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America's Christian CU
America's Christian Credit Union
Where You Bank Matters
ACCU is a co-operative of believers pooling resources together to support a biblical worldview and the greater body of Christ
Stronger Together

“As each has received a gift, use it to serve one another, as good stewards of God’s varied grace.” – 1 Peter 4:10 (ESV)

For many years, we have partnered with individuals and organizations in ministry building across the country. And now, we would be honored and excited to continue that tradition with you. We invite you to join the ACCU family and become a member. With your ACCU membership, you will have access to competitive returns on deposits and low rate personal loans and access to a nationwide network of 5,600 shared branches and 30,000 surcharge-free ATMs1.

Earn up to $325 When You Switch to ACCU

Earn $100 when you open a Checking account with qualifying activities2

  • Open a Secure Checking or Basic Checking account using promo code “SWITCH
  • Make at least one (1) deposit of $25.00 or more per calendar month
  • Make at least two (2) debit card purchases per calendar month

Earn up to $100 in dividends when you open a New Member Certificate3

  • Open a New Member Certificate and deposit up to $5,000
  • Earn $100 in dividends at an APY4 of 2.00%

Earn up to $125 in Cash Back with an introductory offer for ACCU’s VISA® Signature Rewards Credit Card5

  • Earn 2,500 points for your first card transaction
  • Earn 10,000 points for spending $3,000 in the first 90 days6
  • Rewards points may be redeemed for Cash Back

Checking & Savings

Basic Checking

The basics with no monthly service fee or minimum monthly balance requirement

Secure Checking

Discounts on financial services, travel, and more while keeping your finances safe

Varsity / Student Checking

No monthly maintenance fees and access to mobile banking and remote check deposit

Regular Share/Savings

Take your financial goals head-on and prepare for any financial emergencies

Youth / Varsity Savings

Establish good saving habits early with this starter account for children up to age 17

Loans

Auto Loans

We can help tailor a solution that will fit your needs and budget for new and used vehicles

Home Equity Line of Credit (HELOC)

Providing low-interest funding for scheduled improvements or to cover other expenses

Education Loans

Providing lower rates and fees on student and parent loans to meet your needs

Adoption Loans

Adopting a child into a loving home is one of the highest callings believers can undertake

Signature Loans

An easy and efficient loan so you can borrow what you need to help pay for everyday expenses

Invest & Save

Individual Retirement Accounts (IRAs)

Higher dividend rates than a regular savings account plus easy access to your money

Money Market Account

Ideal for members with larger balances who need limited access to their money

Term Share Certificates

A great way to earn competitive dividends on safe, long-term investments

Christmas Club

A convenient way to put money away and earn interest faster than a regular savings account

Vacation Club

Designed to help you meet your special “getaway” savings goals quicker

Credit Cards

VISA® Signature Rewards Credit Card

Earn cashback or rewards points redeemable for travel, merchandise or gift cards

VISA® Platinum Rewards Credit Card

Give back and earn rewards points redeemable for travel, merchandise, or gift cards

VISA® Platinum Credit Card

Featuring our lowest rate and no annual fee — plus no hidden fees or expensive extras

Compare Credit Cards

We offer three credit cards to choose from — let us help find the card that is right for you

ACCU Cards App

Take control of your ACCU cards by managing account balances, making payments, and more

Services

Online Banking

This free service gives you real-time access to all of your ACCU accounts anytime

Mobile Banking

Giving you real-time access to take ACCU banking with you wherever you go

Loan Protection

Offering you the opportunity to protect yourself and your family through debt protection

Overdraft Coverage

Protection from denied transaction or worse with overdraft protection services

Skip-a-Payment

Allowing you to defer payments when unforeseen costs arise such as medical bills

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
Online & Mobile Banking
With the ACCU Online Banking and Mobile App, you can conveniently manage your money with access to your account anywhere, anytime.
  • 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
  • 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
  • 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
Awards & Achievements
Join ACCU Today
From a member’s first savings account through retirement, we’re here to be your life-long financial partner. Join ACCU and discover banking with a financial partner who understands your faith and moves you forward. Because we are Stronger Together!

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

2 – APY = Annual Percentage Yield. Checking Bonus: $100.00 “bonus” is valid for a newly established checking account after 02/11/2021 using promo code “SWITCH” at account opening. To qualify for the $100.00 bonus the following transactions must be completed in the three (3) consecutive months after account opening: at least one (1) deposit of $25.00 or more and two (2) debit card purchases per calendar month. Once qualifying transactions have been made and are verified, the $100.00 bonus will be credited to the checking account within 140 days of account opening. Basic checking accounts do not earn dividends. Secure Checking accounts earn 0.05% APY — effective as of 4/1/2021– on account balances over $1,500. Fees may reduce earnings. Certain restrictions apply, limited time offer expires 12/31/2021. All program rates, offers, terms and conditions are subject to change without notice. Promotional funds may be subject to 1099 reporting. Any applicable taxes are the responsibility of the member.

3 – To earn $100 in dividends you will need to fund a New Member Certificate with $5,000. Assumes 2.00% APY and a $5,000 deposit will remain in the account until maturity. Penalty for early withdrawal. Visit AmericasChristianCU.com/GetStarted for full product details.

New Member Certificate: Minimum deposit is $1,000. Minimum deposit required to earn dividends is $1,000. Maximum deposit is $5,000. Early withdrawal penalties do apply which may reduce the principal. No additional deposits can be made during the term of the New Member Term Share Certificate. Offer is available to new members, or members who have not held, or closed, an ACCU: savings, term share certificate, money market, or loan account. Limit one new member certificate per household Rate quoted as of 3/1/2021 and subject to change or discontinue without notice. 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. Dividends earned may be subject to 1099 reporting. Any applicable taxes are the responsibility of the member.

4 – APY = Annual Percentage Yield and is accurate as of 02/02/2021. Visit AmericasChristianCU.com/Personal/Rates for current details. All program rates, offers, terms and conditions are subject to change without notice. Early withdrawal penalties do apply which may reduce the principal.

5 – The Introductory Offer of 12,500 bonus rewards points when opening a new VISA® Signature Rewards Credit Card can be redeemed in the CURewards portal. Rewards points can be redeemed for cashback, travel, merchandise, and gift cards. 2,500 bonus points can be redeemed for $25 cash back. VISA® Signature Rewards Card issuance is contingent on approved credit, and rates offered are based on credit-worthiness. Minimum FICO score of 660 is required. Minimum credit line of $5,000. Applicants who do not qualify for the VISA® Signature Rewards Card may be approved for a VISA® Platinum or Share-Secured VISA® credit card. Not all applicants will qualify for the best rate. All program rates, offer, terms and conditions are subject to change without notice. Certain restrictions apply. Offer not valid for existing ACCU credit card holders, or cardholders who have closed their accounts in the past 24 months. One offer per household. Visit AmericasChristianCU.com/VisaSignature for full list of disclosures and applicable fees.

6 – 90 day period begins from the issuance date of the credit card. Offer for consumer only.