Log In
1-800-343-6328
Email UsStress-Free Summer Finances: Simple Banking, Credit & Loans for Your Best Season Yet
Make the most of every sunny moment with finances that are just as ready as you are. Whether you’re planning road trips, upgrading your ride, or simply enjoying everyday spending, our flexible banking, credit, and loan options are designed to keep your money working smoothly in the background—so you can focus on more fun and less financial worry all summer long.
Hit the Road, On Your Terms
Whether you’re buying your first car or upgrading your ride, ACCU offers competitive auto loan financing tailored to your needs. Explore options for new and used auto loans, refinancing, recreational vehicles (RVs), UTVs, and more.
1 – Not all applicants will be approved for a vehicle loan. APR = Annual percentage rate. Loans on approved credit. Actual APR based on creditworthiness. Not all applicants will qualify or qualify for the lowest rate. See current rates and terms. Membership required–based on eligibility. “As low as” rate at each loan includes a 0.50% discount for ACH/automatic payments. Actual payment depends on the term chosen. For example, a $500 loan with a term of 36 months at 3.99% is approximately $29.97 per month per $1,000 borrowed. Actual payment will vary based on the total amount financed. A one-time $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. Must qualify for membership. A $2.00 membership fee may apply.
Say Yes to Summer Plans with a Personal Loan
An ACCU personal loan can help you cover travel, tackle big expenses, or consolidate high-interest debt into one lower monthly payment. Start your summer stress-free with a fast online loan approval2 and competitive interest rates.
2 – Not all applicants will be approved for a personal loan. APR = Annual Percentage Rate. 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. $50.00 loan processing fee for Debt Consolidation. For a $10,000 signature loan with a 60-month term at 8.99% APR, the approximate monthly payment will be $21.24 per $1,000 borrowed.
Summer Savings That Go Further
| Account Feature | High-Yield Savings | Elite Checking |
|---|---|---|
| APY and Tiers | 3.25% APY3 on balances from $0.01 - $300,000 0.50% APY3 on balances above $300,000 | 3.50% APY4 |
| Minimum Deposit to Open | $10,000; must be new money | $100 |
| Compounded / Paid | Quarterly | Monthly |
| Monthly Service Fee | $4.95 (waived if your balance is $10,000 or more) | $9.95 (waived if you meet certain activities criteria5) |
| Perks & Benefits |
|
|
3 – APY = Annual Percentage Yield (APY) and is accurate as of August 18, 2026. If the account balance drops below $10,000, the account may incur a maintenance fee per the fee schedule. This offer is for new funds or funds deposited less than 30 days prior to opening the high-yield savings account. This account is not available to be opened in the name of a revocable or irrevocable trust. This account is limited to six (6) transfers/withdrawals per calendar month. A fee of $10.00 per additional withdrawal/transfer during the same month may be incurred. Fees may reduce earnings on the account. Offers, rates, terms and conditions are subject to change or discontinue without notice. Certain restrictions apply. New members must qualify for membership and must pay a $2.00 membership fee.
4 – APY = Annual Percentage Yield. APY assumes original balance and earnings remain on deposit and rate holds constant for 365 days. Rate quoted effective as of August 18, 2026 and applies on the first $14,999.99; thereafter an APY of 0.25% will be applied on every $0.01 above $14,999.99.
5 – Elite Checking has no monthly service fee when you do at least one of the following options per calendar month:
– Make 12 Visa® debit card transactions AND have electronic deposits made into this account totaling $2,000 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network. OR;
– Maintain a combined total of $50,000 or more of personal loan and/or deposit balances. Otherwise, the applicable monthly service fee of $9.95 will apply starting on the month-end billing cycle after the 45th day after account opening. Fees may reduce earnings.
Digital Banking for Summer On the Go
Wherever summer takes you, stay connected to your money with ACCU’s online and mobile banking tools. Easily manage your finances, check balances, transfer funds, and pay bills from your phone or computer—no matter where you are.
Convenient digital services include:
- Direct Deposit for faster access to your paycheck
- eStatements for secure, paperless account management6
- Online Bill Pay to schedule and track payments6
- Co‑Op ATMs & Shared Branching for nationwide access7
- Online & Mobile Banking for 24/7 account control6
6 – Online Banking, E-Statements, Online Bill Pay, and Mobile Banking are free services provided by America’s Christian Credit Union. Message and data rates may still apply.
7 – Via Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations.
More Fun Per Swipe
| Account Feature | Share-Secured Visa® | Visa® Platinum | Visa® Signature Rewards |
|---|---|---|---|
 |  |  | |
| Card Limit | $1,000 - $10,000 | $1,000 - $30,000 | $5,000 - $30,000 |
| Variable APR | 21.49% - 25.00% | 13.90% - 18.90% | 13.65% - 21.65% |
| Benefits | Introductory APRs8: For the first 6 months from card issuance:
| Introductory APRs8: For the first 6 months from card issuance:
| Introductory APRs8: For the first 6 months from card issuance:
|
8 – APR = Annual Percentage Rate.
9 – Donations made by America’s Christian Credit Union.
10 – 90 day period begins from the issuance date of the credit card. Donations do not count towards purchase totals for introductory offer. Offer for consumer only.
Share-Secured Visa® Credit Card: 0% Annual Percentage Rate on new purchases within the first 6 months of opening the credit card. After that, your APR will be 21.49% to 25.00%. 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. Rates, terms and conditions subject to change. Subject to credit approval. View the full disclosure for Share-Secured Visa® Credit Card to learn more.
Visa Platinum Card: 0% Annual Percentage Rate on new purchases within the first 6 months of opening the credit card. After that, your APR will be 13.90% 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 Platinum credit card may be approved for a 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 Platinum Card to learn more.
Visa Signature Rewards Card: 0% Annual Percentage Rate on new purchases within the first 6 months of opening the credit card. After that, your APR will be 13.65% to 21.65%. 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 Card to learn more.