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UPCI + ACCU
We are proud to partner with United Pentecostal Church International (UPCI), as we work together in ministry building and supporting Kingdom causes. As a member of UPCI, your affiliation qualifies you for membership with America’s Christian Credit Union (ACCU), which gives you 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.
Exclusive Offer: How to Earn $200
- Join ACCU and open an Elite Checking account1 using the form on this page
- Enroll in Online Banking
- Inside Online Banking, submit the referral code provided to you
- Register for e-Statements
- Within 60 days, make 12 Visa® debit card transactions2 AND have electronic deposits made into the new Elite Checking account totaling $2,000.00 or more3
Once all of the activities above are completed, you will receive the $200 bonus in your ACCU Elite Checking account.4
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.
Join ACCU Today
1 – Account requirements must be met to qualify for this promotion. Promotion applies to members with a new Elite Checking account opened after 06/15/2026. Business/Entity members do not qualify for this promotion. Accounts must be in good standing to receive the bonus; “good standing” is defined as having no negative balances on any share account or delinquencies on loans held at America’s Christian Credit Union during the promotion and assessment periods.
2 – The 12 qualifying debit card transactions must be point of sale or merchant transactions. ATM transactions do not qualify. Qualifying activities must be completed within 60 days of code redemption or before the promotion expires on 12/31/2026, whichever comes first.
3 – The qualifying direct deposits totaling $2.000.00 or more do not include transactions from money transfer applications and person-to-person transfer applications. Qualifying direct deposits include payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network. Qualifying activities must be completed within 60 days of code redemption or before the promotion expires on 12/31/2026, whichever comes first.
4 – Any earned bonuses are paid by day 75 of the referred member’s code redemption to allow 15 days for processing after the initial 60 day redemption period, or the end of the promotional period – whichever occurs first. For referred members to receive a $200 bonus, members must have a qualifying Elite Checking account with America’s Christian Credit Union at time of payout(s). Members may not refer themselves or use their own referral codes. Any bonuses issued are reported as income and may be subject to income tax.
America’s Christian Credit Union reserves the right to, in its sole discretion, disqualify any entrant who has tampered with the operation of the referral promotion, is acting in violation of the parameters of the program, or is otherwise operating in a manner deemed abusive to the spirit of the referral program. America’s Christian Credit Union reserves the right to seek damages, including attorney’s fees, and all other available lawful remedies against any party or person who, using any manner or method, tampers with or attempts to tamper with, damage, or destroy the operation or administration of the referral promotion and may terminate the promotion at any time without notice.