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America's Christian CU
America's Christian Credit Union

America’s Christian Credit Union (ACCU) is committed to helping you find savings you didn’t realize were available during the Season of Savings. Plus, earn a special bonus when you open select products!

Season of Savings Bonus

ACCU’s Season of Savings is the perfect time to start saving on your monthly expenses. Whether you are looking to consolidate debt, refinance an auto loan, or looking to pay off high-rate credit card debt, we can help.

For a limited time, earn a bonus1,2,3 when you open qualifying products during the Season of Savings.

Use promo code “SAVE21” when you apply!

From now until February 28, 2022,
earn up to $1001,2,3 when you open a:

Checking Account + Auto Loan1

  • $50 bonus: 12 – 60 month Auto Loan + Checking Account
  • $100 bonus: 72 – 84 month Auto Loan + Checking Account

Checking Account + Visa® Signature Rewards Credit Card2

  • $50 bonus: Platinum or Platinum Rewards Credit Card + Checking Account
  • $100 bonus: Signature Rewards Credit Card + Checking Account

Checking Account + Signature Loan3

  • $50 bonus: 12 – 36 month Signature Loan + Checking Account
  • $100 bonus: 48 – 60 month Signature Loan + Checking Account

Qualifying Products

Auto Loan

  • Refinance or new purchase4
  • Terms up to 84 months4
  • Up to 100% financing, including tax & license (new auto)5 and up to 100% financing of Kelley Blue Book® Value (used auto)6
  • 90-days of no payments7

Visa® Signature Rewards Card

  • Cashback, travel, merchandise and gift cards
  • 0% introductory APR8,9 on purchases and balance transfers for the first 6 months from card issuance (after 6 months, your effective APR will be between 10.90% – 18.90% )
  • Minimum credit line of $5,000

Signature Loan

  • Use for debt consolidation, medical debt, large expenses, emergency purchases, or holiday essentials
  • Terms from 12 to 60 months10
  • Maximum loan of $30,000
  • Rates as low as 8.00% APR10

Do you have the lowest rate on your auto loan?

Run a quick, FREE check to see if you can save money by refinancing with ACCU.
Best of all, it won’t affect your credit score to check.

1 – Checking Account Bonus for Auto Loans: Applicant must use promo code SAVE21 when submitting the application to qualify. Member must open a new checking account (either Basic Checking or Secure Checking) and a new auto loan to qualify. Current ACCU loans and checking accounts do not qualify. Bonus will be deposited into that checking account within 90 days of loan origination. For an auto loan with a term 60 months or fewer, the bonus will be $50. For an auto loan with a term of 72 or 84 months, the bonus will be $100. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Any applicable taxes are the responsibility of the member. Offer available through February 28, 2022.

2 – Checking Account Bonus for Visa® Credit Cards: Applicant must use promo code SAVE21 when submitting the application to qualify. Member must open a new checking account (either Basic Checking or Secure Checking) and a new Visa® Credit Card to qualify. Current ACCU credit cards and checking accounts do not qualify. Bonus will be deposited into that checking account within 90 Days of card issuance. For a Visa® Platinum Credit Card or a Visa® Platinum Rewards Credit Card, the bonus will be $50. For Visa® Signature Rewards Credit Card, the bonus will be $100. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Any applicable taxes are the responsibility of the member. Offer available through February 28, 2022.

3 – Checking Account Bonus for Signature Loans: Applicant must use promo code SAVE21 when submitting the application to qualify. Member must open a new checking account (either Basic Checking or Secure Checking) and a new Signature Loan to qualify. Current ACCU loans and checking accounts do not qualify. Bonus will be deposited into that checking account within 90 days of loan origination. For a Signature Loan with a term 36 months or fewer, the bonus will be $50. For a Signature Loan with a term of 48 or 60 months, the bonus will be $100. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Any applicable taxes are the responsibility of the member. Offer available through February 28, 2022.

4 – Offer valid through February 28, 2022. Applicant must use promo code SAVE21 when submitting the application to qualify. Consumer auto loans only. Loans subject to credit approval. Not all applicants will qualify. APR quoted assumes a rate discount of 0.50% for ACH/automatic payment is utilized and remains intact for the life of the loan. Your actual APR may vary based on loan type, your credit history, ability to repay, approved loan amount, term, and applicable discounts. Not all applicants will qualify for the lowest rate. Floor rate is 1.99% APR for a new vehicle or a used vehicle. Loan amount must be at least $5,000 to be eligible for this offer. The 1.99% APR is available on terms up to 36 months. A $25.00 loan funding fee will be applied to the loan’s principal balance upon acceptance of qualified rate and terms. This will increase the principal balance and effective APR. For a $15,000 auto loan with a 36-month term at 1.99% APR, the approximate monthly payment will be $430.00. Current ACCU loans not eligible. Longer terms available with a nominal rate increase.

5 – A new auto is considered to be a vehicle whose model year is up to one year older than the current calendar year or newer.

6 – A used auto is considered to be a vehicle whose model year is more than one year older than the current calendar year. Used vehicles are subject to Kelley Blue Book®’s valuation.

7 – 90-days no payments: Interest will continue to accrue during this period. Applicant must use promo code SAVE21 when submitting the application to qualify. Ask loan officer before funding. Repayment of the loan is still subject to the number of installments chosen at time of funding (i.e. 60, 72, or 84 monthly payments). Current ACCU loans not eligible for promotion. Application must be submitted by February 28, 2022.

8 – APR = Annual Percentage Rate.

9 – Visa® Signature Rewards Card: 0% APR on new purchases within the first 6 months of opening the credit card. After that, your effective APR will be between 10.90% to 18.90% . 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. Applicants who do not qualify for the Visa® Signature Rewards Card may be approved for a Visa® Platinum or Share-Secured Visa® credit card. Rates, terms and conditions subject to change. Offer not valid on current ACCU loans. Subject to credit approval. View the full disclosure for Visa® Signature Rewards Card to learn more.

10 – Loans subject to credit approval. Advertised “as low as rate” APR assumes excellent credit history and maximum rate discount of 0.50% for ACH/automatic payment. Your actual APR may vary based on loan type, your credit history, ability to repay, approved loan amount, term, and applicable discounts. Not all applicants will qualify for the lowest rate. Rates, terms and conditions are subject to change without notice. $25.00 loan processing fee for Signature Loans. For a $10,000 Signature Loan with a 36-month term at 8.00% APR, the approximate monthly payment will be $313.00

Rates, terms, and conditions are subject to change or discontinue at any time, without notice. Additional restrictions apply.

Must qualify for membership. A $2 membership fee may apply.