America's Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 0.75% | Savings | 0.26% - National Average |
| 1.25% | 4-year CD | 1.99% - National Average |
| 1.00% | 3-year CD | 1.88% - National Average |
America's Credit Union is headquartered in Dupont and is the 21st largest credit union in the state of Washington. It is also the 485th largest credit union in the nation. It was established in 1954 and as of December of 2018, it had grown to 162 employees and 44,894 members at 14 locations. America's Credit Union 's CD rates are 3X the national average, and it has a B+ 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
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.
I JUST NEEDED A NEW CARD SENT TO ME
All I needed was a new debit card sent to me because I accidentally misplaced the one they recently sent me. Yet it seemed like NO ONE could help me. I called locally, and then the woman hung up when I was looking for a number on the back of the card she had asked for. I paused for maybe 5 seconds trying to figure out what number, but I don't think she understood that I lost the new card. I wasn't trying to activate it. So I looked at my old one...and as I was looking she said, "thanks for calling have a good day''. So now I'm just in shock because she didn't even solve my issue. Terrible customer service. I called back, and the guy told me I needed to call a different number. He was too lazy to transfer me. Luckily, my boyfriend could see how frustrated I was, therefore, he called and complained. Finally, got my problem solved, but the woman was very rude and had an attitude. I have now learned I can only go inside instead of calling because clearly they can't do their jobs over the phone. I'm also thinking I need to switch to banks.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 9373 |
| Year Chartered | 1954 |
| Employees | 162 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.08% |
| Return on Equity - YTD | -1.01% |
| Annual Interest Income | $24.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $591.9MM$614.3MM |
| Loans | Q4 2018vs Q4 2017 | $467.3MM$481.4MM |
| Deposits | Q4 2018vs Q4 2017 | $472.6MM$501.8MM |
| Equity Capital | Q4 2018vs Q4 2017 | $47.5MM$49.0MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $5.2MM$4.5MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $2.5MM$3.0MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not America's Credit Union ; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
America's Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.75% | $10 | $12k | Performance Saver | |
| 0.20% | $50 | - | Coverdell ESA | |
| 0.20% | $50 | - | Roth IRA Savings | |
| 0.20% | $50 | - | Health Savings Account (HSA) | |
| 0.20% | $50 | - | Christmas Club | |
| 0.15% | $1 | - | Teen Savings | |
| 0.15% | $1 | - | Tree Fort Club | |
| 0.10% | $50 | - | IRA Savings | |
| 0.05% | $25 | - | Regular Share |
America's Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.90%* | $1m* | - | Money Market | ||
| OTHER TIERS: 0.05% → Up to $5k | 0.20% → $5k - $15k | 0.22% → $15k - $25k | 0.25% → $25k - $50k | 0.35% → $50k - $100k | 0.50% → $100k - $150k | 0.55% → $150k - $250k | 0.60% → $250k - $500k | 0.65% → $500k - $1m | |||||
| 0.30%* | $50k* | - | Guaranteed Money Market MEGA | ||
| OTHER TIERS: 0.05% → Up to $2.5k | 0.20% → $2.5k - $50k | |||||
| 0.20%* | $25k* | - | Guaranteed Money Market ULTRA | ||
| OTHER TIERS: 0.05% → Up to $2.5k | 0.10% → $2.5k - $25k | |||||
| 0.20%* | $5k* | - | Guaranteed Money Market PLUS | ||
| OTHER TIERS: 0.05% → Up to $2.5k | 0.10% → $2.5k - $5k | |||||
| 0.10%* | $2.5k* | - | Market Saver | ||
| OTHER TIERS: 0.05% → Up to $2.5k | |||||
America's Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 5.00%* | - | $1k | Affinity Basic Checking | ||
| OTHER TIERS: 0.10% → $1k - $15k | 0.25% → $15k+ | |||||
| 2.00% | - | $25k | Affinity Plus Checking | ||
America's Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.38% | $500 | - | 12 Month Standard CD | ||
| 2.17% | $500 | - | 15 Month Promotional CD Special | ||
| 1.51% | $500 | - | 6 Month Promotional CD Special | ||
| 1.25% | $10k | - | 48 Month Promotional Standard Share CD | ||
| 1.00% | $10k | - | 36 Month Promotional Standard Share CD | ||
| 0.75% | $10k | - | 24 Month Promotional Standard Share CD | ||
| 0.60%* | $25k* | $100k | 48 Month Flex CD | ||
| OTHER TIERS: 0.50% → $500 - $25k | |||||
| 0.60%* | $25k* | $100k | 48 Month Standard CD | ||
| OTHER TIERS: 0.55% → $500 - $25k | |||||
| 0.60% | $500 | - | 36 Month Flex Promotional Standard Share CD | ||
| 0.60% | $500 | - | 6 Month Super Bump Flex CD Special | ||
| 0.55%* | $25k* | $100k | 24-47 Month Standard CD | ||
| OTHER TIERS: 0.50% → $500 - $25k | |||||
| 0.55% | $500 | - | 21-30 Month Promotional Standard Share CD | ||
| 0.50% | $100 | - | 6 Month Veterans Family Fund CD | ||
| 0.45%* | $25k* | $100k | 24-47 Month Flex CD | ||
| OTHER TIERS: 0.35% → $500 - $25k | |||||
| 0.45% | $500 | - | 17-20 Month Promotional Standard Share CD | ||
| 0.45%* | $25k* | - | 13-23 Month Standard CD | ||
| OTHER TIERS: 0.35% → $500 - $25k | |||||
| 0.40% | $500 | - | 13-16 Month Promotional Standard Share CD | ||
| 0.30% | $500 | $100k | 3-11 Month Standard CD | ||
| 0.30%* | $25k* | - | 13-23 Month Flex CD | ||
| OTHER TIERS: 0.25% → $500 - $25k | |||||
| 0.20%* | $25k* | $100k | 3-11 Month Flex CD | ||
| OTHER TIERS: 0.15% → $500 - $25k | |||||
America's Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.78%* | $100k* | - | 33 Month IRA | ||
| OTHER TIERS: 2.53% → $1k - $100k | |||||
| 2.53%* | $100k* | - | 23 Month IRA | ||
| OTHER TIERS: 2.27% → $1k - $100k | |||||
| 2.27%* | $100k* | - | 13 Month IRA | ||
| OTHER TIERS: 2.02% → $1k - $100k | |||||
