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.


  • Available on individual accounts only.
  • Limited to one bonus per account number.
  • Members with existing ACU checking accounts are not eligible for this bonus.

Performance Saver Account

In March 2014, I wrote about ACU’s Performance Saver Account, an account tailored to help meet savings goals through required monthly deposits and a maturity term of 12 months. The Performance Saver Account is still available and earns 1.51% APY if the required monthly deposits (minimum $10 – maximum $2,500) are made. If the minimum monthly deposit is not made, the APY will revert to the Regular Share rate (currently 0.05% APY).

0.75%$10$12kAmerica's Credit Union Performance Saver
Rates as of September 19, 2019.

There are two sentences on the Performance Saver page that seem to contradict each other:

No withdrawals are allowed before maturity.

Penalty may be imposed for early withdrawal.

According to CSR, early withdrawals are permitted, but will incur a penalty of 90 days interest.

Competitive CD Rates

Over the past few years, America’s Credit Union has offered a variety of competitive CDs that have appeared in DepositAccounts.com’s Best CD Rates Summary. ACU’s 5-month Loyalty CD (1.00% APY) has been included in the now bi-weekly Summary for approximately a year.


Headquartered in Fort Lewis, Washington, membership in America’s Credit Union is open to all members of the United States Armed Forces, but also provides an easy way for anyone to join through the Association of the United States Army. As stated on America’s Credit Union’s online application:

Typically, membership in ACU includes all members of the Armed Forces (active, retired, and reservists), civilian personnel, and relatives of these members, as well as select employer groups. If you do not fall within these categories, you can join the Association of the United States Army (AUSA) in order to become a member of ACU. When completing your online application select the first bulleted item to indicate you are eligible as a member of AUSA.

Other routes to membership in ACU are employment at 60+ SEGs, family relationship to current ACU members, and residency. Complete details are listed on the first page of the online application.

Joining America’s Credit Union and opening an account can be done online or in person at any of 12 Washington branches located in Dupont, Fort Lewis (3), Lacey, Lakewood (2), Spanaway (2), Tacoma (2) and University Place.

Credit Union Overview

America’s Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas ratio of 5.12% (excellent), based on December 31, 2014 data. In the past year, America’s Credit Union increased its total deposit by $28.37 Million, an excellent annual growth rate of 7.82%. Please refer to our financial overview of America’s Credit Union for more details.

America’s Credit Union (NCUA Certificate # 9373) 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 and expanded to today’s 41,000+ members and assets in excess of $452 Million.

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

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.

Other Bank Promotions and Bonuses

Not eligible for the America’s Credit Union $100 checking bonus? Check out my latest bank and credit union bonus blog posts to find other promotions. In addition, DepositAccounts.com readers and I also post often on bonuses in the Bank Promotions Forum.

Related Pages: America's Credit Union , Seattle

Anonymous   |     |   Comment #1
Hi Ken-FYI-On that promotion you listed for Pinnacle Bank(Nebraska) a few months back......apparently it takes more than 90 days to get the $100 bonus. I'm not sure why they say 90 days from opening the account. Wanted to let you know as probably many readers opened the account as it had an easy bonus. Hopefully we will get it.
Ken Tumin
Ken Tumin   |     |   Comment #2
Thanks for the comment. I've updated that blog post with your info.
gbtexas   |     |   Comment #4
Ken, please see my comment......there is no problem with getting the bonus.
Anonymous   |     |   Comment #6
Oh.....because you got it .....there is no problem?  who cares if others have not, right? as long as you're ok.
gbtexas   |     |   Comment #3
You may very well have a problem.  My 90 day period with Pinnacle occurred around the 14th.  They deposited the $100 bonus on the 16th, yesterday.
Special CD Rates at America's Credit Union in WA - Easy Membership

America's Credit Union is offering two competitive promotional share certificates. One is a 3-year CD with a 1.50% APY, and the second is a 4-year CD with a 1.80% APY. Minimum deposit is $10,000. The rates are listed in the credit union's deposit rates page as of 4/3/2014.

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:

Other Deals

America’s Credit Union continues to offer a $100 bonus for opening a checking account with direct deposit. I last...

Continue Reading
$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:

The three checking accounts that qualify for the bonus are Choice Checking, Perk Checking and Checking Direct. You can review the features of these...

Continue Reading
Competitive CD Rates at America's Credit Union in WA - Easy Membership

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
  • 2.25% APY 33-48 month
  • 2.05% APY 26-32 month
  • 1.65% APY 17-19 month
  • 1.55% APY...
Continue Reading
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.

The rest of the post was originally published on 9/09/2009.

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:
  • 3.00% APY 25 month
  • 2.75% APY 19 month
  • 2.50% APY...

Continue Reading
4.00% 7-Month Add-On CD at America's Credit Union in WA - Easy Membership
Update 2/14/09: New lower rate Super Bump Flex Certificates have been posted: 2.50% APY 3-month

Update 1/24/09: New lower rate Super Bump Flex Certificates have been posted: 3.25% APY 6-month and 2.75% APY 3-month

Update 12/15/08: The term of the Super Bump Flex CD has changed from 15 to 7 months.

America's Credit Union continues to list a competitive yield on its Super Bump Flex Certificate. It's a 4.00% APY 15-month certificate with a minimum deposit of $500. This rate is shown in the credit union's rate table as of 12/15/08. The 4%...

Continue Reading

More Past Offers

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.