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: 0.10%, MMA: 0.25%

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Americas Christian Credit Union

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Americas Christian Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Americas Christian Credit Union's 22 Month New Money CD rates are at 4.50%, 22 Month Term CD rates are at 4.50%, 10 Month New Money CD rates are at 4.25%, 10 Month Term CD rates are at 4.25%, Corporate 10-Month New Money CD rates are at 4.25%. Americas Christian Credit Union's savings rates are at 0.10%. Americas Christian Credit Union's money market rates are at 0.25%. 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%. 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 8.48%. Rates last updated and verified on 09/22/2026.

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

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.48%

Excellent Higher than avg

Health Trend

Worsening 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

Americas Christian Credit Union CD Rates

Product	Rate	APY	Term
22 Month New Money Certificate	4.41%	4.50%	22 Month
Min Deposit $5,000 Min Balance $5,000 Details Restrictions apply. Learn more. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
22 Month Term Share Certificate	4.41%	4.50%	22 Month
Min Deposit $20,000 Min Balance $20,000 Details Restrictions apply. Learn more. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
10 Month New Money Certificate	4.17%	4.25%	10 Month
Min Deposit $5,000 Min Balance $5,000 Details Restrictions apply. Learn more. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
10 Month Term Share Certificate	4.17%	4.25%	10 Month
Min Deposit $20,000 Min Balance $20,000 Details For new members only. Restrictions apply. Learn more. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Corporate 10-Month New Money Certificate	-	4.25%	10-Month
Min Deposit $20,000 Min Balance $20,000 Details New money only. For corporate members. Maximum aggregate balance for corporate members is $5,000,000. Existing corporate members are not eligible for the 10-Month Certificate Accounts. Corporate members who have opened their account within the last 60 days are eligible to open a corporate 10-Month Certificate. Corporate members who have opened membership on or after 02/01/2025 are eligible to open a corporate 10-Month Certificate. Dividends are compounded monthly and credited monthly. Dividends begin accruing on the business day the deposit is received. Balance Computation Method: We compute the balance in our share accounts to determine the dividends you will be paid by using the daily balance method which applies a daily periodic rate to the balance in your account each day. Early withdrawal penalties: A penalty may be imposed for withdrawals made before maturity. The penalty may reduce the principal balance. Funding Restrictions: No additional deposits can be made during the term of the 10-Month Certificate. This offer is for new members and existing members. The account must be funded with new funds or funds deposited less than 30 days prior to opening. Offer valid beginning 02/18/2025. At maturity, the 10-Month Certificate will renew as a traditional 9-Month Certificate at the prevailing rate unless we are notified prior to or within 7 days of maturity date. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
24 Month Certificate	3.69%	3.75%	24 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
18 Month Certificate	3.54%	3.60%	18 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
12 Month Certificate	3.45%	3.50%	12 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
12 Month New Member	3.45%	3.50%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details For new members only. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
12 Month IRA Certificate	3.21%	3.25%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
9 Month Certificate	3.20%	3.25%	9 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
36 Month Certificate	2.96%	3.00%	36 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
36 Month IRA Certificate	2.97%	3.00%	36 Month
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
6 Month Certificate	2.96%	3.00%	6 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
24 Month IRA Certificate	2.72%	2.75%	24 Month
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
3 Month Certificate	2.72%	2.75%	3 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
48 Month Certificate	2.47%	2.50%	48 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
48 Month IRA Certificate	2.48%	2.50%	48 Month
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
60 Month Certificate	2.23%	2.25%	60 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
60 Month IRA Certificate	2.23%	2.25%	60 Month
Min Deposit $500 Min Balance $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%

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 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
High-Yield Savings	3.21%	3.25%
Min Deposit $10,000 Min Balance $0 Details Balance: $0.01 - $10,000; Rate Type: Variable; Compounded / Paid: Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
High-Yield Savings	3.21%	3.25%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.01 - $300,000; Rate Type: Variable; Compounded / Paid: Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Christmas Club	1.00%	1.00%
Min Deposit $10 Min Balance $10 Details Rate Type: Variable; Compounded / Paid: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
High-Yield Savings	0.50%	0.50%
Min Deposit $10,000 Min Balance $300,000 Details Balance: $300,000.01 - $499,999.99; Rate Type: Variable; Compounded / Paid: Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
High-Yield Savings	0.50%	0.50%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000.00 and up; Rate Type: Variable; Compounded / Paid: Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Share / Savings	0.50%	0.50%
Min Deposit $50 Min Balance $50 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
High-Yield Savings	-	0.25%
Min Balance $20,000 Details If the balance exceeds $20,000, the rate drops to the Regular Share/Savings rate of 0.10% APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Vacation Club	0.15%	0.15%
Min Deposit $5 Min Balance $5 Details Rate Type: Variable; Compounded / Paid: Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Youth / Varsity Savings	0.15%	0.15%
Min Deposit $0 Min Balance $25 Details Balance: $25; Rate Type: Variable; Compounded / Paid: Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Christmas Club	-	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Regular Share/Savings	0.10%	0.10%
Min Deposit $0 Min Balance $100 Details Balance: $100; Rate Type: Variable; Compounded / Paid: Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Student Savings Account	0.10%	0.10%
Min Deposit $0 Min Balance $100 Details Balance: $100; Rate Type: Variable; Compounded / Paid: Quarterly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Vacation Club	-	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Youth / Varsity Savings	-	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%

Americas Christian Credit Union Money Market Rates

Product	Rate	APY
Corporate Money Market	-	4.40%
Min Deposit $2,500 Min Balance $2,500 Details Today's Rate - Valid 09/22/2026. If the average daily balance falls below $2,500, the account will be charged $10.00, monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Corporate Money Market Accounts	3.20%	3.25%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Money Market Accounts	2.96%	3.00%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 and up; Compounded / Paid: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Corporate Money Market Accounts	2.52%	2.55%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000 - $4,999,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Corporate Money Market Accounts	1.39%	1.40%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Corporate Money Market Accounts	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Money Market Accounts	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Compounded / Paid: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Corporate Money Market Accounts	0.90%	0.90%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Money Market Accounts	0.90%	0.90%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Compounded / Paid: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Corporate Money Market Accounts	0.80%	0.80%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Money Market Accounts	0.80%	0.80%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $49,999.99; Compounded / Paid: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Money Market Accounts	-	0.25%
Min Balance $2,500 Details If the balance falls below $2,500, the rate drops to the Regular Share/Savings rate of 0.10% APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%

Americas Christian Credit Union Checking Rates

Product	Rate	APY
Elite Checking Tier 1	3.45%	3.50%
Min Deposit $100 Min Balance $0 Details Balance: $0.01; Rate Type: Variable; Compounded / Paid: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Elite Checking Tier 2	0.25%	0.25%
Min Deposit $100 Min Balance $15,000 Details Balance: $15,000.00; Rate Type: Variable; Compounded / Paid: Monthly Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Corporate Checking	0.05%	0.05%
Min Deposit $100 Min Balance $1,500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%

Americas Christian Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC Quarterly Adjustable	-	-	6.75%	30 Years
Details Loan Minimum: $20,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
HELOC Annual Adjustable	-	-	7.25%	30 Years
Details Loan Minimum: $20,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
HELOC 3-Year Re-Price	-	-	8.50%	30 Years
Details Loan Minimum: $20,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
HELOC Non-Owner Occupied	-	-	9.50%	30 Years
Details Loan Minimum: $20,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%

Americas Christian Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	3.99%	36 Months
Details Loan Maximum: $130,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
New Auto	-	-	3.99%	48 Months
Details Loan Maximum: $130,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Used Auto	-	-	4.24%	36 Months
Details Loan Maximum: $130,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Used Auto	-	-	4.24%	48 Months
Details Loan Maximum: $130,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
New Auto	-	-	4.49%	60 Months
Details Loan Maximum: $130,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Used Auto	-	-	4.74%	60 Months
Details Loan Maximum: $130,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
New Auto	-	-	4.99%	72 Months
Details Loan Maximum: $130,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
New Auto	-	-	4.99%	84 Months
Details Loan Maximum: $130,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Used Auto	-	-	5.24%	72 Months
Details Loan Maximum: $130,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Used Auto	-	-	5.24%	84 Months
Details Loan Maximum: $130,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
First Time Auto Buyer	-	-	6.54%	36 Months
Details Loan Maximum: $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
First Time Auto Buyer	-	-	6.99%	48 Months
Details Loan Maximum: $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
First Time Auto Buyer	-	-	7.49%	60 Months
Details Loan Maximum: $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
First Time Auto Buyer	-	-	7.74%	72 Months
Details Loan Maximum: $25,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%

Americas Christian Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Large RVs Loan	-	4.99%	60 Months
Details Loan Maximum: $130,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Small RVs Loan	-	5.24%	60 Months
Details Loan Maximum: $130,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Large RVs Loan	-	6.25%	72 Months
Details Loan Maximum: $130,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Large RVs Loan	-	6.50%	84 - 144 Months
Details Loan Maximum: $130,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Small RVs Loan	-	6.75%	72 Months
Details Loan Maximum: $130,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Small RVs Loan	-	7.25%	84 Months
Details Loan Maximum: $130,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%

Americas Christian Credit Union Credit Card Rates

Product	Rate	APR
Business Visa Ministry Rewards Card	-	12.90%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Visa Business Rewards Card	-	12.90%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Visa Signature Rewards	-	13.65%
Details Minimum Credit Line Available: $5,000; Maximum Credit Line Available: $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Visa Platinum	-	13.90%
Details Minimum Credit Line Available: $1,000; Maximum Credit Line Available: $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%

Americas Christian Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	8.50%	Up to 36 months
Details Published APR range: 8.50% - 17.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Signature Loan	8.99%	37 - 60 Months
Details Published APR range: 8.99% - 17.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Debt Consolidation Loan	9.99%	37 - 60 Months
Details Published APR range: 9.99% - 18.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Visa Signature Rewards	13.65%
Details Minimum Credit Line Available: $5,000; Maximum Credit Line Available: $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%

Americas Christian Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Adoption Line of Credit	-	-	9.49%	60 Months
Details Varies Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Adoption Loan	-	-	7.99%	60 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Adoption Loan	-	-	8.99%	72 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Adoption Loan	-	-	9.99%	84 Months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
K-12 Installment Loan	-	-	8.50%	Up to 36 months
Details Published APR range: 8.50% - 17.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
K-12 Installment Loan	-	-	8.99%	37 - 60 Months
Details Published APR range: 8.99% - 17.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Line of Credit	-	-	11.00%
Details Published APR range: 11.00% - 18.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
12 Month Term Share Certificate	3.45%	-	3.50%	12 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
18 Month Term Share Certificate	3.54%	-	3.60%	18 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
24 Month Term Share Certificate	3.69%	-	3.75%	24 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
3 Month Term Share Certificate	2.72%	-	2.75%	3 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
36 Month Term Share Certificate	2.96%	-	3.00%	36 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
48 Month Term Share Certificate	2.47%	-	2.50%	48 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
6 Month Term Share Certificate	2.96%	-	3.00%	6 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
60 Month Term Share Certificate	2.23%	-	2.25%	60 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
9 Month Term Share Certificate	3.20%	-	3.25%	9 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%
Corporate Checking	-	-	0.05%
Min Deposit $100 Min Balance $1,500 Details 1 - $100 minimum deposit required to open an interest bearing checking account. Earn dividends with more than $1,500 in deposits. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.48%

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 0.90% in Q2 2023 to 8.48% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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
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+
June 30, 2023	$612M	0.90%	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 91

Part-Time Employees 0

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 (96/100)

Texas Ratio

8.48%

Return on Assets (ROA)

0.1323%

Return on Equity (ROE)

1.5252%

Non-Performing Loans Ratio (NPL)

1.00%

Total Assets

818,406,188

Total Amount of Shares and Deposits

725,964,243

Total Shares and Deposits < 1 Year

652,194,138

Total Shares and Deposits 1 3 Years

72,039,766

Total Shares and Deposits > 3 Years

1,730,339

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

198,882,761

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

198,882,761

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

527,081,482

Total Interest Expense (Sum of items 6 8)

5,093,389

Share Certificates

2,879

Number of Accounts for Share Drafts

138,147

IRA KEOGH Accounts

561

Number of Accounts for Regular Shares

14,152

Non Member Deposits

110

Money Market Shares

537

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

1,082,896

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)

71,234,193

Total Liabilities

756,486,512

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Americas Christian Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Americas Christian Credit Union

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.

Current Americas Christian Credit Union Rates

12-Month CD3.25%
18-Month CD3.60%
24-Month CD2.75%
60-Month CD2.25%
Savings0.10%
MMA0.25%

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

Compare to Other Credit Unions

Americas Christian Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Americas Christian Credit Union Texas Ratio

Americas Christian Credit Union Health Trend

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Americas Christian Credit Union Savings Rates

Americas Christian Credit Union Money Market Rates

Americas Christian Credit Union Checking Rates

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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

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?

Current Americas Christian Credit Union Rates

Compare to Other Credit Unions