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America's Christian CU
America's Christian Credit Union
Stronger Together.
Discover banking with a financial partner who understands your faith and moves your mission forward.
Stronger You
Personal banking made easy. From checking accounts to personal loans to IRAs, ACCU has financial tools for all your family’s needs.
Whether you are in need of money for large purchases or emergencies, we are with you every step of the way.
Home Equity Line of Credit (HELOC)
  • Variable rate of 3.25% APR
    APR = Annual Percentage Rate
  • 0.25% discount with automatic payments
  • Option of 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 70% appraised value (less the remaining principal owed)
Auto Loans
  • Fixed auto loan interest rates as low as 2.49% 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.
Personal Loans
  • Borrow up to $30,000
  • Streamlined application process
  • Skip-a-Payment option available
  • Setup payments on Auto-Pay
  • Loan Protection Services available
  • Low, competitive rates with flexible terms
Home Equity Line of Credit (HELOC)
  • Variable rate of 3.25% APR
    APR = Annual Percentage Rate
  • 0.25% discount with automatic payments
  • Option of 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 70% appraised value (less the remaining principal owed)
Auto Loans
  • Fixed auto loan interest rates as low as 2.49% 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.
Personal Loans
  • Borrow up to $30,000
  • Streamlined application process
  • Skip-a-Payment option available
  • Setup payments on Auto-Pay
  • Loan Protection Services available
  • Low, competitive rates with flexible terms
No Annual Fee, Low Rates, 0% Intro APR for 6 Months On All Our Credit Cards
VISA® Signature Rewards
  • 0% introductory APR and 0% balance transfer for six months
    Thereafter, the APR will be as low as 10.40% (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
  • 1.25 points per $1 spent on purchases
  • 2.50 points per $1 spent at charitable organizations
  • No Annual Fee
VISA® Platinum Rewards
  • 0% introductory APR and 3.9% balance transfer for six months
    APR = Annual Percentage Rate
  • Portion of every purchase gives back to Christian ministries
  • Set up payments on Auto-Pay
  • Eligible for Visa Rewards
  • No Annual Fee
VISA® Platinum
  • 0% introductory APR and 3.9% balance transfer for six months
    APR = Annual Percentage Rate
  • Portion of every purchase gives back to Christian ministries
  • VISA Purchase Alerts available
  • Travel notifications available
  • No Annual Fee
VISA® Signature Rewards
  • 0% introductory APR and 0% balance transfer for six months
    Thereafter, the APR will be as low as 10.40% (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
  • 1.25 points per $1 spent on purchases
  • 2.50 points per $1 spent at charitable organizations
  • No Annual Fee
VISA® Platinum Rewards
  • 0% introductory APR and 3.9% balance transfer for six months
    APR = Annual Percentage Rate
  • Portion of every purchase gives back to Christian ministries
  • Set up payments on Auto-Pay
  • Eligible for Visa Rewards
  • No Annual Fee
VISA® Platinum
  • 0% introductory APR and 3.9% balance transfer for six months
    APR = Annual Percentage Rate
  • Portion of every purchase gives back to Christian ministries
  • VISA Purchase Alerts available
  • Travel notifications available
  • No Annual Fee
Personal Savings, Checking, and Investment Options
Secure Checking
  • Earn dividends on balances over $1,500
  • Monitor your identity with a monthly 3-1 credit report, 3-in-1 credit file, and identity protection services.
  • Save money at thousands of local and national businesses. (Including online purchases!)
  • Receive 1 free box of checks per year.
Money Market Account
  • Earn competitive dividends on balance of $2,500 or more
  • No monthly service fee
  • Up to 6 free withdrawals per month
  • $2,500 minimum deposit to open
Term Share Certificates
  • Terms ranging from 90 days – 60 months
  • Guaranteed, fixed rate for term selected (from 3 months – 60 months)
  • $1,000 minimum deposit to open
  • No monthly maintenance fees
Secure Checking
  • Earn dividends on balances over $1,500
  • Monitor your identity with a monthly 3-1 credit report, 3-in-1 credit file, and identity protection services.
  • Save money at thousands of local and national businesses. (Including online purchases!)
  • Receive 1 free box of checks per year.
Money Market Account
  • Earn competitive dividends on balance of $2,500 or more
  • No monthly service fee
  • Up to 6 free withdrawals per month
  • $2,500 minimum deposit to open
Term Share Certificates
  • Terms ranging from 90 days – 60 months
  • Guaranteed, fixed rate for term selected (from 3 months – 60 months)
  • $1,000 minimum deposit to open
  • No monthly maintenance fees
We're here to serve YOU
We'd love to connect with you. We've got your back.
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
"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
"You guys are wonderful. Like night and day compared to working with a traditional bank."
Thomas B. from Illinois
"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
Online & Mobile Banking
With ACCU 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