“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 $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 $200 in dividends when you open a New Member Certificate3
- Open a New Member Certificate and deposit up to $10,000
- Earn $200 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

Varsity / Student Checking
No monthly maintenance fees and access to mobile banking and remote check deposit

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

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

Individual Retirement Accounts (IRAs)
Higher dividend rates than a regular savings account plus easy access to your money

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

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

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 02/01/2022 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 02/01/2022– on account balances over $1,500. Fees may reduce earnings. Certain restrictions apply, limited time offer expires 12/31/2022. 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 $200 in dividends you will need to fund a New Member Certificate with $10,000. Assumes 2.00% APY and a $10,000 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 $10,000. 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 02/01/2022 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 02/01/2022. 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.