America's Credit Union

America's Credit Union Locations
2201 S 12th St
JBLM, WA 98433
253-964-3113
www.youracu.org

America's Credit Union is headquartered in JBLM and is the 19st largest credit union in the state of Washington. It is also the 501st largest credit union in the nation. It was established in 1954 and as of September of 2011, it had grown to 85 employees and 38,128 members. America's Credit Union 's savings rates are 3X the national average, and it has a 4-star health rating.

Related Posts

$100 Checking Account Bonus at America's Credit Union - 8/9/2011

Many readers may already be members of America's Credit Union due to their past CD specials. They currently don't have any noteworthy CD specials, but they're offering a checking account promotion in ...

Competitive CD Rates at America's Credit Union in WA - Easy Membership - 12/3/2010

America's Credit Union is offering six competitive CDs with terms from 6 to 48 months. Several readers may remember this credit union from last year when they offered some hot add-on CDs. These new CD ...

3.00% 25-Month CD & 2.50% 13-Month CD with Add-On Feature at America's Credit Union - Easy Membership - 9/9/2009

Update 9/25/09: The specials have changed, and the rates have fallen. There's now only one Super Bump Flex Certificate: 2.50% APY for 25 months. The other ones are now standard share certificates: 2.00% APY for 7 months and 2.15% APY for 13 months.The...

4.00% 7-Month Add-On CD at America's Credit Union in WA - Easy Membership - 12/15/2008

Update 2/14/09: New lower rate Super Bump Flex Certificates have been posted: 2.50% APY 3-monthUpdate 1/24/09: New lower rate Super Bump Flex Certificates have been posted: 3.25% APY 6-month and 2.75% APY 3-monthUpdate 12/15/08: The term of the Super...

2008




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See Rates for: Checking | Savings | Money Market | CD | IRA

America's Credit Union Checking Account Rates

ApyMinMaxProduct
5.00%-$1kPerk Checking - Qualifying
0.25%$2,500-Golden 55 Checking
0.10%--Choice Checking

America's Credit Union Savings Account Rates

ApyMinMaxProduct
1.51%--Performance Saver
0.50%$50-IRA Savings
0.50%$50-Coverdell ESA
0.50%$50-Roth IRA Savings
0.50%$50-Health Savings
0.50%$50-Christmas Club
0.25%--Smart Club
0.25%--Teen Savings
0.25%--Tree Fort Club
0.10%$50-Regular Share

America's Credit Union Money Market Rates

ApyMinMaxProduct
0.90%$50k-Guaranteed Money Market MEGA
0.40%$100k-Ultimate Money Market
0.35%$25k-Guaranteed Money Market ULTRA
0.35%$50k-Supreme Money Market
0.30%$5k-Guaranteed Money Market PLUS
0.30%$25k-Premium Money Market
0.30%$2,500-Preferred Market Checking
0.25%$2,500-Market Saver

America's Credit Union CD Rates

ApyMinMaxProduct
1.50%$500-5 Month Term Loyalty Certificate
1.35%$25k-36 Month Flex Promotional Standard Share Certificate
1.00%$100-6 Month Term Veterans Family Fund Certificate
1.00%$25k-21-30 Month Term Promotional Standard Share Certificate
0.85%$25k-17-20 Month Term Promotional Standard Share Certificate
0.75%$25k-13-16 Month Term Promotional Standard Share Certificate
0.70%$25k$100k48 Month Flex Certificate Account
0.70%$25k$100k48 Month Standard Certificate Account
0.65%$25k$100k24-47 Month Standard Certificate Account
0.55%$25k$100k24-47 Month Flex Certificate Account
0.55%$25k$100k12-23 Month Standard Certificate Account
0.55%$500-Super Bump Flex Certificate
0.40%$25k$100k12-23 Month Flex Certificate Account
0.40%$500$100k3-11 Month Standard Certificate Account
0.30%$25k$100k3-11 Month Flex Certificate Account

America's Credit Union IRA Rates

ApyMinMaxProduct
0.70%$25k$100k48 Month IRA Certificate Account
0.70%$25k$100k48 Month Roth IRA Certificate Account
0.70%$25k$100k48 Month CESA Certificate Account
0.65%$25k$100k24-47 Month IRA Certificate Account
0.65%$25k$100k24-47 Month Roth IRA Certificate Account
0.65%$25k$100k24-47 Month CESA Certificate Account
0.55%$500$100k12-23 Month IRA Certificate Account
0.55%$500$100k12-23 Month Roth IRA Certificate Account
0.55%$500$100k12-23 Month CESA Certificate Account

Rates updated: 2/8/2012

Data for Q3 2011


Institution Statistics


AMERICA'S CREDIT UNION, A
NCUA #9373
BankRate ReportView
Year Established1954
Employees85
Primary Regulator

Assets and Liabilities

Assets$380.12 million
Loans$206.02 million
Deposits$340.75 million
Equity Capital$31.59 million
Loan Loss Allowance$4.96 million
Unbacked Noncurrent Loans$2.50 million
Real Estate Owned$1.00 million

Historic Data - September 2010

Assets$366.05 million
Equity Capital$28.50 million
Loan Loss Allowance$4.72 million
Unbacked Noncurrent Loans$3.24 million
Real Estate Owned$497,000

Profit Margin - Quarterly

Net Interest Margin4.61%
Return on Assets0.9%
Return on Equity10.86%
Interest Income$12.38 million
Non-Interest Income$6.53 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
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 September 30, 2011 America's Credit Union had $3.5 million in non-current loans and owned real-estate with $36.54 million in equity and loan loss allowances on hand to cover it. This gives America's Credit Union a Texas Ratio of 9.57% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for America's Credit Union held steady from 11.25% as of September 30, 2010 to 9.57% as of September 30, 2011, resulting in a positive change of 14.97%.This indicates that the balance sheet and financial strength for America's Credit Union has held steady in recent periods.
Deposit Growth4
In the past year, America's Credit Union has increased its total deposits by $9.54 million, resulting in 2.88% 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 Credit Union has shown is above average.
Capitalization3
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 Credit Union has $380.12 million in assets with $36.54 million in equity, resulting in a capitalization level of 9.61%, which is average.
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Anonymous - August 10, 2011
How does someone redeem the coupon, if they are not local to the bank?

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