America's Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.25%	4-year CD	48 Months Promotional Standard Share CD 2.40% - Goldman Sachs Bank USA High-yield 4 Year CD
1.00%	3-year CD	36 Months Promotional Standard Share CD 2.35% - Goldman Sachs Bank USA High-yield 3 Year CD
5.00%	Reward Checking	Affinity Checking 1.92% - National Average

View all America's Credit Union rates »

Overview / Commentary

www.youracu.org

253-964-3113

1495 Wilmington Dr Ste 1
DuPont, WA 98327

America's Credit Union is headquartered in Dupont and is the 20^th largest credit union in the state of Washington. It is also the 454^th largest credit union in the nation. It was established in 1954 and as of December of 2017, it had grown to 173 employees and 47,569 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 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: Kaight | Nov 16, 2017

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.

Comment

1

Great Bank Experience!

Posted by: America'sCreditUnion | Jul 11, 2015

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!!

Comment

2

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.

Comment

2

Affinity Checking Not Worth It

Posted by: WestCRateChaser | Aug 11, 2017

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.

Comment

3

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Health

B+

Data as of Q4 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #	9373
Year Chartered	1954
Employees	173
Primary Regulator

Profit Margin
Return on Assets - YTD	0.32%
Return on Equity - YTD	3.94%
Annual Interest Income	$24.3MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$614.3MM$599.2MM
Loans	Q4 2017vs Q4 2016	$481.4MM$482.7MM
Deposits	Q4 2017vs Q4 2016	$501.8MM$531.8MM
Equity Capital	Q4 2017vs Q4 2016	$49.0MM$47.8MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$4.5MM$4.7MM
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$3.0MM$1.8MM
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
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
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
1.86%	$500	-	24 Month Indexed Share Certificate Special
1.51%	$500	-	11 Month Promotional Standard Share Certificate
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
0.60%^*	$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
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

Locations

Availability

Seattle Area

Seattle Area bank & credit union details

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