America's Credit Union Offers 2.38% On 12-Month CD


Deal Summary: 12-month Standard CD, 2.38% APY, $500 minimum deposit

Availability: Easy membership requirement

America's Credit Union (ACU) has a 12-month Standard CD (2.38% APY) that’s only become competitive recently. While the 2.38% APY has been in effect for almost a year, that rate started looking good in the last couple of weeks. The minimum opening deposit is $500, with no stated balance cap.

As stated in the Truth-in-Savings disclosure, the Early Withdrawal Penalty reads as follows:

The early withdrawal penalty is the most recent 90 days of dividends earned or would have been earned, or the total dividends earned since the date of issuance or renewal, whichever is less. If the dividend has already been paid, the penalty will be deducted from the principal.

Funding can be done by ACH, wire transfer, or check. Maturing funds will be distributed through a cashier’s check or transferred into an ACU Regular Share account.

Affinity Plus Checking

ACU unveiled its new rewards checking account, Affinity Plus Checking, about a year ago. The initial 2.00% APY on qualifying balances up to $25k is still in effect. In addition, you’ll earn 10¢ each time your debit card is used. Qualify balances over $25k and non-qualifying balances do not earn any interest.

1.00%$0$25kAmerica's Credit Union Affinity Plus Checking
Rates as of July 18, 2024.

The qualifying requirements are straightforward:

  • At least 15 debit card transactions (minimum $5) per month.
  • Log into ACU Online or ACU Mobile App at least once per month.
  • Sign up for and receive e-statements.

ATM fees will be reimbursed up to $10 per month on qualifying balances. There is a $7 monthly maintenance fee that cannot be waived. ACU justifies the $7 fee this way:

Why charge $7 for what used to be a free account?

To offer all the benefits of Affinity Plus Checking we need members to be engaged in our services. When they are, we can extend substantial rates and savings. The service charge is there so members who choose not to engage with the credit union can still take advantage of the benefits.

Why pay $13 dollars a month for cell phone coverage and another $10 per month for identity theft when we can use ACU’s cooperative buying power to get it all for $7 per month.


Headquartered in DuPont, Washington, America’s Credit Union offers membership to all U.S. citizens and resident aliens by making an $8 donation to the Pacific Northwest Consumer Council, a branch of the American Consumer Council.

I looked at the online application, I saw four options under “I qualify for membership because …”, none of which were the Pacific Northwest Consumer Council. My next step was click on everything and I found it under the first option, “I live, work, worship, or attend school in the Pacific Northwest.”

I am a resident of Puget Sound, DuPont, NW Landing, or I would like to make a donation to the Pacific Northwest Consumer Council to become a member.

According to ACU’s Join Us page, anyone who lives in the Pacific Northwest is eligible for membership. CSR stated that Pacific Northwest is generously defined as Washington, Oregon, northern California, and Idaho.

Members of the United States Armed Forces (active, retired, or reservist) and active/retired civil service members qualify for membership, as do members of the Association of the United States Army (AUSA).

Family members (spouse, parent, child, grandchild, sibling, aunt/uncle, cousin) of current ACU members are welcome to apply.

Joining America’s Credit Union can be done online or at any of 14 Washington branches located in Dupont, Graham, Joint Base Lewis-McChord (2) Lacey, Lakewood (2), Puyallup, Spanaway (2), Tacoma (3) and University Place.

A minimum deposit of $25 to your Regular Savings account will be required.

While savings, checking, and Money Market accounts can be opened online, opening any CD must be done either in-branch or over the phone. CSR suggested submitting a membership online application, then calling ACU to open the CD.

ACU’s branches are mainly in Pierce and Thurston Counties, but,

Through the CO-OP ATM and Shared Branching networks, we provide you with more than 30,000 ATMs and 5,300 branch locations nationwide where you can conduct your ACU transactions.

Credit Union Overview

America’s Credit Union has an overall health grade of "B+" at, with a Texas Ratio of 3.82% (excellent), based on June 30, 2019 data. ACU has an average capitalization level (9.16%), the result of holding $578.78 million in assets with $53.0 million in equity. Please refer to our financial overview of America’s Credit Union (NCUA Charter # 9373) for more details.

America’s Credit Union was founded in 1954 as the Fort Lewis Federal Credit Union by a small group of civilian employees of the U.S. Government. Just like every other successful credit union, ACU started small as it met the needs of a select group, and gradually grew to become Washington’s 23rd largest credit union, with more than 43,300 members and assets in excess of $578 million.

The following quote from ACU’s website describes a rather amazing transformation:

It’s amazing how times have changed for the credit union and our members. For instance, in 1964 the credit union accepted two Angus Cows valued at $150 each and two Hereford Cows valued at $200 each as collateral on a loan for a 1957 Plymouth. Now, our members conduct transactions and deposit checks through their mobile phone or tablet.

How the Standard CD Compares

When compared to 224 similar length-of-term CDs tracked by that require a similar minimum deposit and are available nationwide, America’s Credit Union's 12-month CD APY currently ranks first.

The above rates are accurate as of 10/28/2019.

To look for the best CD rates, either nationwide or state specific, please refer to our CD Rates Table page.

Related Pages: Seattle checking accounts, reward checking accounts, 1-year CD rates, nationwide deals

  |     |   Comment #1
What is this talk of $7 for cell phone "coverage?":

Why pay $13 dollars a month for cell phone coverage and another $10 per month for identity theft when we can use ACU’s cooperative buying power to get it all for $7 per month.

I find the same comment at their Website, but no explanation of it. What do they even mean by "coverage," it is not service as in footnotes it does say there might be data or messaging charges by YOUR service provider.
Earn $100 With A New Checking Account At America's Credit Union
Availability: Easy membership

$100 Checking Account Bonus

America's Credit Union (ACU) continues to offer a $100 bonus when opening a new checking account with direct deposit. The latest iteration of this popular promotion is valid through June 30, 2015.

$100 Checking Bonus Requirements

  • Direct deposit of at least $500 must be initiated within 30 days of opening a Choice Checking, Perk Checking, or Checking Direct account.
  • Checking account must remain open for 12 months with direct deposit.
  • A coupon for $100 will be issued within 60 days of initial direct deposit being received.


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According to the credit union's Truth-in-Savings Certificate Account Disclosure, the early withdrawal penalty is up to 90 days of dividends (interest). Here’s an excerpt:

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$100 Checking Account Bonus at America's Credit Union

Many readers may already be members of America's Credit Union due to their past CD specials. They currently don't have any noteworthy CD specials, but they're offering a checking account promotion in which you can earn $100. It requires direct deposit of at least $500 per month for 12 months. The promotion is listed at this credit union page as of 8/9/2011. Below is the small print:

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America's Credit Union is offering six competitive CDs with terms from 6 to 48 months. Several readers may remember this credit union from last year when they offered some hot add-on CDs. These new CDs don't have an add-on feature, but the rates are noteworthy. These are promotional share certificates with a $25,000 minimum deposit. The rates are listed in the credit union's deposit rates page as of the morning of 12/03/2010, and are shown below:

  • 2.55% APY 48-month and over
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3.00% 25-Month CD & 2.50% 13-Month CD with Add-On Feature at America's Credit Union - Easy Membership
Update 9/25/09: The specials have changed, and the rates have fallen. There's now only one Super Bump Flex Certificate: 2.50% APY for 25 months. The other ones are now standard share certificates: 2.00% APY for 7 months and 2.15% APY for 13 months.

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America's Credit Union is again offering a hot deal on its Super Bump Flex Certificates. There are 4 very competitive rates listed in the credit union's deposit rates page as of 9/09/09:
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More Past Offers

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