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Overview / Commentary
2100 E Route 66 Ste 100
Glendora, CA 91740-4623

America's Christian Credit Union is headquartered in Glendora and is the 98th largest credit union in the state of California. It is also the 725th largest credit union in the nation. It was established in 1973 and as of March of 2014, it had grown to 80 employees and 44,870 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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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 America's Christian Credit Union had $5.4 million in non-current loans and owned real-estate with $29.46 million in equity and loan loss allowances on hand to cover it. This gives America's Christian Credit Union a Texas Ratio of 18.32% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for America's Christian Credit Union decreased dramatically from 33.96% as of March 31, 2013 to 18.32% as of March 31, 2014, resulting in a positive change of 46.07%.This indicates that the balance sheet and financial strength for America's Christian Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, America's Christian Credit Union has increased its total deposits by $26 million, resulting in 12.18% 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.



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 $284.49 million in assets with $29.46 million in equity, resulting in a capitalization level of 10.36%, which is above average.

Institution Statistics

NCUA #68062
Year Chartered1973
Primary Regulator
Assets and Liabilities
Assets$284.49 million
Loans$207.25 million
Deposits$239.47 million
Equity Capital$25.87 million
Loan Loss Allowance$3.60 million
Unbacked Noncurrent Loans$3.52 million
Real Estate Owned$1.88 million
Historic Data - March 2013
Assets$255.70 million
Equity Capital$22.75 million
Loan Loss Allowance$4.02 million
Unbacked Noncurrent Loans$3.52 million
Real Estate Owned$2.86 million
Profit Margin - Quarterly
Return on Assets1.11%
Return on Equity12.19%
Interest Income$3.34 million

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America's Christian Credit Union Savings Account Rates

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
0.10%$25-Youth Savings

America's Christian Credit Union Money Market Rates

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

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

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
1.50%$1k-60 Month Share Certificate
1.50%$1k-Business 60 Month Share Certificate
1.50%$1k-Ministry 60 Month Share Certificate
1.25%$1k-48 Month Share Certificate
1.25%$1k-Business 48 Month Share Certificate
1.25%$1k-Ministry 48 Month Share Certificate
1.00%$1k-36 Month Share Certificate
1.00%$1k-Business 36 Month Share Certificate
1.00%$1k-Ministry 36 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
0.75%$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
0.60%$1k-24 Month Share Certificate
0.60%$1k-Business 24 Month Share Certificate
0.60%$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

1.50%$500-60 Month IRA Share Certificate
1.25%$500-48 Month IRA Share Certificate
1.00%$500-36 Month IRA Share Certificate
0.60%$500-24 Month IRA Share Certificate
0.35%$500-12 Month IRA Share Certificate

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