America's Credit Union is headquartered in Dupont and is the 22nd largest credit union in the state of Washington. It is also the 567th largest credit union in the nation. It was established in 1954 and as of March of 2021, it had grown to 148 employees and 39,243 members at 10 locations. America's Credit Union 's money market rates are 14% higher than the national average, and it has an A health rating.
Field of Membership Restrictions
Membership in America's Credit Union is open to anyone through joining the Pacific Northwest Consumer Council. Membership is also open to the following: 1) anyone living the the northwestern region of the United States; 2) to active, retired, and reservists of the Armed Forces; 3) members of the Association of the United States Army.
See current membership details
Related Posts
8/9/11 - $100 Checking Account Bonus at America's Credit Union
12/3/10 - Competitive CD Rates at America's Credit Union in WA - Easy Membership
9/25/09 - 3.00% 25-Month CD & 2.50% 13-Month CD with Add-On Feature at America's Credit Union - Easy Membership
2/14/09 - 4.00% 7-Month Add-On CD at America's Credit Union in WA - Easy Membership
10/25/08 - 5.00% 24-Month / 4.50% 13-Month CD at America's Credit Union - Easy Membership
6/18/06 - $75 Checking Account Bonus at a Washington State CU (open to all)
1/27/06 - $75 Checking Account Bonus at CU Open to All
Indexed CD Available
ACU is a good credit union. Am posting because they make available a two year CD indexed to the two year Treasury Bill. Certificates of deposit indexed to Federal interest rates are few and far between. This is a nice offering for those interested in indexed CDs.
Great Bank Experience!
Anytime I need to pull out money or deposit money from America's Credit Union they greet me with a smile and thank me for coming to the bank politely asking what I need. I never have any problems and if I am not sure what I need to write out on the slip or what I need they are extremely informative and always help me out! Their online experience is great and very easy to maneuver. I would suggest anyone looking for a bank try out America's Credit Union because you will not be disappointed, this bank does everything a bank should and more!!
Affinity Checking Not Worth It
I originally opened my account for the 5% on $1,000 Affinity Checking. I realize that's only about $50 a year but for what I was using the account for it was worth it. The requirements at the time were 10 debit card transactions, 2 bill payments, e-statements, and direct deposit. The website wasn't that great but you could see pending transactions and get all your account information.
This was my small transactions account that I had several things setup to autopay and it worked out well. Then they started making a lot of changes that I didn't like. For starters, they ended the cash back credit card program when the switched to EMV cards. However, you didn't automatically get an EMV card, you have to reapply to get one otherwise you just have your old credit card. When they switched to EMV cards, if you weren't careful they were going to charge you for a replacement debit card as the first one is supposed to be free. I never got the replacement in the mail and when I called to get a replacement the first time they were going to charge me. I had to call back 2 more time in order to speak to someone so that I wouldn't get charged.
While they have updated the website and it's much nicer, the requirements for the Affinity Checking are no-longer worth it. They want you to keep $15k in bank deposits but will only give you the 5% on the first $1k in the checking. You also need $500 in direct deposits in addition to e-Statements and 10 PoS transaction. Their deposit rates aren't work keeping $15k at the bank so you are better off looking else where.
Many other credit unions have better rates (deposits & loans) in addition to the rewards checking account.
Totally Inept
This company recently took over a fairly decent credit union that we have banked with for years, and have completely screwed it up. We're closing all of our accounts as soon as possible.
WE DON'T RECOMMEND THIS CREDIT UNION !!!! They don't accept responsibility for their mistakes and the word accountability isn't in their vocabulary. They deflect their ineptness and will blame customers even in light of overwhelming evidence to the contrary....if the word "accountability" isn't in your vocabulary, this is what you do. Their recent transition to a new web interface and mobile app have been fraught with a myriad of problems. The webpage, as of this review, has two warning messages:
1. Their system upgrade is complete, and are experiencing call volume that is higher than usual.
*** Clearly their customer base isn't important enough to bring on additional personnel in preparation for fallout from the upgrade.
2. They are having service issues with ATM's at 7-Eleven's. Hmmmm....
DO NOT USE THIS CREDIT UNION UNLESS YOU DON'T CARE ABOUT APPROPRIATE MANAGEMENT OF YOUR HARD EARNED MONEY....NOT TO MENTION IT'S SAFETY...
Data as of Q1 2021
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 9373 |
| Year Chartered | 1954 |
| Employees | 148 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.89% |
| Return on Equity - YTD | 10.99% |
| Annual Interest Income | $5.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2021vs Q1 2020 | $647.4MM$594.7MM |
| Loans | Q1 2021vs Q1 2020 | $460.6MM$424.3MM |
| Deposits | Q1 2021vs Q1 2020 | $587.3MM$537.2MM |
| Equity Capital | Q1 2021vs Q1 2020 | $51.4MM$47.2MM |
| Loan Loss Allowance | Q1 2021vs Q1 2020 | $6.9MM$4.7MM |
| Unbacked Noncurrent Loans | Q1 2021vs Q1 2020 | $1.9MM$1.6MM |
| Real Estate Owned | Q1 2021vs Q1 2020 | $0$0 |