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Industry-Leading Savings Rates
Are you a serious saver? If so, our High-Yield Savings Account is tailored just for you. Watch your savings grow with top-tier rates that outperform the national average2.
Plus, at ACCU your deposits are federally insured by the National Credit Union Share Insurance Fund (NCUSIF) for up to $250,000. Excess coverage at America’s Christian Credit Union (ACCU) provided by American Share Insurance (ASI) for up to an additional $200,000.
| Product | Minimum Deposit to Open Account | Minimum Balance to Earn Dividends | Dividend Rate | APY1,5 | Rate Type | Compounded / Paid |
|---|---|---|---|---|---|---|
| High-Yield Savings Balance 1 | $10,000 | $0.01 - $10,000 | 4.91% | 5.00% | Variable | Quarterly |
| High-Yield Savings Balance 2 | $10,000 | $10,000.01 - $300,000 | 3.70% | 3.75% | Variable | Quarterly |
| High-Yield Savings Balance 3 | - | $300,000.01 - $499,999.99 | 0.50% | 0.50% | Variable | Quarterly |
| High-Yield Savings Balance 4 | - | $500,000.00 and up | 0.50% | 0.50% | Variable | Quarterly |
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.
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 (message and data rates may apply)
- 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 (message and data rates may apply)
- 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
What is a high-yield savings account?
A high-yield savings account is a deposit account that earns dividends. This account can be used to save for things like a car, large purchases, emergencies, and more.
Is there a monthly fee for a high-yield savings account?
Our high-yield savings account has a monthly service fee of $4.95, which can be waived if your minimum account balance is $10,000 or more. There is also a $3.00 paper statement fee per month, which can be waived when you sign up for eStatements. Lastly, this account is limited to six (6) transfers/withdrawals per calendar month; a fee of $10.00 per additional withdrawal/transfer during the same month may be incurred.
Is there a minimum deposit amount or other requirements to open a high-yield savings account?
Yes, a high-yield savings account must be opened with new money. This can be satisfied by an external transfer from another organization or the proceeds from a maturing ACCU term share certificate. The minimum deposit required to open an account is $10,000. It’s limited to one account per member and cannot be opened in the name of either a revocable or irrevocable trust.
Can I open a savings account online?
Yes, you can apply online and get started in minutes!
Do I need to be an America’s Christian Credit Union member to open a high-yield savings account?
Yes, you will need to become a member or already have membership established to open a high-yield savings account at ACCU. It is a government requirement that we both create membership and collect certain information to help prevent fraud and combat terrorism.
How can I access my accounts?
Our mobile app and online banking services make it easy to access your account anytime and anywhere. Transfer funds, send and receive money, pay bills or deposit checks right from your phone. And, of course, there are over 5,600 shared-branching locations, and a network of more than 30,000 CO-OP ATMs nationwide3. View all locations here.
Can I deposit a check with my phone?
Yes! You will need an ACCU checking account to deposit a check and transfer the proceeds into your high-yield savings account. You can deposit a check in seconds using Remote Deposit in the ACCU mobile app, which is available in the Google Play Market and Apple App Store. Click here to learn more.
1 – APY = Annual Percentage Yield (APY) and is accurate as of 10/15/2024. APY assumes original balance and earnings remain on deposit and rate holds constant for 365 days. This offer is available to members using new funds to America’s Christian CU and must be established using external funding source within 7 days of account opening; OR members using proceeds from a maturing ACCU term share certificate on the stated renewal maturity date or up to seven days following the stated maturity date. Limit one high-yield savings account per member. The interest rate and APY will be based on your balance as listed on the rate table at AmericasChristianCU.com/HYS-Rates. Actual APY earned is dependent on daily deposit balance and may result in a blended rate. High-yield balances as listed on the rate table may fluctuate based on market conditions. The rate may change after the account is opened. The minimum balance to open a high-yield savings account is $10,000. If the account balance drops below $10,000, the account may incur a maintenance fee per the fee schedule. This offer is for new funds or funds deposited less than 30 days prior to opening the high-yield savings account. This account is not available to be opened in the name of a revocable or irrevocable trust. This account is limited to six (6) transfers/withdrawals per calendar month. A fee of $10.00 per additional withdrawal/transfer during the same month may be incurred. Fees may reduce earnings on the account. Offers, rates, terms and conditions are subject to change or discontinue without notice. Certain restrictions apply. New members must qualify for membership and must pay a $2 membership fee.
2 – Statement as of 10/23/2024 as seen on DepositAcounts.com comparing National Credit Union Administration and Federal Deposit Insurance Corporation financial institutions' Online Savings Account Yield Index.
3 – Via Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations.
4 – Online Banking, E-Statements, Online Bill Pay, and Mobile Banking are free services provided by America’s Christian Credit Union. Message and data rates may still apply.
5 – Tier 1 rate offer valid until 01/01/2025, thereafter subject to change as market conditions fluctuate.