America's Christian CU
America's Christian Credit Union

Term Share Certificates

Open a certificate for 3 or 6 months and earn 4.40% APY1!

Today's Rate - Valid 04/20/2024
Rates As High As

What is a Term Share Certificate?

A term share certificate is holding funds between 3-60 months. Earn higher dividends than a traditional savings account or a money market account, the longer you hold your money in a term share certificate. Suited for churches, nonprofits and businesses who don’t want to be in investment markets.

Benefits of Term Share Certificates:

  • The longer the term, the higher earnings potential than a traditional savings account
  • Fixed, consistent growth for long-term savings strategies
  • Comes terms from 3 – 60 months
  • Requires only a $1,000 minimum deposit

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 click Apply Online, 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
Term Share Certificate Rates

Certificates are subject to a penalty for early withdrawal

TermMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / PaidMaximum BalanceSpecial Terms
3 Month$1,000$1,0004.31%4.40%FixedMonthly--
6 Month$1,000$1,0004.31%4.40%FixedMonthly--
9 Month$1,000$1,0004.07%4.15%FixedMonthly--
12 Month$1,000$1,0003.69%3.75%FixedMonthly--
18 Month$1,000$1,0003.35%3.40%FixedMonthly--
24 Month$1,000$1,0003.30%3.35%FixedMonthly--
36 Month$1,000$1,0003.25%3.30%FixedMonthly--
48 Month$1,000$1,0003.20%3.25%FixedMonthly--
60 Month$1,000$1,0003.15%3.20%FixedMonthly--
Special Offerings

12 Month New Member

$1,000$1,0003.93%4.00%FixedMonthly$10,000For new members only. Certain restrictions apply. Learn more.

New Member Certificate

As a special “Thank You” when you join America’s Christian Credit Union, you can take advantage of our New Member Certificate, which boasts a special high-rate & term to help maximize your savings. But act fast — this offer is only available for the first 60 days from when you open your ACCU membership!


  • High fixed rate of 4.00% APY
  • $1,000 minimum deposit
  • $10,000 maximum deposit
  • 12-month term

Today's Rate - Valid 04/20/2024
New Member Certificate

Term Share Certificate Frequently Asked Questions

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 $1,000.

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.

Term Share Certificate Calculator

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. Penalty for early withdrawal. Minimum Balance is required in order to open Term Share Certificate and earn dividends.

2 – Minimum deposit is $1,000; maximum deposit is $10,000. Early withdrawal penalties do apply which may reduce the principal. No additional deposits can be made during the term of the New Member Term Share Certificate. This offer is for new members or members within the first 60 days of account opening. At maturity, the promotional Term Share Certificate will renew as a traditional Term Share Certificate for another 12-month term 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.