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Overview / Commentary
2201 S 12th St
JBLM, WA 98433

America's Credit Union is headquartered in JBLM and is the 21st largest credit union in the state of Washington. It is also the 507th largest credit union in the nation. It was established in 1954 and as of December of 2013, it had grown to 113 employees and 37,915 members. America's Credit Union 's savings rates are 3X the national average, and it has a A health rating.

Field of Membership Restrictions

Typically, membership in ACU includes all members of the Armed Forces (active, retired, and reservists), civilian personnel, and relatives of these members, as well as select employer groups. If you do not fall within these categories, you can join the Association of the United States Army (AUSA) in order to become a member of ACU. When completing your online application select the first bulleted item to indicate you are eligible as a member of AUSA. - See Details

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Special CD Rates at America's Credit Union in WA - Easy Membership - 4/3/2014

America's Credit Union is offering two competitive promotional share certificates. One is a 3-year CD with a 1.50% APY, and the second is a 4-year CD with a 1.80% APY. Minimum deposit is $10,000. The ...

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Data for Q4 2013

Institution Health


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, 2013 America's Credit Union had $2.32 million in non-current loans and owned real-estate with $45.48 million in equity and loan loss allowances on hand to cover it. This gives America's Credit Union a Texas Ratio of 5.09% 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 6.47% as of December 31, 2012 to 5.09% as of December 31, 2013, resulting in a positive change of 21.37%.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 $10.26 million, resulting in 2.91% 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.



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 $421.81 million in assets with $45.48 million in equity, resulting in a capitalization level of 10.78%, which is above average.

Institution Statistics

NCUA #9373
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$421.81 million
Loans$260.53 million
Deposits$362.72 million
Equity Capital$42.07 million
Loan Loss Allowance$3.41 million
Unbacked Noncurrent Loans$1.84 million
Real Estate Owned$477,000
Historic Data - December 2012
Assets$396.91 million
Equity Capital$37.14 million
Loan Loss Allowance$4.03 million
Unbacked Noncurrent Loans$1.84 million
Real Estate Owned$757,000
Profit Margin - Quarterly
Net Interest Margin5.75%
Return on Assets1.06%
Return on Equity10.62%
Interest Income$18.27 million

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America's Credit Union Savings Account Rates

1.51%-$12kPerformance Saver
0.35%$500-Super Bump Flex Certificate
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%$25-Regular Share
0.05%--Smart Club

America's Credit Union Money Market Rates

0.75%$100k-Ultimate Money Market
0.65%$50k-Supreme Money Market
0.40%$50k-Guaranteed Money Market MEGA
0.30%$25k-Guaranteed Money Market ULTRA
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 Checking Account Rates

5.00%-$1kPerk Checking
0.20%$2,500-Golden 55 Checking
0.05%--Choice Checking

America's Credit Union CD Rates

1.80%$10k-48 Month Term Promotional Standard Share Certificate
1.50%$10k-36 Month Term Promotional Standard Share Certificate
1.00%$500-36 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%$500-21-30 Month Term Promotional Standard Share Certificate
0.65%$500-17-20 Month Term Promotional Standard Share Certificate
0.60%$25k$100k48 Month Flex Certificate Account
0.60%$25k$100k48 Month Standard Certificate Account
0.55%$25k$100k24-47 Month Standard Certificate Account
0.50%$500-13-16 Month Term Promotional Standard Share Certificate
0.45%$25k$100k24-47 Month Flex Certificate Account
0.45%$25k$100k12-23 Month Standard Certificate Account
0.30%$25k$100k12-23 Month Flex Certificate Account
0.30%$500$100k3-11 Month Standard Certificate Account
0.20%$25k$100k3-11 Month Flex Certificate Account

America's Credit Union IRA Rates

1.00%$10k-36 Month IRA Certficate
0.60%$25k$100k48 Month IRA Certificate Account (Traditional,Roth,CESA)
0.55%$25k$100k24-47 Month IRA Certificate Account (Traditional,Roth,CESA)
0.45%$500$100k12-23 Month IRA Certificate Account (Traditional,Roth,CESA)

America's Credit Union has 11 locations. Click to view all America's Credit Union locations.