Log In
1-800-343-6328
Email UsGet Started
Fill out the form below to get started on your application.
Where You Bank Matters
For many years, we have partnered with individuals and organizations in ministry building across the country. And now, we would be honored to continue that tradition with you. As a member of PublicSquare, you automatically qualify for membership with America’s Christian Credit Union (ACCU), We invite you to join the ACCU family and become a member. With your ACCU membership, you will have access to our range of benefits, including competitive returns on deposits, low-rate personal loans, and a nationwide network of shared branches and surcharge-free ATMs via the Co-Op Network.
ACCU is 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, we have provided financial services to Christian individuals and ministries for over 65 years with the aim of supporting: church expansion, ministry building, Christian schools, assisting small businesses, and supporting individuals and families by way of high-rate deposit accounts and low-rate lending services.
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!
Featured Products
America's Christian Credit Union vs. Banks
| ACCU | Banks | |
|---|---|---|
| Ownership | Owned by ACCU members and run by a volunteer board of directors | Owned by shareholders and run by a paid board of directors |
| Profits | Not for profit; excess earnings get distributed back to members in the form of profit-sharing and better interest rates | For profit; excess earnings get distributed back to shareholders |
| Your Role | ACCU members can vote on how their credit union is run | Customers have no say in how their bank is run |
| Eligibility | There are requirements for membership; click here to learn more about eligibility | Open; anyone can become a customer |
| Safety | Federal Protection up to $250,000 by the National Credit Union Administration (NCUA). Added savings protection is provided by American Share Insurance (ASI) on qualifying member’s accounts in excess of that provided by NCUA. | Federal Protection up to $250,000 (FDIC—Federal Deposit Insurance Corporation) |
| Access | Credit unions tend to be local and have fewer individually owned branches, but thanks to ATM network sharing you can use other credit union and convenience store ATMs free of charge often making their network larger than those the largest banks; click here to find a location near you | Big banks are present in most major cities, but if you need to use another bank’s ATM, get ready to pay a higher service charge |
| Fees | On average, the largest credit unions have lower fees than the largest banks | On average, the largest banks have higher overdraft fees and higher online monthly bill fees than the largest credit unions |
| Satisfaction | Banks fell short of credit unions in the American Customer Satisfaction Index in 2013. Most FI’s have a Satisfaction of 45 out of 100, ACCU, personal service boasts a satisfaction score well above 85. | The lowest-scoring financial institution was also the largest bank. |
| ATMs | Credit unions have the largest surcharge-free ATM network with approximately 30,000 co-op ATMs in their network across the United States; click here to find a location near you | Bank of America, for example, has 16,000 ATMs across the United States. |
| Mobile App | You may not think that credit unions provide the latest technology; however, most including ACCU have mobile apps comparable to those of banks making trips to the branch less of a necessity in most cases. | Banks, especially the larger ones, typically offer great technology. Banking apps will support your love for on-demand banking on your smartphone. |
Testimonials
Manish Patel, Sonrise Christian School
Pastor Dennis Bachman, New Song Church
Jim Martindale, Commercial Real Estate Broker
Pastor John Cager, Ward A.M.E.