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America's Christian CU
America's Christian Credit Union
Personal Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of today. Rates last updated January 17, 2022. Fees may reduce earnings. Rates are subject to change without notice.

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

Individual Retirement Accounts (IRAs)

TermMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / Paid
Share / Savings$50$500.20%0.20%VariableQuarterly
12 Month$500$5000.25%0.25%FixedQuarterly
24 Month$500$5000.30%0.30%FixedQuarterly
36 Month$500$5000.35%0.35%FixedQuarterly
48 Month$500$5000.40%0.40%FixedQuarterly
60 Month$500$5000.50%0.50%FixedQuarterly

Money Market Accounts

ProductMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / Paid
Tier 1$2,500$2,500 - $49,999.990.15%0.15%VariableMonthly
Tier 2-$50,000 - $99,999.990.20%0.20%VariableMonthly
Tier 3-$100,000 - $249,999.990.25%0.25%VariableMonthly
Tier 4-$250,000+0.30%0.30%VariableMonthly

Term Share Certificates

TermMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / PaidMaximum BalanceSpecial Terms

New Members

(12 Month)

$1,000$1,0002.00%2.00%FixedMonthly$5,000For new members only. Certain restrictions apply. Learn more.
3 Month$1,000$1,0000.15%0.15%FixedMonthly--
6 Month$1,000$1,0000.20%0.20%FixedMonthly--
9 Month$1,000$1,0000.20%0.20%FixedMonthly--
12 Month$1,000$1,0000.25%0.25%FixedMonthly--
18 Month$1,000$1,0000.25%0.25%FixedMonthly--
24 Month$1,000$1,0000.30%0.30%FixedMonthly--
36 Month$1,000$1,0000.35%0.35%FixedMonthly--
48 Month$1,000$1,0000.40%0.40%FixedMonthly--
60 Month$1,000$1,0000.50%0.50%FixedMonthly--

Personal Loans

ProductLoan TermAPRLoan MinimumLoan Maximum
Signature Loan212 Months7.49%$500$5,000
Signature Loan2Up to 36 Months8.00% - 16.75%$500$30,000
Signature Loan237 - 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

Adoption Loans

ProductLoan TermAPRLoan MinimumLoan Maximum
Adoption Loan2Up to 60 Months6.49% - 13.65%$5,000$50,000
Adoption Loan261 - 72 Months7.49% - 14.65%$5,000$50,000
Adoption Loan273 - 84 Months8.49% - 15.40%$5,000$50,000
Adoption Line of CreditUp to 60 Months7.99% - 14.99%$5,000$50,000

Vehicle Loans

ProductLoan TermAPR2Loan MinimumLoan Maximum
New Auto1 - 36 Months1.99% - 16.90%$500$130,000
New Auto37 - 48 Months1.99% - 16.90%$5,000$130,000
New Auto49 - 60 Months2.49% - 16.90%$10,000$130,000
New Auto61 - 72 Months2.49% - 16.90%$15,000$130,000
New Auto73 - 84 Months3.25% - 16.90%$25,000$130,000
Used Auto1 - 36 Months1.99% - 16.90%$500$130,000
Used Auto37 - 48 Months2.24% - 16.90%$5,000$130,000
Used Auto49 - 60 Months2.49% - 16.90%$10,000$130,000
Used Auto61 - 72 Months2.99% - 11.29%$15,000$130,000
Used Auto73 - 84 Months3.74% - 3.99%$25,000$130,000
First Time Auto Buyer1 - 36 Months8.79% - 8.99%$500$15,000
First Time Auto Buyer37 - 48 Months9.24% - 10.74%$500$15,000
First Time Auto Buyer49 - 60 Months9.49% - 10.99%$500$15,000
First Time Auto Buyer61 - 72 Months9.99% - 11.29%$500$15,000
Fresh Start Auto60 Months16.90%$5,000$30,000
Small RVs31 - 60 Months5.74% - 16.75%$500$130,000
Small RVs361 - 72 Months7.25% - 17.45%$10,000$130,000
Small RVs373 - 84 Months7.75% - 18.45%$15,000$130,000
Large RVs41 - 60 Months5.49% - 15.75%$5,000$130,000
Large RVs461 - 72 Months6.75% - 16.75%$20,000$130,000
Large RVs473 - 144 Months7.00% - 18.25%$30,000$130,000

Education Loans

ProductLoan TermAPRRate TypeLoan MinimumLoan Maximum
Private Student Loan5Up to 25 Years3.50% - 8.25%Variable$1,000$30,000
Graduate Line of Credit520 or 25 years3.50% - 9.25%Variable$1,000$30,000
Parent Loan65 Years4.62% - 8.25%Fixed$1,000$30,000
Parent Loan610 Years5.72% - 9.44%Fixed$1,000$30,000
Student Loan Refinance65 Years2.75% - 4.75%Variable$5,000$30,000
Student Loan Refinance610 Years3.75% - 5.75%Variable$5,000$30,000
Student Loan Refinance615 Years4.75% - 7.25%Variable$5,000$30,000
Student Loan Refinance65 Years3.30% - 5.90%Fixed$5,000$30,000
Student Loan Refinance610 Years3.80% - 6.40%Fixed$5,000$30,000
Student Loan Refinance615 Years5.30% - 7.75%Fixed$5,000$30,000

Home Equity Line of Credit (HELOC)

ProductLoan TermAPR6Loan Minimum
HELOC Quarterly Adjustable30 Years3.25% - 7.00%$20,000
HELOC Non-Owner Occupied30 Years5.25% - 8.50%$20,000

Credit Cards

Card TypeAPRMinimum Credit Line AvailableMaximum Credit Line Available
VISA® Signature Rewards10.40% - 18.40%$5,000$30,000
VISA® Platinum Rewards11.15% - 16.15%$1,000$30,000
VISA® Platinum10.65% - 15.65%$1,000$30,000
Share-Secured VISA®18.24% - 22.75%$1,000$10,000

1 – If the balance exceeds $20,000, the rate drops to the Regular Share/Savings rate of 0.10% APY.
2 – Advertised “as low as” APR assumes excellent credit history and maximum rate discount of 0.50% APR for ACH/automatic payment.
3 – Small Recreational Vehicles (RVs) include Motorcycles, UTVs, Side-by-Sides, ATVs, Dirt Bikes, and Small Watercraft
4 – Large Recreational Vehicles (RVs) include Motorhomes, Trailers, Boats, Van Conversions, and Fifth-Wheels
5 – 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.
6 – Advertised “as low as” APR assumes excellent credit history and maximum rate discount of 0.25% APR for ACH/automatic payment.