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“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 $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
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
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
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
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
Online Banking
This free service gives you real-time access to all of your ACCU accounts anytime
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
Union is used to provide loan assistance to churches and ministries to build:
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
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.