Question 1

What is America's Christian Credit Union (ACCU)?

Accepted Answer

America's Christian Credit Union (ACCU) is a federally chartered credit union dedicated to serving the financial needs of the Christian community nationwide. Headquartered in Glendora, California, ACCU manages over $770 million in assets and serves more than 125,000 members as of 2025.

The credit union specializes in faith-based banking, offering financial solutions to individuals, families, churches, ministries, Christian schools, and Christian-owned businesses. ACCU distinguishes itself by reinvesting member deposits into Kingdom purposes, supporting church growth and Christian ministry expansion across the United States.

Question 2

When was America's Christian Credit Union (ACCU) founded?

Accepted Answer

America's Christian Credit Union was founded in 1958 with a mission "To Reach, Serve, and Teach." The credit union was established on the principle of providing financial services grounded in Christian stewardship principles and Scripture-based money management guidance.

For over 65 years, ACCU has maintained this foundational mission, evolving from a small faith-based financial cooperative into a nationwide credit union serving thousands of Christian individuals, families, and ministries. The mission statement has remained unchanged since its founding, reflecting the timeless nature of its commitment to the Christian community.

Question 3

Where is America's Christian Credit Union (ACCU) headquartered?

Accepted Answer

America's Christian Credit Union is headquartered at 2100 E. Route 66 in Glendora, California. The credit union's main office and branch are located at this address, with lobby hours Monday through Friday from 9:00 AM to 5:00 PM Pacific Time.

The Glendora headquarters serves as the central hub for ACCU's operations, housing relationship managers, lending specialists, and support staff who serve members nationwide.

Question 4

Where does America's Christian Credit Union (ACCU) operate?

Accepted Answer

America's Christian Credit Union operates nationwide, serving members in all 50 states and internationally. While headquartered in California, ACCU provides financial services to Christian individuals and organizations across the United States through digital banking platforms, telephone banking, and a nationwide network of shared branches.

Through partnership with the CO-OP Network, ACCU members have access to over 5,600 shared branch locations and 30,000 surcharge-free ATMs nationwide. This includes convenient locations at retailers like 7-Eleven, Costco, and Walgreens.

The credit union's field of membership includes members and attendees of churches aligned with Wesleyan Christian doctrine, employees of Christian ministries and schools, students, and immediate family members of existing members living in the same household.

Question 5

What services does America's Christian Credit Union (ACCU) offer?

Accepted Answer

America's Christian Credit Union provides comprehensive banking services tailored to Christian individuals, families, and organizations:

Deposit Accounts: Basic Checking, Elite Checking, High-Yield Savings, Regular Share Savings, Money Market Accounts, Term Share Certificates, Christmas Club, Vacation Club, and Individual Retirement Accounts (IRAs).

Lending Products: Auto loans, home equity lines of credit (HELOC), adoption loans, signature loans, student lending, church loans, ministry loans for new construction, purchase, renovation, and refinancing.

Credit Cards: Visa Signature Rewards Credit Card with cashback and rewards points, Visa Platinum Credit Card with low rates, and Shared-Secured Visa Credit Card for building credit. All cards participate in the GiveBack program.

Digital Services: Online banking with 24/7 account access, mobile banking app for iOS and Android devices, remote check deposit, mobile payments, online bill pay, and Call24 telephone banking service available around the clock.

Specialized Services: Loan protection, overdraft coverage, Skip-a-Payment options, and access to bilingual support in English and Spanish.

Question 6

What makes America's Christian Credit Union (ACCU) unique?

Accepted Answer

America's Christian Credit Union stands apart through its distinctive faith-based approach to banking and community impact:

Kingdom Banking Philosophy: ACCU reinvests member deposits exclusively in Kingdom purposes, financing church building projects, ministry expansion, Christian schools, and Christian-owned businesses. Members can be confident their money supports causes aligned with their faith.

Adoption Loan Program: Since 2009, ACCU has facilitated approximately 2,200 adoption loans with low interest rates and flexible borrowing terms that align with the adoption timeline. This program helps Christian families answer the call to adoption without excessive financial burden.

GiveBack Program: Through ACCU's credit card program, a portion of interchange income is allocated to carefully selected Christian charities and nonprofits, including New Beginnings Adoption & Family Services, The World Mission Broadcast, and The Legacy Center. The program has contributed over $160,000 to Kingdom causes.

Ministry Expertise: ACCU's relationship managers are experienced in ministry operations, with many serving in leadership roles at their own churches. They understand the unique financial challenges churches and ministries face and provide tailored solutions for growth.

Mission-Driven Service: Every product and service is evaluated against ACCU's mission "To Reach, Serve, and Teach," ensuring alignment with Christian stewardship principles. The credit union exists to help members obey God's call in their financial lives.

Bilingual Support: Approximately one-quarter to one-third of ACCU staff speak both English and Spanish, providing accessible service to the bilingual Christian community.

Question 7

What type of financial institution is America's Christian Credit Union (ACCU)?

Accepted Answer

America's Christian Credit Union is a federal credit union chartered and regulated by the National Credit Union Administration (NCUA). As a federally insured credit union, member deposits are protected up to $250,000 by the NCUA, with additional coverage provided through ASI (Alloya Corporate Federal Credit Union).

As a not-for-profit financial cooperative, ACCU is owned by its members, who each have voting rights in credit union governance. This cooperative structure allows ACCU to offer competitive dividend rates on deposits and lower interest rates on loans compared to traditional for-profit banks.

Membership requires alignment with ACCU's field of membership, which includes members and attendees of churches, ministries, and schools aligned with Wesleyan Christian doctrine, as well as employees of these organizations and immediate family members of existing members. Prospective members must acknowledge alignment with ACCU's Statement of Faith based on Wesleyan Christian Doctrine.

The credit union operates under the principle that profits are returned to members through better rates and enhanced services rather than distributed to external shareholders.

America's Christian Credit Union (ACCU)

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About America's Christian Credit Union (ACCU) in the United States