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America's Christian CU
America's Christian Credit Union

Personal Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates are subject to change at any time without notice. Rates effective as of today. Rates last updated June 28, 2022. Fees may reduce earnings. 

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$500.20%0.20%VariableQuarterly
12 Month$500$5000.80%0.80%FixedQuarterly
24 Month$500$5001.00%1.00%FixedQuarterly
36 Month$500$5001.05%1.05%FixedQuarterly
48 Month$500$5001.10%1.10%FixedQuarterly
60 Month$500$5001.20%1.21%FixedQuarterly

Money Market Accounts

ProductMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded / Paid
Tier 1$2,5002$2,500 - $49,999.990.25%0.25%VariableMonthly
Tier 2-$50,000 - $99,999.990.30%0.30%VariableMonthly
Tier 3-$100,000 - $249,999.990.40%0.40%VariableMonthly
Tier 4-$250,000 and up0.60%0.60%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$1,0000.60%0.60%FixedMonthly--
6 Month$1,000$1,0000.65%0.65%FixedMonthly--
9 Month$1,000$1,0000.70%0.70%FixedMonthly--
12 Month$1,000$1,0000.80%0.80%FixedMonthly--
18 Month$1,000$1,0000.90%0.90%FixedMonthly--
24 Month$1,000$1,0001.00%1.00%FixedMonthly--
36 Month$1,000$1,0001.05%1.06%FixedMonthly--
48 Month$1,000$1,0001.10%1.11%FixedMonthly--
60 Month$1,000$1,0001.20%1.21%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.
7 Month New Money3$5,000$5,0001.00%1.00%FixedMonthly$250,000New funds only. Certain restrictions apply. Learn more.
22 Month New Money4$5,000$5,0001.98%2.00%FixedMonthly$250,000New funds only. Certain restrictions apply. Learn more.

3 – Certificate must be established with newly deposited funds. $250,000 maximum balance per certificate, per member. At maturity, this certificate renews as a regular 6 Month Certificate at 0.65% APY.
4 – Certificate must be established with newly deposited funds. $250,000 maximum balance per certificate, per member. At maturity, this certificate renews as a regular 18 Month Certificate at 0.90% APY.

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.

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.

Vehicle Loans

ProductLoan TermAPR9Loan 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 Months4.29% - 4.49%$500$15,000
First Time Auto Buyer37 - 48 Months4.49% - 5.49%$500$15,000
First Time Auto Buyer49 - 60 Months5.24% - 6.74%$500$15,000
First Time Auto Buyer61 - 72 Months5.49% - 7.24%$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.

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 Refinance115 Years2.75% - 4.75%Variable$5,000$30,000
Student Loan Refinance1110 Years3.75% - 5.75%Variable$5,000$30,000
Student Loan Refinance1115 Years4.75% - 7.25%Variable$5,000$30,000
Student Loan Refinance115 Years3.30% - 5.90%Fixed$5,000$30,000
Student Loan Refinance1110 Years3.80% - 6.40%Fixed$5,000$30,000
Student Loan Refinance1115 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.

Home Equity Line of Credit (HELOC)

ProductLoan TermAPR12Loan Minimum
HELOC Quarterly Adjustable30 Years4.75% - 6.25%$20,000
HELOC Annual Adjustable30 Years5.25% - 7.25%$20,000
HELOC 3-Year Re-Price30 Years5.75% - 8.50%$20,000
HELOC Non-Owner Occupied30 Years6.75% - 10.00%$20,000

12 – Advertised “as low as” APR assumes excellent credit history and maximum rate discount of 0.25% APR for ACH/automatic payment.

Credit Cards

Card TypeAPRMinimum Credit Line AvailableMaximum Credit Line Available
Visa® Signature Rewards10.90% - 18.90% $5,000$30,000
Visa® Platinum10.65% - 15.65%$1,000$30,000
Share-Secured Visa®18.74% - 23.25%$1,000$10,000