Term Share Certificates
Attain your organization’s long-term savings goals.

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 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 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 infer 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.