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America's Christian CU
America's Christian Credit Union

Where You Bank Matters

Join America's Christian Credit Union (ACCU) — a co-operative of believers pooling resources together to support a biblical worldview and the greater body of Christ.
More Than a Banking Institution

ACCU has been providing financial services to Christian individuals and ministries for over 60 years with the aim of supporting: church expansion, ministry building, Christian schools, assisting small businesses, and supporting individuals and families by way of high-rate deposit accounts and low-rate lending services.

From a member’s first savings account through retirement, we want to walk alongside you as you pursue your financial goals. Whether you are looking to bank, borrow, or invest, our great rates and quality products are designed to fit your needs. Join ACCU and discover banking with a financial partner who understands your faith and moves you forward. Because we are Stronger Together!

Why Join ACCU?
Our mission is to serve the whole church, which means we offer personal financial services and business banking services to churches, ministries, Christian schools and universities, and Christian business owners across the United States. Then, our members' funds are reinvested to expand churches, ministries, and families.
  • $47,400,000+ invested in Christian-owned businesses in 20211
  • $43,800,000+ invested in domestic and international adoption financing since 20091
  • $33,600,000+ invested in church and ministry financing in 20211
  • $23,500,000+ invested in Christian school campus financing to date1
  • Click to read more in our latest annual report
We have partnered with credit unions nationwide via the CO-OP network. You can use any network branch or ATM just like you were at ACCU. Plus, use your computer or mobile device to log in to your account anytime with ACCU’s online banking and mobile banking app2.
  • 30,000+ Surcharge-free ATMs2
  • 5,600+ Shared Branches2
  • 24/7 access with online & mobile banking3
  • Find an ATM near you
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. Members of ACCU 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 ACCU only applies to qualifying personal checking, savings, TSC and IRA accounts and to qualifying business/church accounts.
Through Love My Credit Union Rewards, credit union members have saved over $2 billion with offers like:
  • Savings up to $15 on TurboTax federal products.
  • Exclusive discount from the TruStage Home & Auto Insurance Program.
  • Save 40% on a 1-year membership to Sam’s Club.
  • Build your credit history with rent and save up to 30% with Rental Kharma.
  • Save $40 on Calm, the #1 app for meditation and sleep.
  • Save on your Travel and Entertainment needs like Car Rentals, Hotels, Theme Parks, and Movie Tickets
  • See more benefits
Our mission is to serve the whole church, which means we offer personal financial services and business banking services to churches, ministries, Christian schools and universities, and Christian business owners across the United States. Then, our members' funds are reinvested to expand churches, ministries, and families.
  • $47,400,000+ invested in Christian-owned businesses in 20211
  • $43,800,000+ invested in domestic and international adoption financing since 20091
  • $33,600,000+ invested in church and ministry financing in 20211
  • $23,500,000+ invested in Christian school campus financing to date1
  • Click to read more in our latest annual report
We have partnered with credit unions nationwide via the CO-OP network. You can use any network branch or ATM just like you were at ACCU. Plus, use your computer or mobile device to log in to your account anytime with ACCU’s online banking and mobile banking app2.
  • 30,000+ Surcharge-free ATMs2
  • 5,600+ Shared Branches2
  • 24/7 access with online & mobile banking3
  • Find an ATM near you
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. Members of ACCU 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 ACCU only applies to qualifying personal checking, savings, TSC and IRA accounts and to qualifying business/church accounts.
Through Love My Credit Union Rewards, credit union members have saved over $2 billion with offers like:
  • Savings up to $15 on TurboTax federal products.
  • Exclusive discount from the TruStage Home & Auto Insurance Program.
  • Save 40% on a 1-year membership to Sam’s Club.
  • Build your credit history with rent and save up to 30% with Rental Kharma.
  • Save $40 on Calm, the #1 app for meditation and sleep.
  • Save on your Travel and Entertainment needs like Car Rentals, Hotels, Theme Parks, and Movie Tickets
  • See more benefits
Who is Eligible to Join ACCU?

Our online membership application is quick and easy, when you meet any of the following criteria:

  • Churches, ministries, and schools aligned with Wesleyan Christian doctrine and their ministers, employees, members/attendees, officers, teachers, students, and others associated with these organizations.
  • Immediate family members living within the same household as an existing member of America’s Christian Credit Union.
  • Employees of America’s Christian Credit Union.

When you join America’s Christian Credit Union:

  • You become a member/owner – a stakeholder with a vote in what we do.
  • Your accounts are federally insured by the NCUA with added protection provided by ASI.
  • You are eligible to retain your membership for life.

Join our 120,000+ members nationwide and make an eternal impact in people’s lives for the Kingdom.

Personal Membership FAQ

How do I open a deposit account at America’s Christian Credit Union?

It’s quick and easy to open a deposit account when applying for membership from the comfort of your home. Click here to start your application. Then select the deposit account(s) you would like to open and complete your application. One of our membership representatives will process your request and provide instructions for funding the account once your membership has been approved. Already a member? Click here to add an account.

Do I need to be an America’s Christian Credit Union member to apply for a loan?

You don’t need to be a member to start a loan application. However, you’ll need to qualify for and complete membership to finish the process. We are all about a life-long relationship – and there are discounts for automatic payments through our checking accounts – so if you want to get membership started first (it’s quick and easy), click here to start your application.

What information do I need to open an account?

You will need your:

  • Name and ID (driver license, state ID or passport)
  • Physical address
  • Phone number and date of birth
  • Employment status and employer (if employed)
  • Social Security or Taxpayer Identification Number

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, we are always happy to help you at any branch. We have thousands of shared-branching locations nationwide and network with more than 5,600 CO-OP ATMs. Click here to find an ATM near you.

Join ACCU Today
At ACCU, we’re dedicated to providing you with the support you need to reach your financial goals along with personalized and service-oriented banking. Discover banking with a financial partner who understands your faith and moves you forward.

1 – Figures quoted represents America's Christian Credit Union achievements as per the end of the 2021 fiscal year dated 12/31/2021.

2 – Via Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations.

3 – Message and data rates may apply.