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Overview / Commentary
800-343-6328
P.O. Box 5100
Glendora, CA 91740

America's Christian Credit Union is headquartered in Glendora and is the 97th largest credit union in the state of California. It is also the 719st largest credit union in the nation. It was established in 1973 and as of December of 2013, it had grown to 81 employees and 38,634 members. America's Christian Credit Union has a B+ health rating.

Field of Membership Restrictions

You're eligible to join if you meet any one of the following: * Members, attendees, or individuals who align themselves with Wesleyan Christian doctrine as well as ministries, churches and universities; * Students, alumni, and employees of colleges, universities, and seminaries that align themselves with Wesleyan Christian doctrine; * Immediate family members living in a member of America's Christian Credit Union's home; * Ministers, employees, members, officers, teachers, students and others in these churches, schools and organizations; * Organizations who align themselves with Wesleyan Christian doctrine; * Business owned by a member or attendee of a Wesleyan-based ministry; * Members/attendees and employees of church denominational ministries that align themselves with Wesleyan Christian doctrine or that are listed below are eligible for membership; - See Details

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 America's Christian Credit Union had $7.61 million in non-current loans and owned real-estate with $28.53 million in equity and loan loss allowances on hand to cover it. This gives America's Christian Credit Union a Texas Ratio of 26.67% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for America's Christian Credit Union decreased slightly from 29.96% as of December 31, 2012 to 26.67% as of December 31, 2013, resulting in a positive change of 10.99%.This indicates that the balance sheet and financial strength for America's Christian Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, America's Christian Credit Union has increased its total deposits by $14.98 million, resulting in 6.87% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth America's Christian Credit Union has shown is excellent.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. America's Christian Credit Union has $278.25 million in assets with $28.53 million in equity, resulting in a capitalization level of 10.25%, which is above average.

Institution Statistics

Overall
NCUA #68062
Year Chartered1973
Employees81
Primary Regulator
Assets and Liabilities
Assets$278.25 million
Loans$210.48 million
Deposits$232.94 million
Equity Capital$24.92 million
Loan Loss Allowance$3.61 million
Unbacked Noncurrent Loans$4.37 million
Real Estate Owned$3.24 million
Historic Data - December 2012
Assets$256.55 million
Equity Capital$22.37 million
Loan Loss Allowance$4.06 million
Unbacked Noncurrent Loans$4.37 million
Real Estate Owned$1.95 million
Profit Margin - Quarterly
Net Interest Margin5.29%
Return on Assets0.01%
Return on Equity0.15%
Interest Income$13.35 million
Rates

Always verify rates and promotions with the bank or credit union. We are not America's Christian Credit Union, we are a rate comparison website and can not provide official rates or promotions.

America's Christian Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.40%$50-EDUSHARE®
0.15%-$20kChristmas Club Account
0.15%$25-Buddy Bee Savings
0.15%-$20kVacation Club Account
0.15%--Variable IRA Savings
0.10%$100-Regular Share
0.10%$25-Student Savings
0.10%$100-Business Savings Account
0.10%$100-Ministry Savings Account

America's Christian Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$100k-Money Market Plus Account
0.35%$100k-Business Money Market Plus
0.35%$100k-Ministry Money Market Plus
0.30%$100k$2,500Money Market Account
0.30%$100k-Business Money Market Account
0.30%$100k-Ministry Money Market Account

America's Christian Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$750-Elite Checking
0.10%$1,500-Business Share Draft
0.10%$1,500-Ministry Share Draft

America's Christian Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.75%$2k-60 Month Bump Up Share Certificate Special
1.75%$2k-Ministry 60 Month Bump Up Share Certificate Special
1.75%$2k-Business 60 Month Bump Up Share Certificate Special
1.35%$1k-60 Month Share Certificate
1.35%$1k-Business 60 Month Share Certificate
1.35%$1k-Ministry 60 Month Share Certificate
1.10%$1k-48 Month Share Certificate
1.10%$1k-Business 48 Month Share Certificate
1.10%$1k-Ministry 48 Month Share Certificate
1.00%$2k-36 Month Bump Up Certificate Special
1.00%$2k-Ministry 36 Month Bump Up Certificate Special
1.00%$2k-Business 36 Month Bump Up Certificate Special
0.80%$1k-36 Month Share Certificate
0.80%$1k-Business 36 Month Share Certificate
0.80%$1k-Ministry 36 Month Share Certificate
0.75%$2k-24 Month Bump Up Share Certificate Special
0.75%$2k-Ministry 24 Month Bump Up Share Certificate Special
0.75%$2k-Business 24 Month Bump Up Share Certificate Special
0.55%$1k-24 Month Share Certificate
0.55%$1k-Business 24 Month Share Certificate
0.55%$1k-Ministry 24 Month Share Certificate
0.45%$1k-18 Month Share Certificate
0.45%$1k-Business 18 Month Share Certificate
0.45%$1k-Ministry 18 Month Share Certificate
0.35%$1k-12 Month Share Certificate
0.35%$1k-Business 12 Month Share Certificate
0.35%$1k-Ministry 12 Month Share Certificate
0.30%$1k-9 Month Share Certificate
0.30%$1k-Business 9 Month Share Certificate
0.30%$1k-Ministry 9 Month Share Certificate
0.25%$1k-6 Months Share Certificate
0.25%$1k-Business 6 Month Share Certificate
0.25%$1k-Ministry 6 Month Share Certificate
0.20%$1k-90 Day Share Certificate
0.20%$1k-Business 90 Day Share Certificate
0.20%$1k-Ministry 90 Day Share Certificate

America's Christian Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.35%$500-60 Month IRA Share Certificate (Traditional,Roth)
1.10%$500-48 Month IRA Share Certificate (Traditional,Roth)
0.80%$500-36 Month IRA Share Certificate (Traditional,Roth)
0.55%$500-24 Month IRA Share Certificate (Traditional,Roth)
0.35%$500-12 Month IRA Share Certificate (Traditional,Roth)
Locations


America's Christian Credit Union Locations
Branch Office924 E Alosta AveAzusa, CA 91702-2709
Branch Office2100 E Route 66 Ste 100Glendora, CA 91740-4623