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America's Christian CU
America's Christian Credit Union

Personal Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Variable rates and yields subject to change after account opening. Rates effective as of today. Rates last updated August 1, 2022. Fees may reduce earnings on share accounts.

Checking

ProductMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / Paid
Basic Checking$15N/AN/AN/AN/AN/A
Varsity / Student Checking$5N/AN/AN/AN/AN/A
Secure Checking$10$1,5000.05%0.05%VariableMonthly

Savings

ProductMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / Paid
Regular Share/Savings$0$1000.10%0.10%VariableQuarterly
Student Savings$0$1000.10%0.10%VariableQuarterly
Youth / Varsity Savings$0$250.15%0.15%VariableQuarterly

Club Accounts

ProductMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / PaidMaximum Balance
Christmas Club$10$100.15%0.15%VariableMonthly$20,0001
Vacation Club$5$50.15%0.15%VariableQuarterly$20,0001

1 – If the balance exceeds $20,000, the rate drops to the Regular Share/Savings rate of 0.10% APY.

Individual Retirement Accounts (IRAs)

Certificates are subject to a penalty for early withdrawal

TermMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / Paid
Share / Savings$50$500.50%0.50%VariableQuarterly
12 Month$500$5001.30%1.31%FixedQuarterly
24 Month$500$5001.35%1.36%FixedQuarterly
36 Month$500$5001.40%1.41%FixedQuarterly
48 Month$500$5001.45%1.46%FixedQuarterly
60 Month$500$5001.50%1.51%FixedQuarterly

Money Market Accounts

ProductMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / Paid
Tier 1$2,5002$2,500 - $49,999.990.40%0.40%VariableMonthly
Tier 2-$50,000 - $99,999.990.50%0.50%VariableMonthly
Tier 3-$100,000 - $249,999.990.60%0.60%VariableMonthly
Tier 4-$250,000 and up0.85%0.85%VariableMonthly

2 – If the balance falls below $2,500, the rate drops to the Regular Share/Savings rate of 0.10% APY

Term Share Certificates

Certificates are subject to a penalty for early withdrawal

TermMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / PaidMaximum BalanceSpecial Terms
3 Month$1,000$1,0000.75%0.75%FixedMonthly--
6 Month$1,000$1,0000.85%0.85%FixedMonthly--
9 Month$1,000$1,0000.95%0.95%FixedMonthly--
12 Month$1,000$1,0001.25%1.26%FixedMonthly--
18 Month$1,000$1,0001.30%1.31%FixedMonthly--
24 Month$1,000$1,0001.35%1.36%FixedMonthly--
36 Month$1,000$1,0001.40%1.41%FixedMonthly--
48 Month$1,000$1,0001.45%1.46%FixedMonthly--
60 Month$1,000$1,0001.60%1.61%FixedMonthly--
Special Offerings

12 Month New Member

 

$1,000$1,0001.98%2.00%FixedMonthly$10,000For new members only. Certain restrictions apply. Learn more.

Personal Loans

ProductLoan TermAPRLoan MinimumLoan Maximum
Signature Loan512 Months7.49%$500$5,000
Signature Loan5Up to 36 Months8.00% - 16.75%$500$30,000
Signature Loan537 - 60 Months8.49% - 17.25%$8,000$30,000
Savings Secured LoanUp to 120 months3% over savings rate$1,000As much as held in savings
Debt ConsolidationUp to 36 Months7.49%$500$10,000
Disaster Relief Loan18 Months6.00%$500$5,000
Overdraft Line of CreditN/A9.50% - 18.00%$500$30,000

5 – Advertised “as low as” APR assumes excellent credit history and maximum rate discount of 0.50% APR for ACH/automatic payment. Not all will qualify for the lowest rate.

Adoption Loans

ProductLoan TermAPRLoan MinimumLoan Maximum
Adoption Loan6Up to 60 Months6.49% - 13.65%$5,000$50,000
Adoption Loan661 - 72 Months7.49% - 14.65%$5,000$50,000
Adoption Loan673 - 84 Months8.49% - 15.40%$5,000$50,000
Adoption Line of CreditUp to 60 Months7.99% - 14.99%$5,000$50,000

6 – Advertised “as low as” APR assumes excellent credit history and maximum rate discount of 0.50% APR for ACH/automatic payment. Not all will qualify for the lowest rate.

Vehicle Loans

ProductLoan TermAPR9Loan MinimumLoan Maximum
New Auto1 - 36 Months2.24% - 16.90%$500$130,000
New Auto37 - 48 Months2.24% - 16.90%$5,000$130,000
New Auto49 - 60 Months2.74% - 16.90%$10,000$130,000
New Auto61 - 72 Months2.74% - 16.90%$15,000$130,000
New Auto73 - 84 Months3.50% - 16.90%$25,000$130,000
Used Auto1 - 36 Months2.49% - 16.90%$500$130,000
Used Auto37 - 48 Months2.49% - 16.90%$5,000$130,000
Used Auto49 - 60 Months2.99% - 16.90%$10,000$130,000
Used Auto61 - 72 Months2.99% - 10.49%$15,000$130,000
Used Auto73 - 84 Months3.75% - 4.49%$25,000$130,000
First Time Auto Buyer1 - 36 Months4.54% - 4.79%$500$15,000
First Time Auto Buyer37 - 48 Months4.74% - 4.99%$500$15,000
First Time Auto Buyer49 - 60 Months5.49% - 5.74%$500$15,000
First Time Auto Buyer61 - 72 Months5.74% - 5.99%$500$15,000
Fresh Start Auto60 Months16.90%$5,000$30,000
Small RVs71 - 60 Months5.74% - 16.75%$500$130,000
Small RVs761 - 72 Months7.25% - 17.45%$10,000$130,000
Small RVs773 - 84 Months7.75% - 18.45%$15,000$130,000
Large RVs81 - 60 Months5.49% - 15.75%$5,000$130,000
Large RVs861 - 72 Months6.75% - 16.75%$20,000$130,000
Large RVs873 - 144 Months7.00% - 18.25%$30,000$130,000

7 – Small Recreational Vehicles (RVs) include Motorcycles, UTVs, Side-by-Sides, ATVs, Dirt Bikes, and Small Watercraft
8 – Large Recreational Vehicles (RVs) include Motorhomes, Trailers, Boats, Van Conversions, and Fifth-Wheels
9 – Advertised “as low as” APR assumes excellent credit history and maximum rate discount of 0.50% APR for ACH/automatic payment. Not all will qualify for the lowest rate.

Education Loans

ProductLoan TermAPRRate TypeLoan MinimumLoan Maximum
Private Student Loan10Up to 25 Years3.50% - 8.25%Variable$1,000$30,000
Graduate Line of Credit1020 or 25 years3.50% - 9.25%Variable$1,000$30,000
Parent Loan115 Years4.62% - 8.25%Fixed$1,000$30,000
Parent Loan1110 Years5.72% - 9.44%Fixed$1,000$30,000
Student Loan Refinance105 Years2.75% - 4.75%Variable$5,000$30,000
Student Loan Refinance1010 Years3.75% - 5.75%Variable$5,000$30,000
Student Loan Refinance1015 Years4.75% - 7.25%Variable$5,000$30,000
Student Loan Refinance105 Years3.30% - 5.90%Fixed$5,000$30,000
Student Loan Refinance1010 Years3.80% - 6.40%Fixed$5,000$30,000
Student Loan Refinance1015 Years5.30% - 7.75%Fixed$5,000$30,000

10 – You can potentially reduce your rate by 0.25% by enrolling in automatic electronic payments during full repayment. The APR will not fall below the floor rate regardless of the index or any additional rate discount.
11 – Advertised “as low as” APR assumes excellent credit history and maximum rate discount of 0.25% APR for ACH/automatic payment. Not all will qualify for the lowest rate.

Home Equity Line of Credit (HELOC)

ProductLoan TermAPR12Loan Minimum
HELOC Quarterly Adjustable30 Years5.50% - 7.50%$20,000
HELOC Annual Adjustable30 Years6.00% - 7.50%$20,000
HELOC 3-Year Re-Price30 Years6.50% - 8.50%$20,000
HELOC Non-Owner Occupied30 Years6.75% - 10.00%$20,000

12 – This HELOC (Home Equity Line of Credit) is a variable rate plan as described in the applicable loan documents. Not all applicants will qualify, and not all applicants will qualify for the lowest rate. APR may vary based on the index rate plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. The current index is 5.50%. APR will not exceed 14.75%. Advertised “as low as” APR assumes excellent credit history, loan-to-value, and maximum rate discount of 0.25% for ACH/automatic payment. Qualification and APR dependent on credit history, debt to income, loan-to-value, ability to repay, homeownership, and other factors. Maximum loan-to-value ratio is 80% for owner-occupied and 70% for non-owner occupied, based on appraisal value. Available to owner and non-owner occupied, single-family dwellings. Minimum line of credit is $20,000. Minimum initial draw is $5,000. Minimum subsequent advance is $1,000. There is a $100 modification fee for existing loans to re-amortize and extend term to 20-year amortization. Adequate property and flood insurance are required, if applicable. Dependent on state regulations: Credit Union will pay all initial closing costs as outlined in the Waived Fee Addendum. The Credit Union will pay up to $375 for the Home Appraisal; the homeowner is responsible for the remaining balance. If the HELOC is paid off and closed within 36 months of the original note date, the fees will be added to your Account Balance and the entire amount (including any Beneficiary’s Demand) must be paid prior to the issuance of a reconveyance or lien release. Closing costs (title fees, appraisal fees, survey fees, miscellaneous municipality fees, etc.) range from $750-$1500. Rates, terms, and conditions are subject to change or discontinue at any time, without notice. For a $50,000 Home Equity Line of Credit, Quarterly Adjustable, with 80% Loan to Value at 6.00% APR, the monthly payment will be approximately $302. There is a discount of 0.25% applied to automatic payments through an ACCU checking account or external account for the life of the loan. If automatic payments are stopped, the discount will not apply. Discount will apply after the introductory period. HELOC product is not available in Texas.

Credit Cards

Card TypeAPRMinimum Credit Line AvailableMaximum Credit Line AvailableAdditional Details
Visa® Signature Rewards11.65% - 19.65%$5,000$30,000Not all will qualify for the lowest rate. Click here for more details.
Visa® Platinum11.90% - 16.90%$1,000$30,000Not all will qualify for the lowest rate. Click here for more details.
Share-Secured Visa®19.49% - 24.00%$1,000$10,000Not all will qualify for the lowest rate. Click here for more details.