☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Americas Christian Credit Union

iAdvertiser Disclosure

Americas Christian Credit Union Rates & Review November 2026

Q: What are the current interest rates at Americas Christian Credit Union?

Current rates for Americas Christian Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.60%, 24-Month CD: 2.75%, 60-Month CD: 2.25%, Savings: 3.75%, MMA: 4.40%

Q: What CD terms does Americas Christian Credit Union offer?

Americas Christian Credit Union CD rates are 4.25% APY for a 10 month CD, 3.25% APY for a 12 month CD, 3.60% APY for an 18 month CD, 4.50% APY for a 22 month CD, 2.75% APY for a 2 year CD and 2.25% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Americas Christian Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Americas Christian Credit Union's 22 Month Term CD rates are at 4.50%, Term CD - 22 Month New Money rates are at 4.50%, 10 Month Term CD rates are at 4.25%, Corporate 10-Month New Money CD rates are at 4.25%, Term CD - 10 Month New Money rates are at 4.25%. Americas Christian Credit Union's savings rates are at 3.75%. Americas Christian Credit Union's money market rates are at 4.40%. Americas Christian Credit Union's checking rates are as high as 3.50%. Americas Christian Credit Union's Personal Loan Rates are as low as 8.50%. Americas Christian Credit Union's Credit Card Rates are at 12.90%. Americas Christian Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Americas Christian Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.99%. Rates last updated and verified on 10/30/2026.

Americas Christian Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Americas Christian Credit Union? Share your experience about Americas Christian Credit Union by leaving a review below, or read customer reviews before you decide to use Americas Christian Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.99%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Americas Christian Credit Union
America's Christian Credit Union

2100 E Route 66 Ste 100
Glendora, CA 91740-4623

https://www.americaschristiancu.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Americas Christian Credit Union CD Rates

Product	Rate	APY	Term
22 Month Term Share Certificate	4.41%	4.50%	22 Month
Min Deposit $5,000 Min Balance $5,000 Details New Money; Maximum Balance: $5,000,000; Restrictions apply. Learn more.; Compounded: Monthly; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Term Share Certificate - 22 Month New Money	4.41%	4.50%	22 Month
Min Deposit $20,000 Min Balance $20,000 Details New Money; Maximum Balance: $10,000,000; Restrictions apply. Learn more. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
10 Month Term Share Certificate	4.17%	4.25%	10 Month
Min Deposit $5,000 Min Balance $5,000 Details New Money; Maximum Balance: $1,000,000; Restrictions apply. Learn more.; Compounded: Monthly; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Corporate 10-Month New Money Certificate	-	4.25%	10-Month
Min Deposit $20,000 Min Balance $20,000 Details Corporate members; $5,000,000 maximum aggregate balance; New money only; No monthly maintenance fees; Fixed rate; Dividends compounded and credited monthly; Early withdrawal penalty applies; At maturity renews as a 9-Month Certificate at prevailing rate unless notified Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Term Share Certificate - 10 Month New Money	4.17%	4.25%	10 Month
Min Deposit $20,000 Min Balance $20,000 Details New Money; Maximum Balance: $5,000,000; For new members only. Restrictions apply. Learn more. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
24 Month Term Share Certificate	3.69%	3.75%	24 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded: Monthly; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
18 Month Term Share Certificate	3.54%	3.60%	18 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded: Monthly; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
12 Month Term Share Certificate	3.45%	3.50%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details New Member; For new members only. Maximum Balance: $1,000,000; Restrictions apply. Learn more.; Compounded: Monthly; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
IRA 12 Month New Member	3.45%	3.50%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details Rate Type: Fixed; Compounded: Monthly; Special Terms: For new members only. Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Term Share Certificate - 12 Month New Member	3.45%	3.50%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details New Member; Maximum Balance: $1,000,000; For new members only. Restrictions apply. Learn more. Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
9 Month Term Share Certificate	3.20%	3.25%	9 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded: Monthly; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
IRA 12 Month Certificate	3.21%	3.25%	12 Month
Min Deposit $500 Min Balance $500 Details Rate Type: Fixed; Compounded: Quarterly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
36 Month Term Share Certificate	2.96%	3.00%	36 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded: Monthly; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
6 Month Term Share Certificate	2.96%	3.00%	6 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded: Monthly; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
IRA 36 Month Certificate	2.97%	3.00%	36 Month
Min Deposit $500 Min Balance $500 Details Rate Type: Fixed; Compounded: Quarterly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
3 Month Term Share Certificate	2.72%	2.75%	3 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded: Monthly; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
IRA 24 Month Certificate	2.72%	2.75%	24 Month
Min Deposit $500 Min Balance $500 Details Rate Type: Fixed; Compounded: Quarterly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
48 Month Term Share Certificate	2.47%	2.50%	48 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded: Monthly; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
IRA 48 Month Certificate	2.48%	2.50%	48 Month
Min Deposit $500 Min Balance $500 Details Rate Type: Fixed; Compounded: Quarterly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
60 Month Term Share Certificate	2.23%	2.25%	60 Month
Min Deposit $1,000 Min Balance $1,000 Details Compounded: Monthly; Rate Type: Fixed Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
IRA 60 Month Certificate	2.23%	2.25%	60 Month
Min Deposit $500 Min Balance $500 Details Rate Type: Fixed; Compounded: Quarterly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

Americas Christian Credit Union Savings Rates

Product	Rate	APY
High-Yield Savings Balance 1	3.70%	3.75%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $300,000; Rate Type: Variable; Compounded / Paid: Quarterly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
High-Yield Savings Balance 1	3.21%	3.25%
Min Deposit $10,000 Min Balance $0 Details Balance: $0.01 - $10,000; Rate Type: Variable; Compounded: Quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
High-Yield Savings Balance 2	3.21%	3.25%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.01 - $300,000; Rate Type: Variable; Compounded: Quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Christmas Club	1.00%	1.00%
Min Deposit $10 Min Balance $10 Details Maximum Balance: $20,000; Compounded: Monthly; Rate Type: Variable; If the balance exceeds $20,000, the rate drops to the Regular Share/Savings rate of 0.10% APY Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
High-Yield Savings Balance 2	0.50%	0.50%
Min Balance $300,000 Details Balance: $300,000.01 - $499,999.99; Rate Type: Variable; Compounded / Paid: Quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
High-Yield Savings Balance 3	0.50%	0.50%
Min Deposit $10,000 Min Balance $300,000 Details Balance: $300,000.01 - $499,999.99; Rate Type: Variable; Compounded: Quarterly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
High-Yield Savings Balance 3	0.50%	0.50%
Min Balance $500,000 Details Balance: $500,000.00 and up; Rate Type: Variable; Compounded / Paid: Quarterly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
High-Yield Savings Balance 4	0.50%	0.50%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000.00 and up; Rate Type: Variable; Compounded: Quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
IRA Share / Savings	0.50%	0.50%
Min Deposit $50 Min Balance $50 Details Rate Type: Variable; Compounded: Quarterly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vacation Club	0.15%	0.15%
Min Deposit $5 Min Balance $5 Details Maximum Balance: $20,000; Compounded: Quarterly; Rate Type: Variable; If the balance exceeds $20,000, the rate drops to the Regular Share/Savings rate of 0.10% APY Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Youth / Varsity Savings	0.15%	0.15%
Min Deposit $0 Min Balance $25 Details Rate Type: Variable; Compounded: Quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Regular Share/Savings	0.10%	0.10%
Min Deposit $0 Min Balance $100 Details Rate Type: Variable; Compounded: Quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Student Savings Account	0.10%	0.10%
Min Deposit $0 Min Balance $100 Details Rate Type: Variable; Compounded: Quarterly Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

Americas Christian Credit Union Money Market Rates

Product	Rate	APY
Corporate Money Market Account	-	4.40%
Min Deposit $2,500 Details Today's Rate - Valid 10/29/2026; Tier 8; Rate tiers depend on balance, contact business banking team at (800) 343-6328 Option 3 for full tier information; $10.00 monthly fee if average balance falls below $2,500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Corporate Money Market Accounts	3.20%	3.25%
Min Deposit $2,500 Min Balance $500,000 Details Balance: Tier 5 (minimum balance to earn dividends $500,000); Variable rate; Compounded Daily / Monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Money Market Accounts	2.96%	3.00%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 and up; Compounded monthly; Variable; Footnote 2: if balance falls below $2,500, rate drops to the Regular Share/Savings rate of 0.10% APY Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Corporate Money Market Accounts	2.52%	2.55%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: Tier 6 (minimum balance to earn dividends $1,000,000); Variable rate; Compounded Daily / Monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Corporate Money Market Accounts	1.39%	1.40%
Min Deposit $2,500 Min Balance $250,000 Details Balance: Tier 4 (minimum balance to earn dividends $250,000); Variable rate; Compounded Daily / Monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Corporate Money Market Accounts	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: Tier 3 (minimum balance to earn dividends $100,000); Variable rate; Compounded Daily / Monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Money Market Accounts	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Compounded monthly; Variable; Footnote 2: if balance falls below $2,500, rate drops to the Regular Share/Savings rate of 0.10% APY Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Corporate Money Market Accounts	0.90%	0.90%
Min Deposit $2,500 Min Balance $25,000 Details Balance: Tier 2 (minimum balance to earn dividends $25,000); Variable rate; Compounded Daily / Monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Money Market Accounts	0.90%	0.90%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Compounded monthly; Variable; Footnote 2: if balance falls below $2,500, rate drops to the Regular Share/Savings rate of 0.10% APY Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Corporate Money Market Accounts	0.80%	0.80%
Min Deposit $2,500 Min Balance $0 Details Balance: Tier 1 (minimum balance to earn dividends $0); Variable rate; Compounded Daily / Monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Money Market Accounts	0.80%	0.80%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $49,999.99; Compounded monthly; Variable; Footnote 2: if balance falls below $2,500, rate drops to the Regular Share/Savings rate of 0.10% APY Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 0.80% → 0.80% ▼ 0.00 pts · high 0.80% / low 0.25% Oct 14, 20260.80%▲ from 0.25% Oct 10, 20260.25%▼ from 0.80% Sep 14, 20260.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

Americas Christian Credit Union Checking Rates

Product	Rate	APY
Elite Checking	3.45%	3.50%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 and over; Rate Type: Variable; Compounded/Paid: Monthly Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Elite Checking	0.25%	0.25%
Min Deposit $100 Min Balance $15,000 Details Balance: $15,000.00 and over; Rate Type: Variable; Compounded/Paid: Monthly Last Updated 10/30/2026 Rate History No change since Oct 1, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Corporate Checking	0.05%	0.05%
Min Deposit $100 Min Balance $1,500 Details Rate Type: Variable; Compounded / Paid: Monthly Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

Americas Christian Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC Quarterly Adjustable	-	-	7.00%	30 Years
Details As Low As; Loan Minimum: $20,000; Variable rate tied to WSJ Prime plus margin; APR will not exceed 14.75% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 10, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
HELOC Annual Adjustable	-	-	7.50%	30 Years
Details As Low As; Loan Minimum: $20,000; Variable rate tied to WSJ Prime plus margin; APR will not exceed 14.75% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 10, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
HELOC 3-Year Re-Price	-	-	8.00%	30 Years
Details As Low As; Loan Minimum: $20,000; Variable rate tied to WSJ Prime plus margin; APR will not exceed 14.75% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.50% → 8.00% ▼ 0.50 pts · high 8.50% / low 8.00% Oct 10, 20268.00%▼ from 8.50% Sep 14, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
HELOC Non-Owner Occupied	-	-	9.00%	30 Years
Details As Low As; Loan Minimum: $20,000; Variable rate tied to WSJ Prime plus margin; APR will not exceed 14.75% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 9.50% → 9.00% ▼ 0.50 pts · high 9.50% / low 9.00% Oct 10, 20269.00%▼ from 9.50% Sep 14, 20269.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

Americas Christian Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loans - New Auto	-	-	3.99%	36 Months
Details As Low As; Loan Minimum: $500; Loan Maximum: $130,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - New Auto	-	-	3.99%	48 Months
Details As Low As; Loan Minimum: $5,000; Loan Maximum: $130,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - Used Auto	-	-	4.24%	36 Months
Details As Low As; Loan Minimum: $500; Loan Maximum: $130,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - Used Auto	-	-	4.24%	48 Months
Details As Low As; Loan Minimum: $5,000; Loan Maximum: $130,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - New Auto	-	-	4.49%	60 Months
Details As Low As; Loan Minimum: $10,000; Loan Maximum: $130,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - Used Auto	-	-	4.74%	60 Months
Details As Low As; Loan Minimum: $10,000; Loan Maximum: $130,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - Large RVs	-	-	4.99%	60 Months
Details As Low As; Large Recreational Vehicles include Motorhomes, Trailers, Boats, Van Conversions, and Fifth-Wheels; Loan Minimum: $5,000; Loan Maximum: $130,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - New Auto	-	-	4.99%	72 Months
Details As Low As; Loan Minimum: $15,000; Loan Maximum: $130,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - New Auto	-	-	4.99%	84 Months
Details As Low As; Loan Minimum: $25,000; Loan Maximum: $130,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - Small RVs	-	-	5.24%	60 Months
Details As Low As; Small Recreational Vehicles include Motorcycles, UTVs, Side-by-Sides, ATVs, Dirt Bikes, and Small Watercraft; Loan Minimum: $500; Loan Maximum: $130,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - Used Auto	-	-	5.24%	72 Months
Details As Low As; Loan Minimum: $15,000; Loan Maximum: $130,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - Used Auto	-	-	5.24%	84 Months
Details As Low As; Loan Minimum: $25,000; Loan Maximum: $130,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - Large RVs	-	-	6.25%	72 Months
Details As Low As; Large Recreational Vehicles include Motorhomes, Trailers, Boats, Van Conversions, and Fifth-Wheels; Loan Minimum: $20,000; Loan Maximum: $130,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - Large RVs	-	-	6.50%	84 - 144 Months
Details As Low As; Large Recreational Vehicles include Motorhomes, Trailers, Boats, Van Conversions, and Fifth-Wheels; Loan Minimum: $30,000; Loan Maximum: $130,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - First Time Auto Buyer	-	-	6.54%	36 Months
Details As Low As; Loan Minimum: $500; Loan Maximum: $25,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - Small RVs	-	-	6.75%	72 Months
Details As Low As; Small Recreational Vehicles include Motorcycles, UTVs, Side-by-Sides, ATVs, Dirt Bikes, and Small Watercraft; Loan Minimum: $10,000; Loan Maximum: $130,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - First Time Auto Buyer	-	-	6.99%	48 Months
Details As Low As; Loan Minimum: $500; Loan Maximum: $25,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - Small RVs	-	-	7.25%	84 Months
Details As Low As; Small Recreational Vehicles include Motorcycles, UTVs, Side-by-Sides, ATVs, Dirt Bikes, and Small Watercraft; Loan Minimum: $15,000; Loan Maximum: $130,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - First Time Auto Buyer	-	-	7.49%	60 Months
Details As Low As; Loan Minimum: $500; Loan Maximum: $25,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Vehicle Loans - First Time Auto Buyer	-	-	7.74%	72 Months
Details As Low As; Loan Minimum: $500; Loan Maximum: $25,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

Americas Christian Credit Union Credit Card Rates

Product	Rate	APR
Visa Business Rewards Card	-	12.90%
Details Credit Card Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Visa Ministry Rewards Card	-	12.90%
Details Credit Card Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 12.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Visa Signature Rewards	-	13.90%
Details As Low As; Minimum Credit Line Available: $5,000; Maximum Credit Line Available: $50,000; Advertised 'as low as' APR assumes excellent credit history. Not all will qualify for the lowest rate. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 13.65% → 13.90% ▲ 0.25 pts · high 13.90% / low 13.65% Oct 1, 202613.90%▲ from 13.65% Sep 14, 202613.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Visa Platinum	-	14.15%
Details As Low As; Minimum Credit Line Available: $1,000; Maximum Credit Line Available: $50,000; Advertised 'as low as' APR assumes excellent credit history. Not all will qualify for the lowest rate. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 13.90% → 14.15% ▲ 0.25 pts · high 14.15% / low 13.90% Oct 1, 202614.15%▲ from 13.90% Sep 14, 202613.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

Americas Christian Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	8.50%	Up to 36 months
Details As Low As; APR range 8.50% - 17.00%; Loan minimum $500; Loan maximum $50,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Signature Loan	8.99%	37 - 60 Months
Details As Low As; APR range 8.99% - 17.00%; Loan minimum $8,000; Loan maximum $50,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Debt Consolidation Loan	9.99%	37 - 60 Months
Details As Low As; APR range 9.99% - 18.00%; Loan minimum $8,000; Loan maximum $50,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Visa Signature Rewards	13.90%
Details As Low As; Minimum Credit Line Available: $5,000; Maximum Credit Line Available: $50,000; Advertised 'as low as' APR assumes excellent credit history. Not all will qualify for the lowest rate. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 13.65% → 13.90% ▲ 0.25 pts · high 13.90% / low 13.65% Oct 1, 202613.90%▲ from 13.65% Sep 14, 202613.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

Americas Christian Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Adoption Line of Credit	-	-	9.49%	60 Months
Details As Low As; Loan Minimum: $5,000; Loan Maximum: $50,000; Monthly payment per $1,000 varies on lines of credit due to fluctuating balance Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Adoption Loan	-	-	7.99%	60 Months
Details As Low As; Loan Minimum: $5,000; Loan Maximum: $50,000; Estimated monthly payment per $1,000: $20.27 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Adoption Loan	-	-	8.99%	72 Months
Details As Low As; Loan Minimum: $15,000; Loan Maximum: $50,000; Estimated monthly payment per $1,000: $18.02 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Adoption Loan	-	-	9.99%	84 Months
Details As Low As; Loan Minimum: $25,000; Loan Maximum: $50,000; Estimated monthly payment per $1,000: $16.60 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
K-12 Installment Loan	-	-	8.50%	Up to 36 months
Details APR range 8.50% - 17.00%; Loan minimum $500; Loan maximum $50,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
K-12 Installment Loan	-	-	8.99%	37 - 60 Months
Details APR range 8.99% - 17.00%; Loan minimum $8,000; Loan maximum $50,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Line of Credit	-	-	11.00%
Details As Low As; APR range 11.00% - 18.00%; Loan minimum $500; Loan maximum $2,500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Corporate Checking	-	-	0.05%
Min Deposit $100 Min Balance $1,500 Details Earn dividends with more than $1,500 in deposits; $15.00 monthly fee; Online application; Today's Rate valid 10/29/2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Americas Christian Credit Union’s Texas Ratio rose from 1.35% in Q3 2023 to 4.99% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$820M	4.99%	5.0	A+
March 31, 2026	$818M	8.48%	5.0	A
December 31, 2025	$802M	13.32%	5.0	A
September 30, 2025	$770M	3.46%	5.0	A+
June 30, 2025	$735M	3.09%	5.0	A+
March 31, 2025	$714M	2.64%	5.0	A+
December 31, 2024	$689M	2.26%	5.0	A+
September 30, 2024	$648M	1.24%	5.0	A+
June 30, 2024	$654M	1.60%	5.0	A+
March 31, 2024	$680M	2.64%	5.0	A+
December 31, 2023	$643M	0.88%	5.0	A+
September 30, 2023	$627M	1.35%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Americas Christian Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Americas Christian Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Americas Christian Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Americas Christian Credit Union

Website https://www.americaschristiancu.com

Address 2100 E Route 66 Ste 100, Glendora, CA 91740-4623

Phone 800-343-6328

Fax 626-208-5416

President Geoffrey Fellows

CEO Vicki VannBerstein

Full-Time Employees 100

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.99%

Return on Assets (ROA)

0.2344%

Return on Equity (ROE)

2.6934%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

819,754,825

Total Amount of Shares and Deposits

729,130,232

Total Shares and Deposits < 1 Year

654,301,568

Total Shares and Deposits 1 3 Years

73,381,592

Total Shares and Deposits > 3 Years

1,447,071

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

187,696,487

Total Uninsured Shares and Deposits > $250K (F+J)

187,696,487

Total Insured Shares and Deposits > $250K (item 17 less item K)

541,433,745

Total Interest Expense (Sum of items 6 8)

10,165,346

Share Certificates

2,747

Number of Accounts for Share Drafts

142,885

IRA KEOGH Accounts

538

Number of Accounts for Regular Shares

14,405

Non Member Deposits

104

Money Market Shares

533

Net Income (unless the amount is already included in Undivided Earnings)

1,921,886

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

40,518,603

Total Liabilities

757,515,522

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Americas Christian Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/americas-christian-credit-union-rates-review-68062">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Americas Christian Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Americas Christian Credit Union

Frequently Asked Questions About Americas Christian Credit Union

Does Americas Christian Credit Union offer CDs?

Yes. Americas Christian Credit Union current CD rates include its 22 Month Term CD at 4.50% APY, its Term CD - 22 Month New Money at 4.50% APY and its 10 Month Term CD at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Americas Christian Credit Union NCUA insured?

Yes. Americas Christian Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Americas Christian Credit Union?

The highest Americas Christian Credit Union CD rate is its 22 Month Term CD at 4.50% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Americas Christian Credit Union offer?

Americas Christian Credit Union CD rates are 4.25% APY for a 10 month CD, 3.25% APY for a 12 month CD, 3.60% APY for an 18 month CD, 4.50% APY for a 22 month CD, 2.75% APY for a 2 year CD and 2.25% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Americas Christian Credit Union for its full lineup.

What is the highest savings rate at Americas Christian Credit Union?

The highest Americas Christian Credit Union savings rate is its High-Yield Savings Balance 1 at 3.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Americas Christian Credit Union?

The highest Americas Christian Credit Union money market rate is its Corporate Money Market Account at 4.40% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Americas Christian Credit Union?

The highest Americas Christian Credit Union checking rate is its Elite Checking at 3.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Americas Christian Credit Union?

The lowest Americas Christian Credit Union auto loan rate is its Vehicle Loans - New Auto at 3.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Americas Christian Credit Union?

The lowest Americas Christian Credit Union personal loan rate is its Signature Loan at 8.50% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Americas Christian Credit Union?

The lowest Americas Christian Credit Union credit card APR is its Visa Business Rewards Card Credit Card at 12.90% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Americas Christian Credit Union operate?

Americas Christian Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Americas Christian Credit Union?

Yes, to access services at Americas Christian Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Americas Christian Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Americas Christian Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Americas Christian Credit Union offer online and mobile banking?

Most modern institutions like Americas Christian Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.americaschristiancu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Americas Christian Credit Union rates compare?

Americas Christian Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. Americas Christian Credit Union's top rates are its 22 Month Term CD at 4.50% APY, its High-Yield Savings Balance 1 at 3.75% APY, its Corporate Money Market Account at 4.40% APY, its Elite Checking at 3.50% APY, its Signature Loan at 8.50% APR and its Visa Business Rewards Card Credit Card at 12.90% APR, verified by MonitorBankRates on October 30, 2026.

Current Americas Christian Credit Union Rates

12-Month CD3.25%
18-Month CD3.60%
24-Month CD2.75%
60-Month CD2.25%
Savings3.75%
MMA4.40%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Americas Christian Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Americas Christian Credit Union Texas Ratio

Americas Christian Credit Union Health Trend

Americas Christian Credit Union CD Rates

Americas Christian Credit Union Savings Rates

Americas Christian Credit Union Money Market Rates

Americas Christian Credit Union Checking Rates

Americas Christian Credit Union Home Equity & HELOC

Americas Christian Credit Union Auto Loan Rates

Americas Christian Credit Union Credit Card Rates

Americas Christian Credit Union Personal Loan Rates

Americas Christian Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Americas Christian Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Americas Christian Credit Union

Does Americas Christian Credit Union offer CDs?

Are CDs from Americas Christian Credit Union NCUA insured?

What is the highest CD rate at Americas Christian Credit Union?

What CD terms does Americas Christian Credit Union offer?

What is the highest savings rate at Americas Christian Credit Union?

What is the highest money market rate at Americas Christian Credit Union?

What is the highest checking rate at Americas Christian Credit Union?

What is the lowest auto loan rate at Americas Christian Credit Union?

What is the lowest personal loan rate at Americas Christian Credit Union?

What is the lowest credit card APR at Americas Christian Credit Union?

How many branches does Americas Christian Credit Union operate?

Is a member application needed to join Americas Christian Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Americas Christian Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Americas Christian Credit Union rates compare?

Current Americas Christian Credit Union Rates

Compare to Other Credit Unions