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America's Christian CU
America's Christian Credit Union

High-Yield
Savings Account

Are you a serious saver? If so, our High-Yield Savings Account is tailored just for you. Watch your savings grow with our top-tier rates.
Stronger You

Personal banking made easy. From checking accounts to personal loans to IRAs, ACCU has financial tools for all your family’s needs.

Take Advantage Of Our Latest Promotions
High-Yield Savings Account
  • $10,000 minimum deposit to open
  • Earn up to 4.75% APY on balances up to $300,000
    APY = Annual Percentage Yield
  • Earn 0.50% APY on balances in excess of $300,000
  • Dividends paid quarterly
  • Other terms and conditions apply
Pick Your Term Share Certificate
  • Open a certificate for 3, 6 or 9 months and earn 3.90% APY
    APY = Annual Percentage Yield
  • Guaranteed, fixed rate for term selected
  • $1,000 minimum deposit to open
  • No monthly maintenance fees
  • Dividends paid quarterly
Switch Banks to ACCU & Earn Up to $500
  • Earn $100 when you open a checking + savings account
    The $100 bonus will be credited to the checking account within 140 days of account opening once criteria are met.
  • Earn up to $400 when you open a new member certificate
    To earn $400 in dividends, you will need to fund a New Member Certificate with $10,000 for 12-months. Assumes 4.00% 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. Minimum deposit is $1,000. Minimum deposit required to earn dividends is $1,000. Maximum deposit is $10,000. Early withdrawal penalties do apply. No additional deposits can be made during the term of the New Member Term Share Certificate. Must be opened within 60 days of account opening; or by a member who has not held, or closed, an ACCU: savings, term share certificate, money market, or loan account. Rate quoted as of 01/15/2023 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.
High-Yield Savings Account
  • $10,000 minimum deposit to open
  • Earn up to 4.75% APY on balances up to $300,000
    APY = Annual Percentage Yield
  • Earn 0.50% APY on balances in excess of $300,000
  • Dividends paid quarterly
  • Other terms and conditions apply
Pick Your Term Share Certificate
  • Open a certificate for 3, 6 or 9 months and earn 3.90% APY
    APY = Annual Percentage Yield
  • Guaranteed, fixed rate for term selected
  • $1,000 minimum deposit to open
  • No monthly maintenance fees
  • Dividends paid quarterly
Switch Banks to ACCU & Earn Up to $500
  • Earn $100 when you open a checking + savings account
    The $100 bonus will be credited to the checking account within 140 days of account opening once criteria are met.
  • Earn up to $400 when you open a new member certificate
    To earn $400 in dividends, you will need to fund a New Member Certificate with $10,000 for 12-months. Assumes 4.00% 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. Minimum deposit is $1,000. Minimum deposit required to earn dividends is $1,000. Maximum deposit is $10,000. Early withdrawal penalties do apply. No additional deposits can be made during the term of the New Member Term Share Certificate. Must be opened within 60 days of account opening; or by a member who has not held, or closed, an ACCU: savings, term share certificate, money market, or loan account. Rate quoted as of 01/15/2023 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.
Loans for New or Used Vehicles — Or Refinance Your Existing Auto Loan
New or Used Auto Loans
  • Fixed auto loan interest rates as low as 5.49% APR
    APR = Annual Percentage Rate
  • Terms up to 84 months (7 Years)
  • Pre-Approvals for additional buying power
  • 0.50% rate discount with automatic payments
  • First payment deferral up to 90 days
    Must be requested by the borrower. Interest will continue to accrue during this period. Repayment of the loan is still subject to the number of installments chosen at time of funding.
Auto Loan Refinancing
  • Fixed auto loan interest rates as low as 5.74% APR
    APR = Annual Percentage Rate
  • Lower your car loan interest rate and monthly payments
  • Run a quick FREE check to see flexible financing options
  • Pre-approvals for additional buying power
Other Auto Loans Available
  • Motorhomes & Trailers
  • Recreational Vehicles (RV)
  • Boats
  • Motorcycles
  • UTVs/Side by Sides
New or Used Auto Loans
  • Fixed auto loan interest rates as low as 5.49% APR
    APR = Annual Percentage Rate
  • Terms up to 84 months (7 Years)
  • Pre-Approvals for additional buying power
  • 0.50% rate discount with automatic payments
  • First payment deferral up to 90 days
    Must be requested by the borrower. Interest will continue to accrue during this period. Repayment of the loan is still subject to the number of installments chosen at time of funding.
Auto Loan Refinancing
  • Fixed auto loan interest rates as low as 5.74% APR
    APR = Annual Percentage Rate
  • Lower your car loan interest rate and monthly payments
  • Run a quick FREE check to see flexible financing options
  • Pre-approvals for additional buying power
Other Auto Loans Available
  • Motorhomes & Trailers
  • Recreational Vehicles (RV)
  • Boats
  • Motorcycles
  • UTVs/Side by Sides
Access Your Home's Equity When You Need It
3-Year Re-Price HELOC
  • Lock in a low rate for 3 years
  • Variable rates as low as 9.50% APR
    APR = Annual Percentage Rate
  • Refinance a HELOC you may have somewhere else
Annual Adjustable HELOC
  • Variable rates as low as 9.00% APR
    APR = Annual Percentage Rate
  • 0.25% discount with automatic payments and optional no payments for 90 days
    Must be requested by the borrower. Interest will continue to accrue during this period. Repayment of the loan is still subject to the number of installments chosen at time of funding.
  • Borrow amount up to 80% appraised value (less the remaining principal owed)
Quarterly Adjustable HELOC
  • Variable rates as low as 8.50% APR
    APR = Annual Percentage Rate
  • 0.25% discount with automatic payments and optional no payments for 90 days
    Must be requested by the borrower. Interest will continue to accrue during this period. Repayment of the loan is still subject to the number of installments chosen at time of funding.
  • Borrow amount up to 80% appraised value (less the remaining principal owed)
3-Year Re-Price HELOC
  • Lock in a low rate for 3 years
  • Variable rates as low as 9.50% APR
    APR = Annual Percentage Rate
  • Refinance a HELOC you may have somewhere else
Annual Adjustable HELOC
  • Variable rates as low as 9.00% APR
    APR = Annual Percentage Rate
  • 0.25% discount with automatic payments and optional no payments for 90 days
    Must be requested by the borrower. Interest will continue to accrue during this period. Repayment of the loan is still subject to the number of installments chosen at time of funding.
  • Borrow amount up to 80% appraised value (less the remaining principal owed)
Quarterly Adjustable HELOC
  • Variable rates as low as 8.50% APR
    APR = Annual Percentage Rate
  • 0.25% discount with automatic payments and optional no payments for 90 days
    Must be requested by the borrower. Interest will continue to accrue during this period. Repayment of the loan is still subject to the number of installments chosen at time of funding.
  • Borrow amount up to 80% appraised value (less the remaining principal owed)
Enjoy No Annual Fee & Low Rates On All Our Credit Cards
Visa® Signature Rewards
  • 0% introductory APR and 0% balance transfer for 6 months
    0% introductory APR is only valid during the first 6 months from card issuance. Thereafter, the APR will be as low as 15.40% (APR = Annual Percentage Rate)
  • Earn 2,500 bonus points after first purchase
  • Earn another 12,500 bonus points after spending $3,000 within 3 months
  • Earn points on purchases and donations
  • No Annual Fee
Visa® Platinum
  • 0% introductory APR and 3.9% balance transfer for 6 months
    APR = Annual Percentage Rate
  • Portion of every purchase gives back to Christian ministries
  • Set up payments on Auto-Pay
  • Low rate and low minimum credit limit
  • No Annual Fee
ACCU Cards App
  • View & Filter Transactions
  • View Payments and Due Dates
  • Make Payments
  • Lock & Report Lost/Stolen Cards
  • Setup Alerts & Controls
  • Available for your Apple iOS or Android mobile device
Visa® Signature Rewards
  • 0% introductory APR and 0% balance transfer for 6 months
    0% introductory APR is only valid during the first 6 months from card issuance. Thereafter, the APR will be as low as 15.40% (APR = Annual Percentage Rate)
  • Earn 2,500 bonus points after first purchase
  • Earn another 12,500 bonus points after spending $3,000 within 3 months
  • Earn points on purchases and donations
  • No Annual Fee
Visa® Platinum
  • 0% introductory APR and 3.9% balance transfer for 6 months
    APR = Annual Percentage Rate
  • Portion of every purchase gives back to Christian ministries
  • Set up payments on Auto-Pay
  • Low rate and low minimum credit limit
  • No Annual Fee
ACCU Cards App
  • View & Filter Transactions
  • View Payments and Due Dates
  • Make Payments
  • Lock & Report Lost/Stolen Cards
  • Setup Alerts & Controls
  • Available for your Apple iOS or Android mobile device
Online & Nationwide Banking
With ACCU's Online Banking and Mobile App, you can conveniently manage your money with access to your account anywhere, anytime.
  • Save time and money
  • Available 24/7 from anywhere
  • Set up helpful email alerts
  • Highest level of security
  • Eliminate paper waste
  • Simplify recordkeeping
  • Reduce chance of identity theft
  • Arrive faster than paper statements
  • Fast, free, and easy
  • Online Banking in palm of hand
  • Available 24/7 from anywhere
  • Set up helpful email alerts
  • Over 5,600 branch locations
  • Make deposits, withdrawals, and more
  • Easy online branch locators
  • Locate by phone or mobile app
  • Over 30,000 ATM locations nationwide
  • Partnered with the CO-OP network
  • Search for ATMs online
  • Withdraw cash and more
  • Save time and money
  • Available 24/7 from anywhere
  • Set up helpful email alerts
  • Highest level of security
  • Eliminate paper waste
  • Simplify recordkeeping
  • Reduce chance of identity theft
  • Arrive faster than paper statements
  • Fast, free, and easy
  • Online Banking in palm of hand
  • Available 24/7 from anywhere
  • Set up helpful email alerts
  • Over 5,600 branch locations
  • Make deposits, withdrawals, and more
  • Easy online branch locators
  • Locate by phone or mobile app
  • Over 30,000 ATM locations nationwide
  • Partnered with the CO-OP network
  • Search for ATMs online
  • Withdraw cash and more
Financial Strength for the Whole Church
With a wide Field of Membership, each dollar invested at America’s Christian Credit
Union is used to provide loan assistance to churches and ministries to build:
What Our Members Are Saying
"You guys are wonderful. Like night and day compared to working with a traditional bank."
Thomas B. from Illinois
"Wow, this has been the best banking experience and the help and communication from opening our accounts to assisting with the PPP process. Thank you ACCU team, we are glad to be in the family!"
Walter H. from California
"Every step of the way I had a real person to talk with. The communications were clear and easy to follow and I felt like each person really cared. I got my PPP loan in one week! That is amazing."
Monica S. from Arizona
"Every phone call and email contact I encountered was handled quickly, professionally, and with care and courtesy. Also, everyone communicates with a 'personal' touch that feels more like family rather than just a client or business relationship."
Gloria G. from New York
"We have a true partner in ACCU! Representatives from the bank take a personal approach with us, and it is clear that they genuinely care about our mission and success. Communications are prompt and forthright, and their processes are easy to follow."
Jeff B. from California
"Over thirty years of working with America's Christian Credit Union has been a partnership of trust and security. We find a spirit of helpfulness and would recommend this Credit Union to others."
Delphine M. from Tennessee
"Working with ACCU was a fast and painless process. All the agents were friendly and helpful. ACCU communicated to me with each step along the way... 10/10!"
Matthew B. from Pennsylvania
We're here to serve YOU
We'd love to connect with you. We've got your back.
Awards & Achievements