Lock in the Nation’s Top 12-Month Certificate Rate* before it drops.

Get Started Now!

Are you looking to grow your money but worried about the volatility in the stock market? What if you could lock in the rate of return on your investments? Well right now, America's Christian Credit Union is offering the top 12-month certificate rate in the nation; it’s a guarantee return on your deposits!

New members can lock in 4.75% APY** on deposits up to $1 million. And it only takes $1,000 to get started. This limited time opportunity won’t last long, so get started today!

Lock in your 4.75% Rate

*As compared to 12-month certificates ranging from $1,000 – $1,000,000 amongst federally insured financial institutions (FDIC & NCUA) as published on depositaccounts.com as of 08/27/2025.

** APY = Annual Percentage Yield. APY is the percentage reflecting the total amount of interest that could be paid on an account based on the interest rate and frequency of compounding. APY assumes original balance and earnings remain on deposit and rate holds constant for 365 days. Penalty for early withdrawal. Minimum deposit to earn the stated APY is $1,000; maximum deposit is $1,000,000. Early withdrawal penalties do apply which may reduce the principal and reduce earnings. No additional deposits can be made during the term of the New Member Term Share Certificate. Must be opened within 60 days of account opening; or by a member who has not held, or closed, an ACCU: savings, term share certificate, money market, or loan account. At maturity, the promotional Term Share Certificate will renew as a traditional Term Share Certificate for another 12-month term at the prevailing rate unless we are notified prior to or within 7 days of maturity date. Fees may reduce earnings. All program rates, offers, terms and conditions are subject to change without notice. Certain restrictions apply. Visit AmericasChristianCU.com/PersonalTSCRates for the most up-to-date information. Must qualify for membership. A $2.00 membership fee may apply for new memberships established or added onto accounts as a joint applicant.