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Americas Christian Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 10, 2026
Americas Christian Credit Union's top rates as of October 10, 2026 are 4.50% APY on its 22 Month New Money CD, 3.75% APY on savings, 4.40% APY on money market accounts, 3.50% APY on checking, personal loans from 8.50% APR, and credit cards from 12.90% APR, according to rates verified by MonitorBankRates. Other Americas Christian Credit Union CD rates include 10 Month New Money at 4.25%, Corporate 10-Month New Money CD at 4.25%, and 24 Month CD at 3.75%. 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 10/10/2026.
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.
Americas Christian Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Americas Christian Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
4.99%
ExcellentLower than avg
Americas Christian Credit Union Texas Ratio
Americas Christian Credit Union's Texas Ratio is 4.99%, which is considered excellent and is lower than the national average of 6.13%.
Americas Christian Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.35% to 4.99% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
View More
22 Month New Money
4.41%
4.50%
22 Month
Min Deposit$5,000
Min Balance$5,000
DetailsRestrictions apply. Learn more.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
10 Month New Money
4.17%
4.25%
10 Month
Min Deposit$5,000
Min Balance$5,000
DetailsRestrictions apply. Learn more.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Corporate 10-Month New Money Certificate
-
4.25%
10 months
Min Deposit$20,000
Min Balance$20,000
DetailsNew money only. 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. 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 Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
24 Month Certificate
3.69%
3.75%
24 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
18 Month Certificate
3.54%
3.60%
18 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
12 Month Certificate
3.45%
3.50%
12 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
12 Month New Member IRA
3.45%
3.50%
12 Month
Min Deposit$1,000
Min Balance$1,000
DetailsFor new members only.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
12 Month IRA
3.21%
3.25%
12 Month
Min Deposit$500
Min Balance$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
9 Month Certificate
3.20%
3.25%
9 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/10/2026
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%
36 Month Certificate
2.96%
3.00%
36 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
36 Month IRA
2.97%
3.00%
36 Month
Min Deposit$500
Min Balance$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
6 Month Certificate
2.96%
3.00%
6 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
24 Month IRA
2.72%
2.75%
24 Month
Min Deposit$500
Min Balance$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
3 Month Certificate
2.72%
2.75%
3 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
48 Month Certificate
2.47%
2.50%
48 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
48 Month IRA
2.48%
2.50%
48 Month
Min Deposit$500
Min Balance$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
60 Month Certificate
2.23%
2.25%
60 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
60 Month IRA
2.23%
2.25%
60 Month
Min Deposit$500
Min Balance$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 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
View More
High-Yield Savings Balance 1
3.70%
3.75%
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000 - $300,000
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Vacation Club
-
0.10%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Youth / Varsity Savings
-
0.10%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Americas Christian Credit Union Money Market Rates
Product
Rate
APY
View More
Corporate Money Market Account
-
4.40%
Min Deposit$2,500
Min Balance$2,500
DetailsToday's Rate - Valid 10/09/2026; Tier 8; Fees may reduce earnings on share accounts. If your average daily balance falls below $2,500, the account will be charged $10.00, monthly.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.40% APY · checked 4 times
No change since Sep 18, 2026 · 0.80% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Money Market Accounts
-
0.25%
Min Balance$2,500
DetailsIf the balance falls below $2,500, the rate drops to the Regular Share/Savings rate of 0.10% APY.
Last Updated10/10/2026
Rate History
4 changes since Sep 14, 2026 · 0.25% → 0.25% ▼ 0.00 pts · high 0.80% / low 0.25%
Oct 10, 20260.25%▼ from 0.80%
Sep 27, 20260.80%▲ from 0.25%
Sep 22, 20260.25%▼ from 0.80%
Sep 18, 20260.80%▲ from 0.25%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Americas Christian Credit Union Checking Rates
Product
Rate
APY
View More
Elite Checking
3.45%
3.50%
Min Deposit$100
Min Balance$0
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 3.50% APY · checked 2 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
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 0.25% APY · checked 2 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
DetailsVariable
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Corporate Checking
-
0.05%
Min Deposit$1,500
Min Balance$1,500
DetailsEarn dividends with more than $1,500 in deposits; Rate valid 10/09/2026
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 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
View More
HELOC Quarterly Adjustable
-
-
7.00%
30 Years
DetailsLoan Minimum: $20,000
Last Updated10/10/2026
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%
Home Equity (HELOC)
7.00%
-
7.00%
DetailsThis HELOC (Home Equity Line of Credit) is a variable rate plan as described in the applicable loan documents. Not all applicants will qualify, and not all applicants will qualify for the lowest rate. APR may vary based on the index rate plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. The current index is 7.00%. APR will not exceed 14.75%. Advertised "as low as" APR assumes excellent credit history, loan-to-value, and maximum rate discount of 0.25% for ACH/automatic payment. Qualification and APR dependent on credit history, debt to income, loan-to-value, ability to repay, homeownership, and other factors. Maximum loan-to-value ratio is 80% for owner-occupied and 70% for non-owner occupied, based on appraisal value. Available to owner and non-owner occupied, single-family dwellings. Minimum subsequent advance is $1,000. Adequate property and flood insurance are required, if applicable. Dependent on state regulations: Credit Union will pay all initial closing costs as outlined in the Waived Fee Addendum. The Credit Union will pay up to $375 for the Home Appraisal; the homeowner is responsible for the remaining balance. If the HELOC is paid off and closed within 36 months of the original note date, the fees will be added to your Account Balance and the entire amount (including any Beneficiary's Demand) must be paid prior to the issuance of a reconveyance or lien release. Closing costs (title fees, appraisal fees, survey fees, miscellaneous municipality fees, etc.) range from $750-$1500. Rates, terms, and conditions are subject to change or discontinue at any time, without notice. For a $50,000 Home Equity Line of Credit, Quarterly Adjustable, with 65% Loan to Value at 7.00% APR, the monthly payment will be approximately $334.08. There is a discount of 0.25% applied to automatic payments through an ACCU checking account or external account for the life of the loan. If automatic payments are stopped, the discount will not apply. Discount will apply after the introductory period. HELOC product is not available in Texas.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
HELOC Annual Adjustable
-
-
7.50%
30 Years
DetailsLoan Minimum: $20,000
Last Updated10/10/2026
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
DetailsLoan Minimum: $20,000
Last Updated10/10/2026
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
DetailsLoan Minimum: $20,000
Last Updated10/10/2026
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
View More
New Auto
-
-
3.99%
36 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
New Auto
-
-
3.99%
48 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Used Auto
-
-
4.24%
36 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Used Auto
-
-
4.24%
48 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
New Auto
-
-
4.49%
60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Used Auto
-
-
4.74%
60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
New Auto
-
-
4.99%
72 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
New Auto
-
-
4.99%
84 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Used Auto
-
-
5.24%
72 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Used Auto
-
-
5.24%
84 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
First Time Auto Buyer
-
-
6.54%
36 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.54% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
First Time Auto Buyer
-
-
6.99%
48 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
First Time Auto Buyer
-
-
7.49%
60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
First Time Auto Buyer
-
-
7.74%
72 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Americas Christian Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Large RVs Loan
-
4.99%
60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Small RVs Loan
-
5.24%
60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Large RVs Loan
-
6.25%
72 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Large RVs Loan
-
6.50%
84 - 144 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Small RVs Loan
-
6.75%
72 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Small RVs Loan
-
7.25%
84 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Americas Christian Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Business Rewards Card
-
12.90%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 12.90% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Visa Ministry Rewards Card
-
12.90%
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 12.90% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Visa Signature Rewards
-
13.90%
DetailsMinimum Credit Line Available: $5,000; Maximum Credit Line Available: $50,000; Click here
Last Updated10/10/2026
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%
DetailsMinimum Credit Line Available: $1,000; Maximum Credit Line Available: $50,000; Click here
Last Updated10/10/2026
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
View More
Signature Loan
8.50%
Up to 36 months
DetailsPublished APR range: 8.50% - 17.00%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Signature Loan
8.99%
37 - 60 Months
DetailsPublished APR range: 8.99% - 17.00%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Debt Consolidation Loan
9.99%
37 - 60 Months
DetailsPublished APR range: 9.99% - 18.00%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Visa Signature Rewards
13.90%
DetailsMinimum Credit Line Available: $5,000; Maximum Credit Line Available: $50,000; Click here
Last Updated10/10/2026
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
View More
Adoption Line of Credit
-
-
9.49%
60 Months
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Adoption Loan
-
-
7.99%
60 Months
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Adoption Loan
-
-
8.99%
72 Months
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Adoption Loan
-
-
9.99%
84 Months
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
K-12 Installment Loan
-
-
8.50%
Up to 36 months
DetailsPublished APR range: 8.50% - 17.00%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
K-12 Installment Loan
-
-
8.99%
37 - 60 Months
DetailsPublished APR range: 8.99% - 17.00%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Line of Credit
-
-
11.00%
DetailsPublished APR range: 11.00% - 18.00%.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.99%
Student Line of Credit
7.00%
-
7.00%
DetailsVariable rate plan. Not all applicants will qualify for the lowest rate. APR may vary based on the index rate plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. The current index is 7.00%. APR will not exceed 14.75%. Advertised "as low as" APR assumes excellent credit history. Qualification and APR dependent on credit history, debt to income, loan-to-value, ability to repay, homeownership, and other factors.
Last Updated10/10/2026
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%
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.
Address
2100 E Route 66 Ste 100,
Glendora, CA 91740-4623
Phone800-343-6328
Fax626-208-5416
PresidentGeoffrey Fellows
CEOVicki VannBerstein
Full-Time Employees100
Part-Time Employees1
Branch Locations1
ATM Locations1
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
Q2 2026 MBR Health & Safety Badge
Americas Christian Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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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%
Savings3.75%
MMA4.40%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
