Featured Savings Rates
Featured Accounts

America's Credit Union

Popular Accounts at this Credit Union

0.70%6-month CD5 Months Term Loyalty CD
1.25%4-year CD48 Months Promotional Standard Share CD
1.00%3-year CD36 Months Promotional Standard Share CD

Overview / Commentary
1495 Wilmington Dr Ste 1
DuPont, WA 98327

America's Credit Union is headquartered in Dupont and is the 20th largest credit union in the state of Washington. It is also the 443rd largest credit union in the nation. It was established in 1954 and as of December of 2016, it had grown to 127 employees and 47,019 members at 14 locations. America's Credit Union 's money market rates are 2X the national average, and it has an A 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

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ACU Works For You!

#1) I talk to real people. Smart people. People to whom I can relate.
#2) My valuable time is not wasted by inefficient IVR and impersonal call center processes. When I call, I am immediately routed to someone who can help. And if they can't, they transfer me - quickly - to someone who can.
#3) Decisions are made quickly, logically, and contextually.
#4) Creative financial services options - far superior to any I've seen with a big bank.
#5) They play fair. Rates are reasonable, and I feel like we're in a proper business relationship - they're of course profiting from me, but they're not bleeding me dry.

pleased customer

Posted by: Stephani3 | May 23, 2015

I have been pleased so far with the service that I have received from America's Credit Union. I opened a checking account with them because they had a very enticing promotion. They give you $100 for opening a checking account if you set up direct deposit. I thought this was great deal because my employer offers direct deposit. The account has been very convenient for me in accessing my money with 24 hour access to my account. When I first opened the account I called customer service to ask some questions. They were very pleasant and were able to answer all of my questions. I have not had any random fees show up on my account. They also have a service called "the christmas club". This is a clever way to save money for the holidays. It is an account that is set up to help you save and when the holiday season comes around they mail you a check so that you are able to do your holiday shopping. Overall great financial institution.

America's Credit Union - Gets the job done.

Posted by: Twizeman | Apr 15, 2015

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.

A look at America's Credit Union

Posted by: Flackle | Apr 14, 2015

What can I really say about ACU? I haven't had any major negative issues with ACU in my experience, but something about the bank just feels a bit cold. Most of my experiences with their employees have been kind of bland and very boring. Their customer service over the phone is kind of aloof and off putting, almost like talking to a computer most of the time. Other than that though, the bank is quite efficient and I have had no problems with it from a technical standpoint. Their website functions almost perfectly, and I have had no issues with my account in terms of security or convenience. If you're looking for a bank that does what it's suppose to do, but no much else, then this bank is perfect. Their rates and fees are pretty standard and reasonable. Although their customer service is lacking in soul, I do feel a sense of security and ease with this bank which is why I continue to use it. I feel safe and I can trust this bank.



Health Grade Components

NCUA #9373
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD8.38%
Annual Interest Income$24.4MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$599.2MM$522.9MM
LoansQ4 2016vs Q4 2015$482.7MM$396.4MM
DepositsQ4 2016vs Q4 2015$531.8MM$440.9MM
Equity CapitalQ4 2016vs Q4 2015$47.8MM$47.3MM
Loan Loss AllowanceQ4 2016vs Q4 2015$4.7MM$4.1MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.8MM$1.9MM
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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* 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

0.75%-$12kPerformance 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

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

5.00%*-$1kAffinity Checking
OTHER TIERS: 0.10% $1k - $15k | 0.25% $15k+

America's Credit Union CD Rates

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*$100k48 Months Flex CD
OTHER TIERS: 0.50% $500 - $25k
0.60%*$25k*$100k48 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*$100k24-47 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*$100k24-47 Months Flex CD
OTHER TIERS: 0.35% $500 - $25k
0.45%*$25k*$100k12-23 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*$100k12-23 Months Flex CD
OTHER TIERS: 0.25% $500 - $25k
0.30%$500$100k3-11 Months Standard CD
0.20%*$25k*$100k3-11 Months Flex CD
OTHER TIERS: 0.15% $500 - $25k

America's Credit Union IRA Rates

1.00%$10k-36 Month IRA Special
0.60%*$25k*$100k48 Months IRA
OTHER TIERS: 0.55% $500 - $25k
0.55%*$25k*$100k24-47 Months IRA
OTHER TIERS: 0.50% $500 - $25k
0.45%$500$100k12-23 Months IRA

America's Credit Union has 14 locations. Click to view all America's Credit Union locations.