America's Christian CU
America's Christian Credit Union
Term Share Certificates
America’s Christian Credit Union’s Term Share Certificates (TSC) are a great way to earn competitive dividends on safe, long-term investments.

Choose Your Term and Start Saving

Term Share Certificates (TSC) are accounts offered by credit unions that are similar to Certificates of Deposit (CD) you might find at a bank. A TSC pays higher interest rates over a fixed period of time, known as a term, for a guaranteed return. When you place funds you don’t immediately need into a TSC you can earn higher dividends without daily management or fees. This is a low-risk way to maximize your savings because deposits made with ACCU are federally insured by the National Credit Union Share Insurance Fund (NCUSIF) and American Share Insurance.

ACCU’s TSCs feature a high rate of return with terms ranging from 3 months – 60 months. It is a safe way to grow your savings with a return you can count on. Plus, you can spend the time you would have spent watching the stock market with your family because you can rest assured that your return will not change as the market fluctuates.

Benefits of Term Share Certificates:

  • Terms ranging from 3 months – 60 months
  • Guaranteed, fixed rate for term selected (from 3 months – 60 months)
  • $1,000 minimum deposit to open
  • Deposits federally insured up to $250,000 with the National Credit Union Association, excess coverage up to $200,000 with American Share Insurance per individual depositor.
  • No monthly maintenance fees

Today's Rate - Valid 12/07/2021
TSC 60 Month

New Member Certificate

As a special “Thank You” when you join America’s Christian Credit Union, you can take advantage of our New Member Certificate, which boasts a special high-rate & term to help maximize your savings. But act fast — this offer is only available for the first 60 days from when you open your ACCU membership!


  • High fixed rate of 2.00% APY
  • $1,000 minimum deposit
  • $5,000 maximum deposit
  • 12-month term

Today's Rate - Valid 12/07/2021
New Member Certificate

Your Money is Safe and Federally Insured

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.

Get Started
As a member of America’s Christian Credit Union, we’re dedicated to providing you all the support you need to reach your financial goals along with a premier banking experience.
Term Share Certificate Calculator

Use this calculator to help determine the potential dividend growth and tax liability on your Share Certificate.

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.

Term Share Certificates Frequently Asked Questions

What is a Term Share Certificate?

A Term Share Certificate is a savings product that you can invest your money in and withdraw with interest at maturity. All ACCU certificates are insured up to $250,000 by the NCUA (National Credit Unions Association).

Is there a minimum deposit required to open a Term Share Certificate?

Yes, there is a $1,000 minimum deposit required at account opening. Whether you are coming to us an experienced saver or just starting, a TSC is a perfect way to earn interest while keeping your money safe and secure.

Is there a penalty for early withdrawal?

Yes, there is a penalty for withdrawal. See America’s Christian Credit Union’s Truth In Savings for full details.

1 – APY = Annual Percentage Yield.

2 – APY assumes that dividends will remain in the account until maturity. Penalty for early withdrawal. Minimum Balance is required in order to open Term Share Certificate and earn dividends.

3 –  Minimum deposit is $1,000; maximum deposit is $5,000. Early withdrawal penalties do apply which may reduce the principal. No additional deposits can be made during the term of the New Member Term Share Certificate. This offer is for new members or members within the first 60 days of account opening. One certificate per new member. At maturity, the promotional Term Share Certificate will renew as a traditional Term Share Certificate for another 12-month term at the prevailing rate unless we are notified prior to or within 7 days of maturity date. All program rates, offers, terms and conditions are subject to change without notice. Certain restrictions apply.