shared Branches2
  • 24/7 access with online & mobile banking3
  • Find an ATM near you
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. 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/school/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.
Who is Eligible to Join ACCU?

Our online membership application is quick and easy, when you meet any of the following criteria:

  • Churches, ministries, and schools aligned with Wesleyan Christian doctrine and their ministers, employees, members/attendees, officers, teachers, students, and others associated with these organizations.
  • Immediate family members living within the same household as an existing member of America’s Christian Credit Union.
  • Employees of America’s Christian Credit Union.

When you join America’s Christian Credit Union:

  • You become a member/owner – a stakeholder with a vote in what we do.
  • Your accounts are federally insured by the NCUA with added protection provided by ASI.
  • You are eligible to retain your membership for life.

Join our 120,000+ members nationwide and make an eternal impact in people’s lives for the Kingdom.

Organizational Membership FAQ

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. Click here to start your application. Then select the account(s) you are interested in and follow the prompts for the needed information. 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? Click here to add an account.

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/school
  • 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 credit unions who require a visit to a local branch in order to open an organization or 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; click here to start your loan application.

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 over 5,600 ATMs provided through our partnership with CO-OP. Click here to find an ATM near you.

Get Started
At ACCU, we’re dedicated to providing you with the support you need to reach your organization's financial goals along with personalized and service-oriented banking. Discover banking with a financial partner who understands your faith and moves you forward.

1 – Figures quoted represents America's Christian Credit Union achievements as per the end of the 2021 fiscal year dated 12/31/2021.

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

3 – Message and data rates may apply.