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Americas Christian Credit Union Rates & Review March 2026

Americas Christian Credit Union's Corporate 10-Month New Money CD rates are at 3.85%, 10 Month New Money Term CDs rates are at 3.75%, 12 Month New Member Term CDs rates are at 3.75%, 12 Month Term CDs rates are at 3.25%, 18 Month Term CDs rates are at 3.25%. Americas Christian Credit Union's savings rates are at 0.10%. Americas Christian Credit Union's money market rates are at 0.80%. Americas Christian Credit Union's Personal Loan Rates are at 5.24%. 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 3.60%. Rates were last updated on 03/16/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.60%
Excellent Lower than avg
Americas Christian Credit Union
Americas Christian Credit Union
2100 E Route 66 Ste 100
Glendora, CA 91740 4623
https://www.americaschristiancu.com
Member NCUA

Americas Christian Credit Union CD Rates

Product Rate APY Term View More
Corporate 10-Month New Money Certificate - 3.85% 10
Min Deposit $20,000
Details $20,000 minimum deposit to open for corporate members; $5,000,000 maximum aggregate balance for corporate members; New money only; No monthly maintenance fees
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
10 Month New Money Term Share Certificates 3.69% 3.75% 10 Month
Min Deposit $5,000
Min Balance $5,000
Details Restrictions apply.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
12 Month New Member Term Share Certificates 3.69% 3.75% 12 Month
Min Deposit $1,000
Min Balance $1,000
Details For new members only. Restrictions apply.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
12 Month Term Share Certificates 3.20% 3.25% 12 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
18 Month Term Share Certificates 3.20% 3.25% 18 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
9 Month Term Share Certificates 3.20% 3.25% 9 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
36 Month Term Share Certificates 2.96% 3.00% 36 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
6 Month Term Share Certificates 2.96% 3.00% 6 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
24 Month Term Share Certificates 2.72% 2.75% 24 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
3 Month Term Share Certificates 2.72% 2.75% 3 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
48 Month Term Share Certificates 2.47% 2.50% 48 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
60 Month Term Share Certificates 2.23% 2.25% 60 Month
Min Deposit $1,000
Min Balance $1,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%

Americas Christian Credit Union Savings Rates

Product Rate APY View More
High-Yield Savings Balance 1 3.94% 4.00%
Min Deposit $50,000
Min Balance $50,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
High-Yield Savings Balance 1 3.45% 3.50%
Min Deposit $10,000
Min Balance $0
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
High-Yield Savings Balance 2 3.46% 3.50%
Min Deposit $10,000
Min Balance $10,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Christmas Club 1.00% 1.00%
Min Deposit $10
Min Balance $10
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
High-Yield Savings Balance 2 0.50% 0.50%
Min Balance $300,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
High-Yield Savings Balance 3 0.50% 0.50%
Min Balance $500,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
High-Yield Savings Balance 4 0.50% 0.50%
Min Balance $500,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Share / Savings IRA 0.50% 0.50%
Min Deposit $50
Min Balance $50
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Vacation Club 0.15% 0.15%
Min Deposit $5
Min Balance $5
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Youth / Varsity Savings 0.15% 0.15%
Min Deposit $0
Min Balance $25
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Regular Share/Savings 0.10% 0.10%
Min Balance $100
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Student Savings Account 0.10% 0.10%
Min Deposit $0
Min Balance $100
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%

Americas Christian Credit Union Money Market Rates

Product Rate APY View More
Corporate Money Market Accounts Tier 7 4.41% 4.50%
Min Balance $5,000,000
Details Variable; Daily / Monthly
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Corporate Money Market Accounts Tier 8 4.41% 4.50%
Min Balance $10,000,000
Details Variable; Daily / Monthly
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Corporate Money Market Tier 8 - 4.50%
Min Balance $2,500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Corporate Money Market Accounts Tier 5 3.45% 3.50%
Min Balance $500,000
Details Variable; Daily / Monthly
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Money Market Accounts Tier 4 3.20% 3.25%
Min Balance $250,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Corporate Money Market Accounts Tier 6 2.52% 2.55%
Min Balance $1,000,000
Details Variable; Daily / Monthly
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Corporate Money Market Accounts Tier 4 1.39% 1.40%
Min Balance $250,000
Details Variable; Daily / Monthly
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Corporate Money Market Accounts Tier 3 1.00% 1.00%
Min Balance $100,000
Details Variable; Daily / Monthly
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Money Market Accounts Tier 3 1.00% 1.00%
Min Balance $100,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Corporate Money Market Accounts Tier 2 0.90% 0.90%
Min Balance $25,000
Details Variable; Daily / Monthly
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Money Market Accounts Tier 2 0.90% 0.90%
Min Balance $50,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Corporate Money Market Accounts Tier 1 0.80% 0.80%
Min Deposit $2,500
Details Variable; Daily / Monthly
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Money Market Accounts Tier 1 0.80% 0.80%
Min Deposit $2,500
Min Balance $2,500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%

Americas Christian Credit Union Checking Rates

Product Rate APY View More
Elite Checking Tier 1 3.93% 4.00%
Min Deposit $100
Min Balance $0
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Elite Checking Tier 2 0.25% 0.25%
Min Deposit $100
Min Balance $15,000
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Corporate Checking 0.05% 0.05%
Min Deposit $100
Min Balance $1,500
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%

Americas Christian Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HELOC Quarterly Adjustable - - 6.75% 30 Years
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Home Equity Line of Credit - - 6.75%
Details As Low As; 0.25% discount with automatic payments
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
HELOC Annual Adjustable - - 7.25% 30 Years
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
HELOC 3-Year Re-Price - - 8.50% 30 Years
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
HELOC Non-Owner Occupied - - 9.50% 30 Years
Details As Low As
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%

Americas Christian Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan Refinance - - 5.24%
Details As Low As; See All Auto Rate Terms and Ranges
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%

Americas Christian Credit Union Credit Card Rates

Product Rate APR View More
Visa Signature Rewards Credit Card - 0.00%
Details Intro rate expires: 6 months; Regular APR: 13.65% - 21.65%
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Visa® Business Rewards Card - 12.90%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Visa® Ministry Rewards Card - 12.90%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Visa® Signature Rewards - 13.65%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%
Visa® Platinum - 13.90%
No additional details.
Last Updated 03/16/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.60%

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
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 92
Part-Time Employees 2
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
3.60%
Return on Assets (ROA)
0.6243%
Return on Equity (ROE)
6.9440%
Non-Performing Loans Ratio (NPL)
0.42%
Total Assets
770,360,206
Total Amount of Shares and Deposits
677,968,078
Total Shares and Deposits < 1 Year
591,501,332
Total Shares and Deposits 1 3 Years
73,732,014
Total Shares and Deposits > 3 Years
12,734,733
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
188,926,757
Total Uninsured Shares and Deposits > $250K (F+J)
188,926,757
Total Insured Shares and Deposits > $250K (item 17 less item K)
489,041,321
Total Interest Expense (Sum of items 6 8)
12,684,525
Share Certificates
2,431
Number of Accounts for Share Drafts
113,877
IRA KEOGH Accounts
582
Number of Accounts for Regular Shares
13,186
Non Member Deposits
153
Money Market Shares
556
Net Income (unless the amount is already included in Undivided Earnings)
4,808,983
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
73,495,774
Total Liabilities
711,049,059
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Americas Christian Credit Union

Is Americas Christian Credit Union a safe place to deposit money?

Yes, Americas Christian Credit Union is considered a safe financial institution. With a Texas Ratio of 3.5982737753663%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

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 CD3.25%
  • 24-Month CD2.75%
  • 60-Month CD2.25%
  • Savings0.10%
  • MMA0.80%
Retrieved from our database of financial products. Rates subject to change.