America’s Christian Credit Union


In May of 1958, five men embarked on a mission to serve the financial needs of approximately 500 Nazarene ministers within the state of California. They pooled $135 and together organized a state-chartered credit union, which was originally called Nazarene Ministers’ Credit Union.

As their financial services increased, the credit union expanded to include laymen. The founders believed they could make a difference by providing valued financial services to the fellowship of Nazarenes. In the true spirit of compassion, they even felt they could help good people with low income obtain loans and establish credit where they would otherwise be unable. It was literally Nazarenes helping other Nazarenes.

Together, by joining resources, the principle of sowing and reaping could really flourish. Each individual was actually helping the entire membership earn more on savings, and save more on interest when making loans. Their cooperative effort could actually be summed up in the phrase: “Not for profit, not for charity, but for service.”

In May of 1969, the credit union changed its charter, allowing it to serve beyond the state of California. The credit union expanded membership to include Nazarenes living within the continental U.S., a group of more than half a million potential members. In 1993, with assets exceeding $89 million, the charter was revised again, allowing participation by churches tied to Nazarene Credit Union’s existing field of membership, for the purpose of serving church loan needs along with church savings and checking needs.

In 2003 our charter was again expanded to serve members/attendees of Wesleyan-based Ministries and affiliated churches, colleges, and organizations. With this expansion came the name change to America’s Christian Credit Union. We have been blessed, and we are now prepared to share these blessings with other churches and members across America. (Learn more about the teachings of John Wesley here. Opens a New Window. )

As America’s Christian Credit Union sets its stride into a new century, we will carry along the biblical foundations upon which we began. Even more, we will always look to improve our member service. Helping one another, as Jesus taught, really works. Thus, when you join America’s Christian Credit Union, you gain so much more than a partner for all your financial needs. You gain that, and peace of mind knowing our not-for-profit operations exist to serve the work of God.

Loan Features

Auto Loans
Whether you’re driving the kids to school every day or planning a cross-country road trip, it’s important to have a reliable vehicle. Let ACCU help finance your next car, truck, or van at a rate that works with your budget.

Great, low auto loan rates starting at 1.99% APR*
Financing available for: Cars, Trucks, SUVs, Vans
Up to 100% financing, including tax and license
Used vehicles up to 100% financing of Kelley Blue Book value Opens a New Window.
Terms up to 84 months
Pre-approval available for better buying power
Refinancing available to potentially lower your rate
GAP coverage and Mechanical Breakdown Protection available
Skip-a-Payment option available
Set up payments on Auto-Pay

If you already own your car outright or if your car is worth more than you owe to another financial institution, our auto equity loans can work for you.

Our First Time Car Buyer Program is designed for young adults with no credit history. You may find it difficult to find loan approval at many financial institutions, but America’s Christian CU is committed to helping you gain your financial footing.

No credit history required
Maximum loan amount is $15,000
Personalized guidance through every step

Adoption Loans
We believe that every child deserves a forever family. Since 2009, over 1,600 children have found their forever family through the Adoption Loan Program from America’s Christian Credit Union. We are passionate about supporting the work of organizations that are helping 143 million orphans worldwide.

Adopting one of God’s children into a good home is one of the greatest callings. Many families are eager to adopt, but the costs stand in the way. America’s Christian CU can help. Our mission is “To Reach, Serve and Teach,” and we can’t imagine a greater way to live that mission than to extend the Christian family. We’ve designed an affordable solution for families wanting to adopt.

Rates as low as 5.99% APR*
Loan amounts up to $50,000
Terms up to 84 months
Domestic and international adoptions
Can finance travel costs to foreign countries
Refinance existing loan to a lower rate with us
Loan Protection Services available

Equity Adoption Loans
Use your home or auto equity to secure the loan
Variable rate options
Longer term (allows you a lower payment)
Up to 80% home loan to value, 100% auto loan to value
Domestic and international adoptions
Can finance travel costs to foreign countries
Low closing cost and no annual fees (Home Equity only)*
Refinance existing loan to a lower rate with us
Loan Protection Services available

Home Mortgage Loans
Your home is the foundation for your family. Trust that foundation with America’s Christian CU, where we still provide service with a real, live person every time you need us. Existing homeowners can refinance now to capitalize on our lower rates.

Use for any purpose, including debt consolidation or home improvement
Streamlined application process
No closing costs option
Jumbo Mortgages
5/1 ARM – Variable Rate
Debt Protection available
Interest typically tax deductible
Setup payments on Auto-Pay

Conventional Loans
5% down, no mortgage insurance option (primary residence)
10% down – second homes or Jumbo loans
15% down – investment properties

VA Loans
100% financing with no money down!
Refinance loan – no appraisal option
Cash out refinance up to 100% LTV
No closing costs options*

FHA Loans
Refinance – no income documentation or appraisal
3.5% down purchase, 85% cash out refi
No closing costs options*

HARP 2.0 Loans
Fannie Mae or Freddie Mac options
No appraisal options & no closing costs options*
No minimum credit score options
Primary residence, second homes and investment properties
Loan to value (LTV) up to 200% & combined LTV unlimited

Mortgage Refinancing
Refinancing could be right for you if you are looking to reduce your monthly payments, shorten the length of your loan, convert equity to cash, or convert an ARM to a fixed rate. There are times to refinance, and times not to refinance. If rates have dropped significantly since your mortgage, or if the current value of your home has increased, refinancing may be a good idea.

In addition to saving money, refinancing is a way to utilize your equity without selling your house. You can convert that equity into cash for home improvements, debt consolidation, paying for college, financing a vacation home, or just about anything.

How much will it cost?
Keep in mind there are closing costs associated with refinancing. These costs can be rolled into the mortgage, but that means you are adding to the principal. To determine if you will be better off refinancing for the long-term, determine how much you will save per month by refinancing. Calculate how many months it will take, based on these savings, to equal the closing costs. That is your break-even point. If you will be in the home at least that long, you come out on top.

Home Equity Loans
Utilize your work and dedication to your good home to secure a low-rate loan with great flexibility. We’ll help determine what works best for your needs — and you’ll receive the unsurpassed level of service you’ve come to expect from ACCU.

Personal Loans
With life comes the unexpected. Whether you are in need of money for large purchases or emergencies (big and small), America’s Christian Credit Union is with you every step of the way. Choose one of our personal loan options for your financing needs.

Unsecured Personal Loans
Low, competitive rates for: Weddings, Medical & Dental Bills, Consolidate Debt, Back to school expenses, Home Improvements, Veterinarian Bills, Funerals, Emergencies, Large Purchases, Taxes, Solar, A/C, Heating and more!
Borrow up to $30,000
Flexible Terms
Streamlined application process
Peace of mind that your loan supports the Christian mission
Skip-a-Payment option available
Setup payments on Auto-Pay
Loan Protection Services available

Savings Secured Loans
Get our lowest rate by using your deposits at America’s Christian CU as collateral.

Use your savings or Term Share Certificate deposits as security pledge
Continue earning dividends on deposits
Interest rate only 3% above dividend earnings
Access to funds without depleting your savings
Easy loan approval
Can be used to build or repair credit

Tired of paying high interest on credit cards? Pay them off with a GOOD loan at America’s Christian Credit Union and you could save hundreds, improve your credit score and experience financial peace. No matter what type of debt you’re in, it’s important to know there is a way out. Let ACCU help you pay off your debt faster.

Great rates as low as 6.99% APR*
Terms up to 36 months
Loan amounts up to $10,000
No annual fees
Improve your credit score
Experience financial peace

Personal Lines of Credit
Establishing a line of credit is like having a pre-approved loan waiting for you whenever you need it. Only pay interest on what is used, when you use it. And get the dedicated service of your Christian credit union — with the interest you pay being reinvested right back into your community.

Student Loans
Tuition is expensive — we can fill the gap. Federal loans may not cover your full tuition or other college expenses. As a not-for-profit credit union, we can provide lower rates and fees on private student lending to meet all your needs.

The function of this loan (line of credit) is to cover the funding gap—the difference between the cost of attendance and the amount covered by other lower-cost sources of financial aid, such as scholarships and Federal loans for undergraduates.

The maximum line of credit is $50,000 for undergraduates.
Loans with total amounts under $40,000 have a maximum repayment term of 20 years.
Loan amounts over $40,000 have a maximum repayment term of 25 years. Interest rates are variable and indexed against Wall Street Journal Prime Rate, and adjustable quarterly. Several repayment plans are available, including in school deferment (interest accrues) and graduated payment options.

Student Loan Refinance
A Student Loan Refinance with America’s Christian Credit Union can simplify your loan repayment plan because you’ll be able to refinance and consolidate your private and federal student loans into one manageable loan. Find out how you can lower your monthly bill with low fixed and variable rates. The maximum borrowing limit is $50,000 up to 15 years.

Recreational Vehicle (RV) Loans
Our low-rates are available on more than traditional auto loans. We extend easy financing for your recreational vehicles, whether they have all-wheel, two wheels, rudders, or wings. Have some fun with the help of ACCU financing!

Great low, competitive rates
Fast, easy approvals
Up to 100% wholesale Kelley Blue Book Opens a New Window. on private sales
Pre-approval available for better buying power
GAP coverage and Mechanical Breakdown Protection available
Financing for wide range of new and used vehicles, including:
RVs – terms up to 10 years
Motorcycles – up to 6 years
Boat loans – up to 6 years
Travel trailer/conversion vans – up to 70% of purchase price
Skip-a-Payment option available

Parent Loans
America’s Christian Credit Union has more options to families looking to fund a student’s educational journey. The Student Loan for Parents allows parents, family members or friends to help a student cover education-related expenses so they can focus on their studies without having to worry about financing their education. Loan available up to $25,000.00 per school year minus financial aid received (5 – 10 year loan terms available).

Application Process

Individuals and ministries nationwide can join America’s Christian Credit Union. Doing so brings you the benefits of membership:

You become an owner of the credit union, with a vote in what we do.
Typically lower loan rates and higher deposit dividends than traditional banks, because we’re a not-for-profit credit union.
Commitment to state-of-the art technology to simplify your financial life.
Peace of mind that your deposits are making a difference, helping to extend God’s ministries.

It’s easy to open an account online in just minutes. You’re eligible to join if you meet any one of the following:
Members/attendees and employees of church denominational ministries that align themselves with Wesleyan Christian doctrine
Churches, ministries and schools aligned with Wesleyan Christian doctrine;
Ministers, employees, members, officers, teachers, students and others in these churches, schools and organizations;
Organizations of such persons;
Employees of ACCU
Immediate family members living in the household of an ACCU member

Repayment Terms

Auto Loans
Traditional Auto 1.99% APR
First-Time Auto Buyer 8.49% APR
Small Recreational Vehicles (Watercraft, Motorcycle) 5.45% APR
Recreational Vehicles (Travel trailer, Motorhome, Van conversions, Fifth-Wheel) 4.49% APR

Personal Loans
Signature (12 months) 6.99% APR
Signature (up to 36 months) 7.50% APR
G.O.O.D. (Get Out Of Debt) Loan (up to 36 months) 6.99% APR
Signature (37 months – 60 months) 7.99% APR
Overdraft/Line of Credit 9.00% APR

Adoption Loans
Adoption Loan – Traditional 5.99% APR
Adoption Loan – 72 Months 6.99% APR
Adoption Loan – 84 months 7.99% APR

Home Equity Line of Credit (HELOC) Rates
Quarterly adjustable HELOC 4.25% APR
Annual adjustable HELOC 4.75% APR
3-year Re-price HELOC 5.49% APR

Private Student Loan Rates
Private Student Loans 4.25% APR
Parent Loan 4.62% APR
Student Loan Refinance 2.99% APR
Business Graduate Line of Credit 4.00% APR

Customer Support

+1 800-343-6328

2100 E Route 66
Glendora, California

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