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Switch Banks to ACCU
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. 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.
Where You Bank Matters
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 60 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.
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!
Earn $100
when you open a checking account + savings account1
- Open a Secure or Basic Checking account using promo code “SWITCH” and deposit a minimum of $500 1
- Open a Regular Share/Savings Account using promo code “SWITCH” and deposit a minimum of $1,000 into the savings account1
Earn Up To $400
in dividends when you open a new member certificate2
- Open a New Member Certificate and deposit $10,0002
- Earn $400 in dividends at an APY of 4.00%2
1 – Switch Bonus: $100 “bonus” is valid for new consumer checking and savings accounts established after 01/15/2023 using promo code “SWITCH” at account opening. To qualify for the $100 bonus, a member must 1) open a new Basic or Secure Checking account with a debit card and deposit a minimum of $500 and 2) open a new consumer savings account and deposit a minimum of $1,000. Both checking and savings accounts must be in good standing for a minimum of 90 days. Funds deposited into the savings account must be on deposit for a minimum of 90 days. The $100 bonus will be credited to the checking account within 140 days of account opening if the above criteria are met. Basic Checking accounts do not earn dividends. Secure Checking accounts earn 0.05% APY (APY = Annual Percentage Yield) — effective as of 01/15/2023 — on account balances over $1,500. Fees may reduce earnings. Certain restrictions apply. Limited time offer expires 5/31/2024. 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.
2 – To earn $400 in dividends, you will need to fund a New Member Certificate with $10,000 for 12-months. Assumes 4.00% APY and a $10,000 deposit will remain in the account until maturity. Penalty for early withdrawal. Visit AmericasChristianCU.com/GetStarted for full product details. Minimum deposit is $1,000. Minimum deposit required to earn dividends is $1,000. Maximum deposit is $10,000. Early withdrawal penalties do apply. No additional deposits can be made during the term of the New Member Term Share Certificate. Must be opened within 60 days of account opening; or by a member who has not held, or closed, an ACCU: savings, term share certificate, money market, or loan account. Rate quoted as of 01/15/2023 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.
New members must qualify for membership and must pay a $2.00 membership fee.
Mobile App- 30,000+ surcharge-free ATMs
Via Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations. - 5,600+ shared branch locationsVia Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations.
- Mobile App
- 30,000+ surcharge-free ATMsVia Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations.
- 5,600+ shared branch locationsVia Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations.
How do I open a deposit account at America’s Christian Credit Union?
It’s quick and easy — use the form above and fill out the required information. From there, one of our membership representatives will process your request and provide instructions on the next steps 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. Get started by using the form above if you’re interested in getting started with a checking account. 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.
Can my kids qualify for membership?
Yes, teaching our kids the value of financial stewardship is a lifetime gift, and passing along ACCU membership to your Children is a great way to do that. We have a variety of youth accounts available you can explore them here: Youth/College Saving, Student Checking.