X
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 November 15, 2022. Fees may reduce earnings on share accounts. For loans, estimated monthly payments per $1,000 are based on the loan minimum for the applicable rate and term. 

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$5002.80%2.83%FixedQuarterly
24 Month$500$5003.25%3.29%FixedQuarterly
36 Month$500$5003.35%3.39%FixedQuarterly
48 Month$500$5003.40%3.44%FixedQuarterly
60 Month$500$5003.55%3.60%FixedQuarterly

Money Market Accounts

ProductMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / Paid
Tier 1$2,5002$2,500 - $49,999.990.60%0.60%VariableMonthly
Tier 2-$50,000 - $99,999.990.80%0.80%VariableMonthly
Tier 3-$100,000 - $249,999.991.00%1.00%VariableMonthly
Tier 4-$250,000 and up1.50%1.51%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$1,0001.60%1.61%FixedMonthly--
6 Month$1,000$1,0002.50%2.53%FixedMonthly--
9 Month$1,000$1,0002.60%2.63%FixedMonthly--
12 Month$1,000$1,0002.80%2.84%FixedMonthly--
18 Month$1,000$1,0003.10%3.14%FixedMonthly--
24 Month$1,000$1,0003.25%3.30%FixedMonthly--
36 Month$1,000$1,0003.35%3.40%FixedMonthly--
48 Month$1,000$1,0003.40%3.45%FixedMonthly--
60 Month$1,000$1,0003.55%3.61%FixedMonthly--
Special Offerings

12 Month New Member

$1,000$1,0003.93%4.00%FixedMonthly$10,000For new members only. Certain restrictions apply. Learn more.
7 Month New Money$5,000$5,0002.62%2.65%FixedMonthly$5,000,000New money only. Learn more.
22 Month New Money$5,000$5,0002.96%3.00%FixedMonthly$5,000,000New money only. Learn more.

Personal Loans

ProductTermAPR As Low AsLoan MinimumLoan MaximumEstimated monthly payment per $1,000
Signature Loan512 Months7.49%$500$5,000$86.75
Signature Loan536 Months8.00%$500$30,000$31.34
Signature Loan560 Months8.49%$8,000$30,000$20.51
Savings Secured Loan120 Months3% over savings rate$1,000As much as held in savings Varies
Debt Consolidation36 Months7.49%$500$10,000$31.10
Overdraft Line of CreditN/A9.50%$500$30,000Varies6

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. Actual payment depends on the term chosen and will vary based on the total amount financed. A one-time $25.00 loan funding fee will be applied to the loan’s principal balance upon acceptance of qualified rate and terms. This will increase the principal balance and effective APR.
6 – Monthly payment per $1,000 varies on lines of credit due to fluctuating balance.

Adoption Loans

ProductTermAPR As Low As7 Loan MinimumLoan MaximumEstimated monthly payment per $1,000
Adoption Loan60 Months6.49%$5,000$50,000$19.56
Adoption Loan72 Months7.49%$15,000$50,000$17.29
Adoption Loan84 Months8.49%$25,000$50,000$15.83
Adoption Line of Credit60 Months7.99%$5,000$50,000Varies8

7 – 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. Actual payment depends on the term chosen and will vary based on the total amount financed. A one-time $75.00 loan funding fee will be applied to the loan’s principal balance upon acceptance of qualified rate and terms. This will increase the principal balance and effective APR.
8 – Monthly payment per $1,000 varies on lines of credit due to fluctuating balance.

Vehicle Loans

ProductTermAPR As Low As11 Loan MinimumLoan MaximumEstimated monthly payment per $1,000
New Auto36 Months4.74%$500$130,000$29.85
New Auto48 Months4.74%$5,000$130,000$22.91
New Auto60 Months5.25%$10,000$130,000$18.99
New Auto72 Months5.25%$15,000$130,000$16.22
New Auto84 Months6.00% $25,000$130,000$14.61
Used Auto36 Months4.99%$500$130,000$29.97
Used Auto48 Months4.99%$5,000$130,000$23.02
Used Auto60 Months5.49%$10,000$130,000$19.10
Used Auto72 Months5.49%$15,000$130,000$16.33
Used Auto84 Months6.25%$25,000$130,000$14.73
First Time Auto Buyer36 Months7.04%$500$25,000$30.90
First Time Auto Buyer48 Months7.24%$500$25,000$24.06
First Time Auto Buyer60 Months7.99%$500$25,000$20.27
First Time Auto Buyer72 Months8.24%$500$25,000$17.65
Fresh Start Auto60 Months16.90%$5,000$30,000$24.80
Small RVs960 Months6.74%$500$130,000$19.68
Small RVs972 Months8.25%$10,000$130,000$17.66
Small RVs984 Months8.75%$15,000$130,000$15.96
Large RVs1060 Months6.49%$5,000$130,000$19.56
Large RVs1072 Months7.75%$20,000$130,000$17.41
Large RVs1084 - 144 Months8.00%$30,000$130,000$15.5912

9 – Small Recreational Vehicles (RVs) include Motorcycles, UTVs, Side-by-Sides, ATVs, Dirt Bikes, and Small Watercraft
10 – Large Recreational Vehicles (RVs) include Motorhomes, Trailers, Boats, Van Conversions, and Fifth-Wheels
11 – 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. Actual payment depends on the term chosen and will vary based on the total amount financed. A one-time $25.00 loan funding fee will be applied to the loan’s principal balance upon acceptance of qualified rate and terms. This will increase the principal balance and effective APR.
12 – Payment example is for an 84 month large RV loan. Please contact an ACCU loan officer for a large RV loan payment example between 85 – 144 months.

Education Loans

ProductTermAPR As Low As13Rate TypeLoan MinimumLoan MaximumEstimated monthly payment per $1,000
Private Student Loan20 or 25 years5.75%Variable$1,000$50,000$6.29
Graduate Line of Credit20 or 25 years5.25%Variable$1,000$50,000Varies14
Student Loan Refinance5 Years3.75%Variable$5,000$75,000$18.30
Student Loan Refinance10 Years4.00%Variable$5,000$75,000$10.12
Student Loan Refinance15 Years4.25%Variable$5,000$75,000$7.52
Student Loan Refinance5 Years3.30%Fixed$5,000$75,000$18.10
Student Loan Refinance10 Years3.80%Fixed$5,000$75,000$10.03
Student Loan Refinance15 Years5.30%Fixed$5,000$75,000$8.07

13 – 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. Actual payment depends on the term chosen and will vary based on the total amount financed.

  • For Parent Loans, a one-time $25.00 loan funding fee will be applied to the loan’s principal balance upon acceptance of qualified rate and terms. This will increase the principal balance and effective APR.
  • For Private Student Loans, the estimated monthly payment per $1,000 shown is based on a 20-year repayment term, which is applicable if your principal balance at repayment is $40,000 or less; if your principal balance at repayment is more than $40,000, your repayment term will be 25 years.

14 – Monthly payment per $1,000 varies on lines of credit due to fluctuating balance.

Home Equity Line of Credit (HELOC)

ProductTermAPR As Low As15Loan Minimum
HELOC Quarterly Adjustable30 Years7.00%$20,000
HELOC Annual Adjustable30 Years7.50%$20,000
HELOC 3-Year Re-Price30 Years8.00%$20,000
HELOC Non-Owner Occupied30 Years9.00%$20,000

15 – 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 7.00%. 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.  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 7.00% APR, the monthly payment will be approximately $334.29. 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 TypeAPR As Low As16Minimum Credit Line AvailableMaximum Credit Line AvailableAdditional Details
Visa® Signature Rewards13.15%$5,000$30,000Click here
Visa® Platinum13.40%$1,000$30,000Click here
Share-Secured Visa®20.99%$1,000$10,000Click here

16 – Advertised “as low as” APR assumes excellent credit history. Not all will qualify for the lowest rate.