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 448th largest credit union in the nation. It was established in 1954 and as of June of 2017, it had grown to 131 employees and 47,232 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 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

Related Posts

View all posts from:

ACU Review - 5 Stars

Posted by: TJHubb | Jul 8, 2015

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).

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!!

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.

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.



Health Grade Components

NCUA #9373
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.49%
Return on Equity - YTD6.16%
Annual Interest Income$11.8MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$609.2MM$586.3MM
LoansQ2 2017vs Q2 2016$473.0MM$477.8MM
DepositsQ2 2017vs Q2 2016$537.9MM$501.7MM
Equity CapitalQ2 2017vs Q2 2016$48.8MM$47.3MM
Loan Loss AllowanceQ2 2017vs Q2 2016$4.1MM$5.7MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.9MM$1.5MM
Real Estate OwnedQ2 2017vs Q2 2016$0$0
Report an Issue

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

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