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 542nd largest credit union in the nation. It was established in 1954 and as of June of 2020, it had grown to 162 employees and 41,066 members at 12 locations. America's Credit Union 's money market rates are 14% higher than the national average, and it has an A 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.

ACU Review - 5 Stars

Posted by: |

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).

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Health

Health Grade Components

Overall
NCUA #9373
Year Chartered1954
Employees162
Primary Regulator
Profit Margin
Return on Assets - YTD-0.12%
Return on Equity - YTD-1.55%
Annual Interest Income$11.1MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$617.7MM$578.8MM
LoansQ2 2020vs Q2 2019$426.1MM$444.5MM
DepositsQ2 2020vs Q2 2019$560.1MM$502.6MM
Equity CapitalQ2 2020vs Q2 2019$46.5MM$48.0MM
Loan Loss AllowanceQ2 2020vs Q2 2019$5.3MM$5.0MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$1.0MM$1.8MM
Real Estate OwnedQ2 2020vs Q2 2019$0$186.00K
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
1.00%*$25*$1mBusiness Amplify Savings - 12 Month Intro Rate
OTHER TIERS: 0.40% $1m+
0.40%$25-Business Amplify Savings
0.25%$10$12kPerformance Saver
0.20%--Coverdell ESA
0.20%--Roth IRA Savings
0.20%--Health Savings Account (HSA)
0.20%--Christmas Club
0.15%$1-Teen Savings
0.15%$1-Tree Fort Club
0.10%--IRA Savings
0.05%$25-Business Amplify Savings Share

America's Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 - $1m | 0.25% $100k - $150k | 0.30% $150k - $250k | 0.35% $250k - $500k
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: 0.10% $1k - $15k | 0.25% $15k+
1.01%-$25kAffinity Plus Checking
1.01%*$25k*$35kAffinity Premier Checking
OTHER TIERS: 0.01% $35k+ | 0.25% $5k - $15k | 0.70% $15k - $25k
0.01%$25-Regular Share Checking

America's Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
0.50%$10k-24 Month Promotional Share Certificate
0.45%$500$25k12 Month Standard Share Certificate Special
0.45%$500-12 Month Promotional Share Certificate Special
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
0.30%$500-13-16 Month Promotional Share Certificate
0.30%$500-6 Month Promotional Share Certificate Special
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
0.60%$1k-33 Month IRA
0.50%$1k-23 Month IRA
0.30%$1k-13 Month IRA
Locations

Availability



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