America's Credit Union

2201 S 12th St
JBLM, WA 98433
253-964-3113
www.youracu.org

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America's Credit Union is headquartered in JBLM and is the 20^th largest credit union in the state of Washington. It is also the 520^th largest credit union in the nation. It was established in 1954 and as of December of 2012, it had grown to 98 employees and 41,168 members. America's Credit Union 's savings rates are 3X the national average, and it boasts a 5-star health rating.

America's Credit Union: 12-Month 1.51% Installment Savings Account (Forum) - 8/23/2012

This 5-star rated credit union is offering an installment savings account with a 12-month term called Performance Saver. Unlike Wilshire State Bank’s installment savings account, which has been discussed recently, you are not requir

$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...

2008

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

America's Credit Union Checking Account Rates

Apy	Min	Max	Product
5.00%	-	$1k	Perk Checking
0.20%	$2,500	-	Golden 55 Checking
0.05%	-	-	Choice Checking

America's Credit Union Savings Account Rates

Apy	Min	Max	Product
1.51%	-	$12k	Performance Saver
0.30%	$50	-	Coverdell ESA
0.30%	$50	-	Roth IRA Savings
0.30%	$50	-	Health Savings
0.30%	$50	-	Christmas Club
0.20%	-	-	Teen Savings
0.20%	-	-	Tree Fort Club
0.10%	$50	-	IRA Savings
0.05%	$50	-	Regular Share
0.05%	-	-	Smart Club

America's Credit Union Money Market Rates

Apy	Min	Max	Product
0.40%	$50k	-	Guaranteed Money Market MEGA
0.35%	$100k	-	Ultimate Money Market
0.30%	$25k	-	Guaranteed Money Market ULTRA
0.30%	$50k	-	Supreme Money Market
0.25%	$5k	-	Guaranteed Money Market PLUS
0.25%	$25k	-	Premium Money Market
0.20%	$2,500	-	Market Saver
0.15%	$2,500	-	Preferred Market Checking

America's Credit Union CD Rates

Apy	Min	Max	Product
1.00%	$25k	-	36 Month Flex Promotional Standard Share Certificate
1.00%	$500	-	5 Month Term Loyalty Certificate
0.75%	$100	-	6 Month Term Veterans Family Fund Certificate
0.75%	$25k	-	21-30 Month Term Promotional Standard Share Certificate
0.65%	$25k	-	17-20 Month Term Promotional Standard Share Certificate
0.60%	$25k	$100k	48 Month Flex Certificate Account
0.60%	$25k	$100k	48 Month Standard Certificate Account
0.55%	$25k	$100k	24-47 Month Standard Certificate Account
0.50%	$25k	-	13-16 Month Term Promotional Standard Share Certificate
0.45%	$25k	$100k	24-47 Month Flex Certificate Account
0.45%	$25k	$100k	12-23 Month Standard Certificate Account
0.35%	$500	-	Super Bump Flex Certificate
0.30%	$25k	$100k	12-23 Month Flex Certificate Account
0.30%	$500	$100k	3-11 Month Standard Certificate Account
0.20%	$25k	$100k	3-11 Month Flex Certificate Account

America's Credit Union IRA Rates

Apy	Min	Max	Product
0.60%	$25k	$100k	48 Month IRA Certificate Account
0.60%	$25k	$100k	48 Month Roth IRA Certificate Account
0.60%	$25k	$100k	48 Month CESA Certificate Account
0.55%	$25k	$100k	24-47 Month IRA Certificate Account
0.55%	$25k	$100k	24-47 Month Roth IRA Certificate Account
0.55%	$25k	$100k	24-47 Month CESA Certificate Account
0.45%	$500	$100k	12-23 Month IRA Certificate Account
0.45%	$500	$100k	12-23 Month Roth IRA Certificate Account
0.45%	$500	$100k	12-23 Month CESA Certificate Account

Rates updated: 5/18/2013

Data for Q4 2012

Institution Statistics

AMERICA'S CREDIT UNION, A
NCUA #	9373
BankRate Report	View
Year Chartered	1954
Employees	98
Primary Regulator
Assets and Liabilities
Assets	$396.91 million
Loans	$222.67 million
Deposits	$352.46 million
Equity Capital	$37.14 million
Loan Loss Allowance	$4.03 million
Unbacked Noncurrent Loans	$1.91 million
Real Estate Owned	$757,000
Historic Data - December 2011
Assets	$375.50 million
Equity Capital	$32.32 million
Loan Loss Allowance	$4.84 million
Unbacked Noncurrent Loans	$2.54 million
Real Estate Owned	$1.02 million
Profit Margin - Quarterly
Net Interest Margin	6.1%
Return on Assets	1.01%
Return on Equity	10.77%
Interest Income	$16.86 million
Non-Interest Income	$8.02 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
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, 2012 America's Credit Union had $2.66 million in non-current loans and owned real-estate with $41.17 million in equity and loan loss allowances on hand to cover it. This gives America's Credit Union a Texas Ratio of 6.47% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for America's Credit Union decreased slightly from 9.57% as of December 31, 2011 to 6.47% as of December 31, 2012, resulting in a positive change of 32.37%.This indicates that the balance sheet and financial strength for America's Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, America's Credit Union has increased its total deposits by $16.52 million, resulting in 4.92% 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.
Capitalization
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 $396.9 million in assets with $41.17 million in equity, resulting in a capitalization level of 10.37%, which is above average.