X
America's Christian CU
America's Christian Credit Union

Switch to ACCU and earn up to $325!

Stronger Together

For years, we have partnered with Point Loma Nazarene in ministry building, and they have held a special place in our hearts. Point Loma Nazarene University students get several benefits from banking with America’s Christian Credit Union:

  • Surcharge-free ATM on campus1
  • Mobile banking for on-the-go money management
  • Access to exclusive financial wellness resources
  • Membership in a cooperative of believers bearing one another’s burdens

Get Started Today!

Fill out the form below to get started on your membership application.

Earn up to $325 When You Switch to ACCU

Earn $100 when you open a Checking account with qualifying activities2

  • Open a Student Checking account using the form on this page
  • Make at least one (1) deposit of $25.00 or more per calendar month
  • Make at least two (2) debit card purchases per calendar month

Earn up to $100 in dividends when you open a New Member Certificate3

  • Open a New Member Certificate and deposit up to $5,000
  • Earn $100 in dividends at an APY4 of 2.00%

Earn up to $125 in Cash Back with an introductory offer for ACCU’s VISA® Signature Rewards Credit Card5

  • Earn 2,500 points for your first card transaction
  • Earn 10,000 points for spending $3,000 in the first 90 days6
  • Rewards points may be redeemed for Cash Back

2 – APY = Annual Percentage Yield. Checking Bonus: $100.00 “bonus” is valid for a newly established checking account after 08/01/2021 using the form at the top of AmericasChristianCU.com/PLNU. To qualify for the $100.00 bonus the following transactions must be completed in the three (3) consecutive months after account opening: at least one (1) deposit of $25.00 or more and two (2) debit card purchases per calendar month. Once qualifying transactions have been made and are verified, the $100.00 bonus will be credited to the checking account within 140 days of account opening. Student Checking accounts do not earn dividends. Fees may reduce earnings. Certain restrictions apply, limited time offer expires 12/31/2021. All program rates, offers, terms and conditions are subject to change without notice. Promotional funds may be subject to 1099 reporting. Any applicable taxes are the responsibility of the member.

3 – To earn $100 in dividends you will need to fund a New Member Certificate with $5,000. Assumes 2.00% APY and a $5,000 deposit will remain in the account until maturity. Penalty for early withdrawal. Visit AmericasChristianCU.com/GetStarted for full product details.

New Member Certificate: Minimum deposit is $1,000. Minimum deposit required to earn dividends 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. Offer is available to new members, or members who have not held, or closed, an ACCU: savings, term share certificate, money market, or loan account. Limit one new member certificate per household Rate quoted as of 3/1/2021 and subject to change or discontinue without notice. 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. Dividends earned may be subject to 1099 reporting. Any applicable taxes are the responsibility of the member.

4 – APY = Annual Percentage Yield and is accurate as of 02/02/2021. Visit AmericasChristianCU.com/Personal/Rates for current details. All program rates, offers, terms and conditions are subject to change without notice. Early withdrawal penalties do apply which may reduce the principal.

5 – The Introductory Offer of 12,500 bonus rewards points when opening a new VISA® Signature Rewards Credit Card can be redeemed in the CURewards portal. Rewards points can be redeemed for cashback, travel, merchandise, and gift cards. 2,500 bonus points can be redeemed for $25 cash back. VISA® Signature Rewards Card issuance is contingent on approved credit, and rates offered are based on credit-worthiness. Minimum FICO score of 660 is required. Minimum credit line of $5,000. Applicants who do not qualify for the VISA® Signature Rewards Card may be approved for a VISA® Platinum or Share-Secured VISA® credit card. Not all applicants will qualify for the best rate. All program rates, offer, terms and conditions are subject to change without notice. Certain restrictions apply. Offer not valid for existing ACCU credit card holders, or cardholders who have closed their accounts in the past 24 months. One offer per household. Visit AmericasChristianCU.com/VisaSignature for full list of disclosures and applicable fees.

6 – 90 day period begins from the issuance date of the credit card. Offer for consumer only.

Student Checking
Our Student Checking account includes online and mobile banking, and remote check deposit with no minimum monthly balance requirement

At America’s Christian Credit Union, we believe your checking account is the center of your finances. Therefore, our Student Checking account comes with feature-rich digital services. Then, when paired with our Student Savings account, you have the foundational elements for a great financial future.

Student Checking is a bank account for everyday expenses. It is designed to keep access to your funds liquid and ready for regular payments or purchases. Accessing funds is often by check, Debit Card, Online/Mobile Banking services, peer-to-peer payments, and ATM, or branch location withdrawal for cash.

Included with Student checking:

  • VISA® Debit Card with transaction alerts
  • Unlimited transactions
  • Nationwide access to over 5,600 shared branches and 30,000 surcharge-free ATMs1
  • Online Banking & Bill Pay
  • Mobile Banking & Mobile Deposit (carrier data and message rates may apply)

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% APY9
  • $1,000 minimum deposit
  • $5,000 maximum deposit
  • 12-month term

Today's Rate - Valid 09/28/2021
New Member Certificate
2.00%
APY8

VISA® Signature Rewards Credit Card
Earn cashback or rewards points redeemable for travel, merchandise or gift cards with every purchase.

VISA® Signature Rewards Card Features:

  • No Annual Fee10
  • Earn points for every purchase:
    • 1.25 points per $1 spent on purchases
    • 2.50 points per $1 spent at charitable organizations
  • Points can be redeemed for Cash, Travel, Merchandise, and Gift Cards at CURewards
  • Minimum Credit Line of $5,000
  • See Terms & Conditions for rates, fees, and other cost information.
  • VISA Purchase Alerts available
  • Travel Notifications available
  • CardLock

Today's Rate - Valid 09/28/2021
VISA Signature Rewards Credit Card
As Low As
10.40%
APR10

Banking Your Way

More Than a Banking Institution

When you bank with America’s Christian Credit Union you are joining a co-operative of believers pooling resources together to support a biblical worldview and the greater body of Christ.

As a fully federally insured credit union, ACCU has been providing financial services to Christian individuals and ministries for over 60 years with the aim of supporting: church expansion, ministry building, Christian schools, assisting small businesses, and supporting individuals & families by way of high-rate deposit accounts and low-rate lending services.

From a member’s first savings account through retirement, we’re here to be your life-long financial partner. Join ACCU and discover banking with a financial partner who understands your faith and moves you forward! Because we are Stronger Together!

Your Money is Safe and More than 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.

What Our Members Are Saying
"Wow, this has been the best banking experience and the help and communication from opening our accounts to assisting with the PPP process. Thank you ACCU team, we are glad to be in the family!"
Walter H. from California
"Every step of the way I had a real person to talk with. The communications were clear and easy to follow and I felt like each person really cared. I got my PPP loan in one week! That is amazing."
Monica S. from Arizona
"You guys are wonderful. Like night and day compared to working with a traditional bank."
Thomas B. from Illinois
"Every phone call and email contact I encountered was handled quickly, professionally, and with care and courtesy. Also, everyone communicates with a 'personal' touch that feels more like family rather than just a client or business relationship."
Gloria G. from New York
"We have a true partner in ACCU! Representatives from the bank take a personal approach with us, and it is clear that they genuinely care about our mission and success. Communications are prompt and forthright, and their processes are easy to follow."
Jeff B. from California
"Over thirty years of working with America's Christian Credit Union has been a partnership of trust and security. We find a spirit of helpfulness and would recommend this Credit Union to others."
Delphine M. from Tennessee
"Working with ACCU was a fast and painless process. All the agents were friendly and helpful. ACCU communicated to me with each step along the way... 10/10!"
Matthew B. from Pennsylvania
Frequently Asked Questions

How do I open a deposit account at America’s Christian Credit Union?

It’s quick and easy using the form above fill out the required information. From there one of our membership representatives will process your request and provide instructions for funding the accounts once your membership has been finalized.

Do I need to be an America’s Christian Credit Union member to apply for a loan?

You don’t need to be a member to start a loan application. However, you’ll need to qualify for and complete membership to finish the process. We are all about a life-long relationship – and there are discounts for automatic payments through our checking accounts – We would encourage you get started using the form above. If you are only interested in applying for a loan, you can do so here.

What information do I need to open an account?

  • Name and ID (driver license, state ID or passport)
  • Physical address
  • Phone number and date of birth
  • Employment status and employer (if employed)
  • Social Security or Taxpayer Identification Number

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, we are always happy to help you at any branch. We have thousands of shared-branching locations nationwide and network with more than 30,000 CO-OP ATMs. View all locations here.

1 – Via Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations.

8 – APY = Annual Percentage Yield.

9 – New Member Certificate: 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. 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.

10 – Consumer VISA® Signature Rewards Card: APR = Annual Percentage Rate. 0% APR on new purchases within the first six months from issuance of the credit card. After that, your APR will be 10.40% to 18.50%. The APR is indexed to the Prime Rate, and may vary based on market conditions. Card issuance is contingent on approved credit, and rates offered are based on credit-worthiness. Minimum FICO score of 660 is required. Minimum credit line of $5,000. Applicants who do not qualify for the Visa Signature Rewards Card may be approved for a Visa Platinum or Share-Secured Visa credit card. Not all applicants will qualify, or qualify for the best rate. All program rates, offer, terms and conditions are subject to change without notice. Offer not valid for existing ACCU credit card holders, or cardholders whom have closed their accounts in the past 24 months. One offer per household. See application for full list of disclosures and applicable fees.

Must qualify for membership. A $2.00 membership fee may apply for new memberships established or added onto accounts as a joint applicant.