America's Credit Union


Overview / Commentary
253-964-3113
1495 Wilmington Dr Ste 1
DuPont, WA 98327

America's Credit Union is headquartered in Dupont and is the 22nd largest credit union in the state of Washington. It is also the 596th largest credit union in the nation. It was established in 1954 and as of December of 2023, it had grown to 165 employees and 33,074 members at 11 locations. America's Credit Union 's money market rates are 4X 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

Indexed CD Available

Posted by: |

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.

Avoid, Use Others

Posted by: |

It is best to steer clear of this credit union. They do not treat members with respect, definitely a trap house.

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Health
B+

Health Grade Components

Overall
NCUA #9373
Year Chartered1954
Employees165
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD6.75%
Annual Interest Income$29.2MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$696.4MM$691.6MM
LoansQ4 2023vs Q4 2022$536.7MM$548.2MM
DepositsQ4 2023vs Q4 2022$584.1MM$622.5MM
Equity CapitalQ4 2023vs Q4 2022$61.6MM$54MM
Loan Loss AllowanceQ4 2023vs Q4 2022$5.5MM$6.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$2.5MM$925K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%--Christmas Club
1.00%$10$12kPerformance Saver
0.20%--Coverdell ESA
0.20%--Roth IRA Savings
0.20%--Health Savings Account (HSA)
0.15%$1-Teen Savings
0.15%$1-Tree Fort Club
0.10%--IRA Savings
0.01%$25-Regular Share

America's Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%*$2.5k*-Guaranteed Money Market Special
OTHER TIERS: 0.01% Up to $2.5k
0.50%*$1m*-Money Market
OTHER TIERS: 0.01% Up to $5k | 0.10% $5k - $15k | 0.12% $15k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.25% $100k - $150k | 0.30% $150k - $250k | 0.35% $250k - $500k | 0.45% $500k - $1m
0.10%*$2.5k*-Market Saver
OTHER TIERS: 0.01% Up to $2.5k

America's Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*-$1kAffinity Basic Checking
OTHER TIERS: 0.50% $15k+ | 0.75% $1k - $15k
1.00%-$25kAffinity Plus Checking
0.75%*$25k*$35kAffinity Premier Checking
OTHER TIERS: 0.01% $35k+ | 0.25% $5k - $15k | 0.50% $15k - $25k

America's Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-4 Month Promotional Share Certificate
3.00%$500-7 Month Promotional Share Certificate
0.65%$10k-48 Month Promotional Share Certificate
0.60%$500-36 Month Flex Promotional Share Certificate
0.60%$10k-36 Month Promotional Share Certificate
0.55%$500$25k48 Month Standard Share Certificate
0.50%$500$25k48 Month Flex Share Certificate
0.50%$500$25k24-47 Month Standard Share Certificate
0.50%$100-6 Month Veterans Family Fund Share Certificate
0.50%$500-21-30 Month Promotional Share Certificate
0.40%$500-17-20 Month Promotional Share Certificate
0.35%$500$25k24-47 Month Flex Share Certificate
0.35%$500$25k13-23 Month Standard Share Certificate
0.30%$500$25k3-12 Month Standard Share Certificate
0.25%$500$25k13-23 Month Flex Share Certificate
0.15%$500$25k3-12 Month Flex Share Certificate

America's Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$1k-13 Month IRA
3.75%$1k-18 Month IRA
3.55%$1k-12 Month IRA
1.00%$1k-48 Month IRA
0.60%$1k-33 Month IRA
0.50%$1k-23 Month IRA
Locations

Availability



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