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Earn a $100 bonus when you open a new checking account1. Offer expires on 10/15/2024. Fill out the form below to get started on your membership 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. 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.
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!
| 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. |
Manish Patel, Sonrise Christian School
Pastor Dennis Bachman, New Song Church
Jim Martindale, Commercial Real Estate Broker
Pastor John Cager, Ward A.M.E.
1 – $100.00 One-time Cash Bonus on New and Qualifying Checking Accounts
How does it work? The $100.00 one-time cash bonus is available on new consumer checking accounts opened on or after 07/15/2024. Applicants must meet the minimum requirements for a CK06 or CK03, including valid identification, verifiable personal information, valid physical address in the US, and an active Regular Share Savings account (SV01) to establish membership with ACCU. All signers authorize ACCU to make inquiries from any consumer reporting agency, including a check protection service, in connection with the new account(s). New membership with ACCU is contingent on satisfactory account verification. The bonus offer ends on 10/15/2024 and is only available for new America’s Christian Credit Union (ACCU) consumer checking accounts.
How do I qualify? Open a new Basic Checking (CK06) or Secure Checking (CK03) account between 07/15/2024 and 10/15/2024, using a qualifying promo code in the application “Promo Code” field. Members with active CK06 or CK03 checking accounts on or before 07/01/2024 do not qualify. CK06 and CK03 checking accounts have a $3.00 and $4.00 monthly paper statement fee that is waived upon enrollment in e-statements. CK03 has a monthly account service fee of $4.95 for access to additional account benefits. Visit https://americaschristiancu.com/personal/rates/ to compare account features and for complete annual percentage yields associated with ACCU accounts. The minimum amount required to open a CK03 account is $10; the minimum amount required to open a CK06 account is $15.
The qualifying promo code will be displayed or announced in marketing campaigns (contact an ACCU representative at 800-343-6328 for more details).
Limits and Exclusions: Offer is limited to one per member and one per account (including trustees and signers on joint accounts). Offer is not available for existing ACCU consumer checking account holders who have or had a CK03 or CK06 checking account prior to 07/01/2024 (including trustees and signers on joint accounts) or those who have closed an ACCU checking account within the past 12 months. New Health Care Sharing Membership accounts are not eligible for this promotion. Existing members with an active checking account with a contract date of 07/01/2024 or earlier do not qualify for this promotion.
How will I receive my bonus? The $100.00 opening bonus will be awarded to the newly established CK03 or CK06 account upon opening. The cash bonus will be paid into the checking account upon verification of qualifying promo code. Please allow up to 15 days from the date of account opening for processing.
Limited-Time Offer:
This limited-time offer expires 10/15/2024. All program rates, offers, terms, availability, and conditions are subject to change without notice. Promotional funds may be subject to 1099-MISC reporting. Any applicable taxes are the responsibility of the member. New members must qualify for membership and must pay a $2.00 membership fee. This credit union is federally insured by the National Credit Union Administration. Added savings protection provided by American Share Insurance (ASI) on qualifying member accounts in excess of that provided by NCUA. ASI is a credit union owned-share guaranty corporation. See a credit union representative for details.