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Overview / Commentary

America's Credit Union (TX) is headquartered in GARLAND and is the 85th largest credit union in the state of Texas. It is also the 972nd largest credit union in the nation. It was established in 1934 and as of March of 2014, it had grown to 62 employees and 22,852 members. America's Credit Union (TX) has a A+ health rating.

Field of Membership Restrictions

Must live or work in Dallas, Collin or Rockwall County. - See Details

Reviews (1)

Great Service

I have always had great service. Has small town feel. Wish they had few more branches and extended hours. I chose them because of the high rating. Overall very pleased with my decision to replace my bank with America's Credit Union.


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 Credit Union (TX) had $495,000 in non-current loans and owned real-estate with $24.84 million in equity and loan loss allowances on hand to cover it. This gives America's Credit Union (TX) a Texas Ratio of 1.99% 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 (TX) experienced no significant changes from 1.00% as of March 31, 2013 to 1.99% as of March 31, 2014, resulting in a negative change of 98.54%. This indicates that the balance sheet and financial strength for America's Credit Union (TX) has had no significant changes in recent periods.

Deposit Growth


In the past year, America's Credit Union (TX) has increased its total deposits by $3.47 million, resulting in 2.15% 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 (TX) 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 (TX) has $190.03 million in assets with $24.84 million in equity, resulting in a capitalization level of 13.07%, which is excellent.

Institution Statistics

NCUA #67470
Year Chartered1934
Primary Regulator
Assets and Liabilities
Assets$190.03 million
Loans$100.79 million
Deposits$164.66 million
Equity Capital$24.37 million
Loan Loss Allowance$466,000
Unbacked Noncurrent Loans$495,000
Real Estate Owned$0
Historic Data - March 2013
Assets$186.19 million
Equity Capital$23.80 million
Loan Loss Allowance$501,000
Unbacked Noncurrent Loans$495,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.25%
Return on Assets0.16%
Return on Equity1.23%
Interest Income$1.38 million
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America's Credit Union (TX) Savings Account Rates

0.10%$10k-IRA Deposit Account
0.10%$10k-Regular Savings
0.10%$10k-JAMMS Jr.
0.10%$10k-Special Savings
0.10%$10k-Roth IRA Deposit Account
0.10%$10k-CESA Deposit Account
0.05%--Christmas Club
0.05%--Vacation Club

America's Credit Union (TX) Money Market Rates

0.05%$2k-Preferred Money Market Checking

America's Credit Union (TX) CD Rates

1.00%$5k-36 Month CD
0.70%$5k-24 Month CD
0.55%$5k-12 Month CD
0.55%$5k-18 Month CD
0.25%$5k-6 Month CD

America's Credit Union (TX) IRA Rates

1.00%$2k-36 Month IRA
0.70%$2k-24 Month IRA
0.55%$2k-12 Month IRA
0.55%$2k-18 Month IRA
0.25%$2k-6 Month IRA

America's Credit Union (TX) Locations
Branch Office2154 FOREST LNGARLAND, TX 75042
Branch Office3132 W Miller RdGarland, TX 75041-6108
Branch Office3001 Motley Dr Ste HMesquite, TX 75150-3457
Branch Office2350 E Bennett StSpringfield, MO 65804-1732