America's Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.70% | 6-month CD | 5 Months Term Loyalty CD 0.38% - National Average |
| 1.25% | 4-year CD | 48 Months Promotional Standard Share CD 1.80% - Goldman Sachs Bank USA 4 Year CD |
| 1.00% | 3-year CD | 36 Months Promotional Standard Share CD 1.85% - Synchrony Bank 36 Month CD |
America's Credit Union is headquartered in Dupont and is the 20th largest credit union in the state of Washington. It is also the 445th largest credit union in the nation. It was established in 1954 and as of March of 2017, it had grown to 130 employees and 47,108 members at 14 locations. America's Credit Union 's money market rates are 2X the national average, and it has a B+ health rating.
Field of Membership Restrictions
Membership in America's Credit Union is open to anyone by joining the Association of the United States Army. Membership is open to all members of the Armed Forces (active, retired, or reservists), civilian personnel, and family of those eligible. (Membership requirements are listed in the credit union's online application)
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
ACU Review - 5 Stars
I have been with America's Credit Union for about 5 years now, and couldn't be happier. I switched from Well's Fargo due to a dispute over account fees and monthly charges due to the way the accounts were setup. I would constantly have to go into the local branch to fix something in person, and even then I left confused/unresolved half the time. After a few weeks of research and looking at options I decided I wanted to go with a credit union not bank, and ACU was the choice I went with.
With ACU those fees are gone, including overdraft protection fees (as long as I maintain X balance). Everything is simple and pain free. Albeit I don't have a location near me to visit in person, I have never had an issue I couldn't solve with a simple phone call (which I did have to do when it came to transferring to a different bank account directly/setting up a monthly auto-pay, and also there were some issues setting up direct deposit).
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!!
America's Credit Union - Gets the job done.
I have overall had a very positive experience with America's Credit Union. That being said I never really gave America's Credit Union any issues either. Their fees (when there were any) were reasonable as I know banks are a business too and need to make money to pay employees and make a profit. I had to call customer service a couple of times to remove random charges from account but they were extremely helpful and never once gave me any more trouble than is to be expected. To go into more detail about this experience, I randomly had a $50.00 charge to my checking account (not a lot I know but still, money I didn't spend) so I called their call center and of course had to get through the automation and whatnot at the beginning. But eventually I got on with a real person and told them the situation. They saw that the charge came from a service I do not use regularly and then removed the charge and even said that in the event it happened again they'd both replace my money and refund me the amount charged on top of that. So to finish, I don't have any complaints and will continue my service.
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.
Data as of Q1 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 9373 |
| Year Chartered | 1954 |
| Employees | 130 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.28% |
| Return on Equity - YTD | 3.52% |
| Annual Interest Income | $5.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2017vs Q1 2016 | $609.8MM$550.0MM |
| Loans | Q1 2017vs Q1 2016 | $472.8MM$432.3MM |
| Deposits | Q1 2017vs Q1 2016 | $541.1MM$467.7MM |
| Equity Capital | Q1 2017vs Q1 2016 | $48.2MM$46.0MM |
| Loan Loss Allowance | Q1 2017vs Q1 2016 | $4.5MM$6.5MM |
| Unbacked Noncurrent Loans | Q1 2017vs Q1 2016 | $1.6MM$1.5MM |
| Real Estate Owned | Q1 2017vs Q1 2016 | $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% | - | $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% | - | - | Teen Savings | |
| 0.15% | - | - | 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 - $1mm | |||||
| 0.30%* | $50k* | - | Guaranteed Money Market MEGA | ||
| OTHER TIERS: 0.05% → Up to $2,500 | 0.20% → $2,500 - $50k | |||||
| 0.20%* | $25k* | - | Guaranteed Money Market ULTRA | ||
| OTHER TIERS: 0.05% → Up to $2,500 | 0.10% → $2,500 - $25k | |||||
| 0.20%* | $5k* | - | Guaranteed Money Market PLUS | ||
| OTHER TIERS: 0.05% → Up to $2,500 | 0.10% → $2,500 - $5k | |||||
| 0.10%* | $2,500* | - | Market Saver | ||
| OTHER TIERS: 0.05% → Up to $2,500 | |||||
America's Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 5.00%* | - | $1k | Affinity Checking | ||
| OTHER TIERS: 0.10% → $1k - $15k | 0.25% → $15k+ | |||||
America's Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.45% | $10k | - | 24 Month Indexed Share Certificate Special | ||
| 1.25% | $10k | - | 48 Months Promotional Standard Share CD | ||
| 1.00% | $10k | - | 36 Months Promotional Standard Share CD | ||
| 0.75% | $10k | - | 24 Month Promotional Standard Share CD | ||
| 0.75% | $10k | - | 12 Month Promotional Standard Share CD | ||
| 0.70% | $500 | - | 5 Months Term Loyalty CD | ||
| 0.60%* | $25k* | $100k | 48 Months Flex CD | ||
| OTHER TIERS: 0.50% → $500 - $25k | |||||
| 0.60%* | $25k* | $100k | 48 Months Standard CD | ||
| OTHER TIERS: 0.55% → $500 - $25k | |||||
| 0.60% | $500 | - | 36 Months Flex Promotional Standard Share CD | ||
| 0.60% | $500 | - | 6 Month Super Bump Flex CD Special | ||
| 0.55%* | $25k* | $100k | 24-47 Months Standard CD | ||
| OTHER TIERS: 0.50% → $500 - $25k | |||||
| 0.55% | $500 | - | 21-30 Months Promotional Standard Share CD | ||
| 0.50% | $100 | - | 6 Months Veterans Family Fund CD | ||
| 0.45%* | $25k* | $100k | 24-47 Months Flex CD | ||
| OTHER TIERS: 0.35% → $500 - $25k | |||||
| 0.45%* | $25k* | $100k | 12-23 Months Standard CD | ||
| OTHER TIERS: 0.35% → $500 - $25k | |||||
| 0.45% | $500 | - | 17-20 Months Promotional Standard Share CD | ||
| 0.40% | $500 | - | 13-16 Months Promotional Standard Share CD | ||
| 0.30%* | $25k* | $100k | 12-23 Months Flex CD | ||
| OTHER TIERS: 0.25% → $500 - $25k | |||||
| 0.30% | $500 | $100k | 3-11 Months Standard CD | ||
| 0.20%* | $25k* | $100k | 3-11 Months Flex CD | ||
| OTHER TIERS: 0.15% → $500 - $25k | |||||
America's Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.00% | $10k | - | 36 Month IRA Special | ||
| 0.60%* | $25k* | $100k | 48 Months IRA | ||
| OTHER TIERS: 0.55% → $500 - $25k | |||||
| 0.55%* | $25k* | $100k | 24-47 Months IRA | ||
| OTHER TIERS: 0.50% → $500 - $25k | |||||
| 0.45% | $500 | $100k | 12-23 Months IRA | ||
America's Credit Union has 14 locations. Click to view all America's Credit Union locations.