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New Member
Term Share Certificate
Lock in the Nation’s Top 12-Month Certificate Rate2 Before It Drops!
New Member Certificate Benefits
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Unlock Exclusive Savings with Our New Member Certificate
Start your ACCU membership strong with a high-yield savings opportunity designed just for new members. For a limited time, enjoy a guaranteed 4.75% APY1 on a 12-month certificate, available only during your first 60 days of membership!
New Member Certificate Benefits:
- 4.75% APY1 for a 12-month term
- $1,000 minimum deposit
- $1,000,000 maximum deposit
- No monthly maintenance fees3
Why Choose ACCU?
With ACCU, you’re not just saving; you’re joining a community that puts your financial well-being first. This exclusive certificate is the perfect way to start your journey with us.
Your Money is Safe and Federally Insured
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 (NCUA), an independent agency of the United States Government. Your deposits are insured by the NCUA up to $250,000 per depositor, per ownership category, 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. Excess share insurance provided by ASI is not federally insured and is not guaranteed by the federal government.
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Term Share Certificate Calculator
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.
New Member Certificate FAQ
What is a New Member Certificate?
A New Member Certificate is a Term Share Certificate (TSC) specifically designed for new ACCU members. A TSC is a savings product that you can invest your money in and withdraw with interest at maturity, similar to Certificates of Deposit (CD) you might find at a bank. A TSC pays higher interest rates over a fixed period of time, known as a term, for a guaranteed return. When you place funds you don’t immediately need into a TSC, you can earn higher dividends without daily management or fees. All ACCU certificates are insured up to $250,000 by the NCUA (National Credit Union Administration).
Is there a minimum deposit required to open a New Member Certificate?
Yes, there is a $1,000 minimum deposit required at account opening. Whether you are coming to us as an experienced saver or just starting, a TSC is a perfect way to earn interest while keeping your money safe and secure.
Is there a penalty for early withdrawal?
Yes, there is a penalty for withdrawal. See America’s Christian Credit Union’s Truth In Savings for full details. Early withdrawal penalties may reduce earnings and could reduce principal.
Related Products
1 – APY = Annual Percentage Yield. APY is the percentage reflecting the total amount of interest that could be paid on an account based on the interest rate and frequency of compounding. APY assumes original balance and earnings remain on deposit and rate holds constant for 365 days. Penalty for early withdrawal. Minimum deposit to earn the stated APY is $1,000; maximum deposit is $1,000,000. Early withdrawal penalties do apply which may reduce the principal and reduce earnings. No additional deposits can be made during the term of the New Member Term Share Certificate. Must be opened within 60 days of account opening; or by a member who has not held, or closed, an ACCU: savings, term share certificate, money market, or loan account. At maturity, the promotional Term Share Certificate will renew as a traditional Term Share Certificate for another 12-month term at the prevailing rate unless we are notified prior to or within 7 days of maturity date. Fees may reduce earnings. All program rates, offers, terms and conditions are subject to change without notice. Certain restrictions apply. Visit AmericasChristianCU.com/PersonalTSCRates for the most up-to-date information. Must qualify for membership. A $2.00 membership fee may apply for new memberships established or added onto accounts as a joint applicant.
2 – As compared to 12-month certificates ranging from $1,000 – $1,000,000 amongst federally insured financial institutions (FDIC & NCUA) as published on depositaccounts.com as of 07/01/2025.
3 – Statement fee is waived with enrollment in free electronic statement service. Otherwise, a monthly paper statement fee of $4.00 will apply. See consumer fee schedule for full list of applicable fees.