America's Credit Union

ACU's lowest variable rate credit card, starting at 8.79% APR. No annual fee, no gimmicks.

Earn 1% cash back on every purchase with the ACU Visa Platinum Rewards card. No annual fee, competitive 9.79%+ APR, and a built-in holiday bonus every November.

ACU Affinity Plus Checking: 10 cents cash back on debit purchases, 1.00% APY dividends, free cell phone insurance, and identity protection for $7 a month.

ACU Affinity Free Checking offers no monthly fee, no minimum balance, and 3.00% APY on balances up to $1,000.

Quarterly member newsletters from America's Credit Union: financial education, community updates, product announcements, and member stories. 2026 archive.

Buying a car is one of the largest financial decisions most people make outside of buying a home. Work the checklist in the right order and it becomes a straightforward transaction instead of a stressful one.

Credit monitoring helps users track their credit score and understand how daily financial decisions affect it.

ACU warns members that scammers impersonate the credit union to access online banking accounts and never requests passwords or passcodes via call, text, or email.

On August 25, 2026, Bill Pay in Online Banking moves to a new service provider. Most payees and scheduled payments carry over automatically, but a few minutes of review keeps everything on schedule.

America's Credit Union is informing members about a cybersecurity incident affecting TruStage, a third-party provider of insurance and financial services to credit unions and their members.

The Dispatch is the ACU news hub: security alerts, money guidance, product updates, and stories from the JBLM and South Sound community.

For a limited time, ACU members can earn 3.75% APY on a 12-month share certificate opened with $500 or more in new money. The rate is fixed for the full term. Available through November 2026.

ACU mortgage options: conventional fixed, 5/5 ARM Pure Plus with 100% LTV, Jumbo, Raw Land, VA, and home equity. Talk to a mortgage expert for current rates.

Ken Leonard joined Fort Lewis Federal Credit Union in 1979 as a 17-year-old mail courier and became CEO in 1993, growing ACU to thirteen locations.

America's Credit Union offers business services through local commercial bankers with lending, credit, and cash management expertise.

The ACU Foundation is a 501(c)(3) nonprofit serving military members and South Puget Sound residents, with nearly $1M raised through the Turkey Shoot.

America's Credit Union publishes annual reports detailing financial transparency, community impact, and stewardship as a member-owned credit union.

Forbes Best-In-State Credit Union 2024, 2025, and 2026, BauerFinancial 5-Star rated, NAFCU Credit Union of the Year, and 20+ JBLM unit recognitions for ACU.

Founded at Fort Lewis in 1954, America's Credit Union is a not-for-profit, member-owned credit union serving the military community and South Puget Sound.

Find America's Credit Union branches and ATMs across the South Puget Sound and JBLM: 13 locations with addresses, hours, drive-up, ATM, and notary services.

America's Credit Union serves the military community and members nationwide since 1954.

Find answers fast in the ACU Help Center: cards and digital wallets, sending money, skip a payment, military and JBLM resources, and reaching a real person.

America's Credit Union Lakewood branch, 6310 Mt. Tacoma Drive SW. Open Saturdays. Drive-up teller, safe deposit boxes, coin machine, notary.

Free checking, competitive rates, and a credit union Forbes ranks among Washington's best, for members across the U.S.

America's Credit Union Privacy Notice outlines data collection, sharing policies, user rights, and protections as of November 1, 2024.

Account agreements, rate and fee schedules, disclosures, and the Website Terms of Service for America's Credit Union, all in one place.