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America's Christian CU
America's Christian Credit Union

For Parents

Making K-12 Christian Education More Accessible

K-12 Tuition Loans

Don’t let finances keep you from sending your child to the right school. With a signature loan from America’s Christian Credit Union (ACCU), you can submit tuition in one lump sum and pay back the loan on your terms. Be sure to ask your school about up-front tuition discounts that may make your child’s education even more affordable!

School Tuition Loan

  • Rates as low as 8.00% APR1
  • Terms up to 60 months
  • First payment deferral for 90 days2

Education Line of Credit

  • Rates as low as 9.50% APR3
  • Pay off at your own pace
  • Easily re-draw as needed


*APR = Annual Percentage Rate. Tuition loans range from 8.00% – 16.75% APR. 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.

 

School Trip Saver

This Savings Account offers a convenient and disciplined way for students to steadily save for a school trip requiring significant travel costs. Initiate an automatic monthly transfer from the bank account of your choosing to your School Trip Saver account, and when the target date arrives, the amount saved will be rolled into a basic checking account with a debit card for easy spending.

Earn up to $425 When You Switch to ACCU

Earn $100 when you open a Checking account with qualifying activities4

  • Open a Secure Checking or Basic Checking account using promo code “SWITCH
  • Make at least one (1) deposit of $25.00 or more per calendar month
  • Make at least two (2) debit card purchases per calendar month

Earn up to $200 in dividends when you open a New Member Certificate5

  • Open a New Member Certificate and deposit up to $10,000
  • Earn $200 in dividends at an APY6 of 2.00%

Earn up to $125 in Cash Back with an introductory offer for ACCU’s VISA® Signature Rewards Credit Card7

  • Earn 2,500 points for your first card transaction
  • Earn 10,000 points for spending $3,000 in the first 90 days8
  • Rewards points may be redeemed for Cash Back

More Than a Banking Institution


When you bank with America’s Christian Credit Union 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 a member’s first savings account through retirement, 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!

1 – APR = Annual Percentage Rate. Loans subject to credit approval. Advertised “as low as rate” APR assumes excellent credit history and maximum rate discount of 0.50% for ACH/automatic payment. Your actual APR may vary based on loan type, your credit history, ability to repay, approved loan amount, term, and applicable discounts. Not all applicants will qualify for the lowest rate. Rates, terms and conditions are subject to change without notice. $25.00 loan processing fee for Signature Loans. For a $10,000 Signature Loan with a 36-month term at 8.00% APR, the approximate monthly payment will be $313.00. For a $10,000 Signature Loan with a 60-month term at 8.49% APR, the approximate monthly payment will be $205.00.

2 – Interest begins to accrue on the day funds are disbursed.

3 – Line of credit subject to credit approval. Advertised “as low as rate” APR assumes excellent credit history. Your actual APR may vary based on loan type, your credit history, ability to repay, approved loan amount, term, and applicable discounts. Not all applicants will qualify for the lowest rate. Rates, terms and conditions are subject to change without notice. $25.00 loan processing fee for personal loans.

4 – APY = Annual Percentage Yield. Checking Bonus: $100.00 “bonus” is valid for a newly established checking account after 12/11/2021 using promo code “SWITCH” at account opening. To qualify for the $100.00 bonus the following transactions must be completed in the three (3) consecutive months after account opening: at least one (1) deposit of $25.00 or more and two (2) debit card purchases per calendar month. Once qualifying transactions have been made and are verified, the $100.00 bonus will be credited to the checking account within 140 days of account opening. Basic checking accounts do not earn dividends. Secure Checking accounts earn 0.05% APY — effective as of 12/11/2021– on account balances over $1,500. Fees may reduce earnings. Certain restrictions apply, limited time offer expires 12/31/2022. All program rates, offers, terms and conditions are subject to change without notice. Promotional funds may be subject to 1099 reporting. Any applicable taxes are the responsibility of the member.

5 – To earn $200 in dividends you will need to fund a New Member Certificate with $10,000. Assumes 2.00% APY and a $10,000 deposit will remain in the account until maturity. Penalty for early withdrawal. Visit AmericasChristianCU.com/GetStarted for full product details.

New Member Certificate: Minimum deposit is $1,000. Minimum deposit required to earn dividends 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. Offer is available to new members, or members who have not held, or closed, an ACCU: savings, term share certificate, money market, or loan account. Limit one new member certificate per household. Rate quoted as of 12/15/2021 and subject to change or discontinue without notice. 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. Dividends earned may be subject to 1099 reporting. Any applicable taxes are the responsibility of the member.

6 – APY = Annual Percentage Yield and is accurate as of 12/15/2021. Visit AmericasChristianCU.com/Personal/Rates for current details. All program rates, offers, terms and conditions are subject to change without notice. Early withdrawal penalties do apply which may reduce the principal.

7 – The Introductory Offer of 12,500 bonus rewards points when opening a new VISA® Signature Rewards Credit Card can be redeemed in the CURewards portal. Rewards points can be redeemed for cashback, travel, merchandise, and gift cards. 2,500 bonus points can be redeemed for $25 cash back. VISA® Signature Rewards Card issuance is contingent on approved credit, and rates offered are based on credit-worthiness. Minimum FICO score of 660 is required. Minimum credit line of $5,000. Applicants who do not qualify for the VISA® Signature Rewards Card may be approved for a VISA® Platinum or Share-Secured VISA® credit card. Not all applicants will qualify for the best rate. All program rates, offer, terms and conditions are subject to change without notice. Certain restrictions apply. Offer not valid for existing ACCU credit card holders, or cardholders who have closed their accounts in the past 24 months. One offer per household. Visit AmericasChristianCU.com/VisaSignature for full list of disclosures and applicable fees.

8 – 90 day period begins from the issuance date of the credit card. Offer for consumer only.