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- $5,000 minimum deposit to open for consumer members
- $1,000,000 maximum aggregate balance for consumer members
- New money only1
- No monthly maintenance fees
- Deposits federally insured up to $250,000 with the National Credit Union Administration, excess coverage up to $200,000 with American Share Insurance per individual depositor
National Credit Union Insurance Fund
Your deposits are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is managed by the National Credit Union Administration, an independent agency of the United States Government. Your deposits are insured up to $250,000 per individual account and up to $250,000 for Individual Retirement Accounts.
American Share Insurance
Members of America’s Christian Credit Union with qualifying personal accounts exceeding the maximum level of coverage provided by the NCUA are also insured up to an additional $200,000 by ASI for a total of $450,000 of coverage. And, qualifying business/church accounts exceeding the maximum level of NCUA coverage are also insured up to an additional $100,000 by ASI for a total of $350,000 of coverage. ASI’s additional insurance coverage at America’s Christian Credit Union only applies to qualifying personal checking, savings, TSC and IRA accounts and to qualifying business/church accounts.
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. This is a fixed-rate certificate; the dividend rate will not change during the term of the certificate. A minimum balance is required to open the 10-Month Certificate and to earn dividends.
For consumer members, the 10-Month Certificate has a $5,000 minimum deposit per certificate and a $1,000,000 maximum aggregate balance.
For corporate members, the 10-Month Certificate has a $20,000 minimum deposit per certificate and a $5,000,000 maximum aggregate balance. Existing corporate members are not eligible for the 10-Month Certificate Accounts. Corporate members who have opened their account within the last 60 days are eligible to open a corporate 10-Month Certificate. Corporate members who have opened membership on or after 02/01/2025 are eligible to open a corporate 10-Month Certificate.
Dividends are compounded monthly and credited monthly. Dividends begin accruing on the business day the deposit is received.
Balance Computation Method: We compute the balance in our share accounts to determine the dividends you will be paid by using the daily balance method which applies a daily periodic rate to the balance in your account each day.
Early withdrawal penalties: A penalty may be imposed for withdrawals made before maturity. The penalty may reduce the principal balance.
Funding Restrictions: No additional deposits can be made during the term of the 10-Month Certificate. This offer is for new members and existing members. The account must be funded with new funds or funds deposited less than 30 days prior to opening. Offer valid beginning 02/18/2025. At maturity, the 10-Month Certificate will renew as a traditional 9-Month Certificate 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. New members must qualify for membership and must pay a $2 membership fee.