America's Christian Credit Union

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America's Christian CU

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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 80% appraised value (less the remaining principal owed)

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Auto Loans

Fixed auto loan interest rates as low as 1.99% 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.

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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

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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 80% appraised value (less the remaining principal owed)

Learn More

Auto Loans

Fixed auto loan interest rates as low as 1.99% 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.

Learn More

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

Learn More

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
0% introductory APR is only valid during the first six months from card issuance. 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

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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

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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

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VISA^® Signature Rewards

0% introductory APR and 0% balance transfer for six months
0% introductory APR is only valid during the first six months from card issuance. 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

Learn More

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

Learn More

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

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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.

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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

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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

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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.

Learn More

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

Learn More

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

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Enter to Win $5,000!

To enter the Credit Union Give Back Sweepstakes, simply use your ACCU VISA^® Rewards Credit Card a minimum of 4x per week in order to qualify for the drawing. See full rules for alternate entry method. Sweepstakes ends 10/31/2021.

Get VISA

About Sweepstakes

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

Why Choose ACCU

Learn More About Membership

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