Regular Share/Savings

Saving Made Simple

A savings account is an account that allows you to deposit money and earn interest as you prepare for life’s goals, or build a semi-liquid buffer for unexpected expenses. It is the first account we recommend you open when you become an America’s Christian Credit Union (ACCU) member. After all, learning the value of saving, establishing goals, and preparing for life’s events is essential in building wealth and a healthy financial future.

Unlike brokerage accounts, At ACCU your deposits are federally insured by the National Credit Union Share Insurance Fund (NCUSIF) for up to $250,000. Excess coverage at ACCU provided by American Share Insurance (ASI) for up to an additional $200,000.

Benefits of Regular Share/Savings:

• Great emergency cushion
• Competitive savings rate that compounds quarterly
• Quickly and easily transfer funds using the mobile app or online banking services
• Club accounts are also available for planned expenses like vacations, and Christmas
• No monthly service fee¹ and earn dividends on balances of $100 or more
• Nationwide access to over 5,600 shared branches and 30,000 surcharge-free ATMs²
• Access to your account when you need it
• Online Banking & Mobile Banking

What are you saving for: a computer, car, boat, summer home, down payment? Use this calculator to determine what you need to save on a regular basis to have the funds ready when needed.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not imply that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results. This calculator is not an offer of credit nor a guarantee of approval.

National Credit Union Insurance Fund

Your deposits are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is managed by the National Credit Union Administration, an independent agency of the United States Government. Your deposits are insured up to $250,000 per individual account and up to $250,000 for Individual Retirement Accounts.

American Share Insurance

Members of America’s Christian Credit Union with qualifying personal accounts exceeding the maximum level of coverage provided by the NCUA are also insured up to an additional $200,000 by ASI for a total of $450,000 of coverage. And, qualifying business/church accounts exceeding the maximum level of NCUA coverage are also insured up to an additional $100,000 by ASI for a total of $350,000 of coverage. ASI’s additional insurance coverage at America’s Christian Credit Union only applies to qualifying personal checking, savings, TSC and IRA accounts and to qualifying business/church accounts.

What is a Regular Share/Savings account?

A Regular Share/Savings account is a deposit account that earns dividends. This account can be used to save for things like a car, large purchases, emergencies, and more.

Is there a monthly fee for a Regular Share/Savings account?

No! Our Regular Share/Savings account does not have a monthly service fee. However, there is a $3.00 paper statement fee per month, which can be waived when you sign up for eStatements.

Is there a minimum deposit required to open a Regular Share/Savings  account?

No, there is no minimum deposit required to account opening. There is, however, a  $100 minimum deposit to earn dividends. Whether you are coming to us an experienced saver or just starting, this account is the perfect way to earn interest while keeping your money safe and secure.

Is there a minimum balance requirement?

No, there is no minimum balance required for this account. However, there is a $25.00 overdraft fee if your account balance falls below $0.00 on an attempted transaction.

Do I need to be an America’s Christian Credit Union member to open a savings account?

Yes, you will need to become a member or already have membership established to open a savings account at ACCU. It is a government requirement that we both create membership and collect certain information to help prevent fraud and combat terrorism.

How can I access my accounts?

Our mobile app and online banking services make it easy to access your account anytime and anywhere. Transfer funds, send and receive money, pay bills or deposit checks right from your phone. And, of course, there are over 5,600 shared-branching locations, and a network of more than 30,000 CO-OP ATMs nationwide². View all locations here.

Can I deposit a check with my phone?

Yes! You can deposit a check using Remote Deposit in America’s Christian Credit Union mobile app to deposit a check in seconds. It is available in the Google Play Market and Apple App Store. Click here to learn more.

Can I open a savings account online?

Yes, apply online in minutes!