Your Local Credit Union | America's Credit Union

Discover tools that keep pace with you

No matter where the month takes you.

Credit Cards

Rates as low as

9.99% APR ²

Auto Loans

Fixed-Rate up to 36 months as low as

3.89% APR ²

Digital Wallet

Easily add your Visa® credit and debit card to your device's digital wallet for convenient payments for in-store, online, and in-app purchases.

Home Equity Loans

Low, fixed interest rates!

Terms from 5 to 30 years

Love My Credit Union Rewards

With offers on tax services and a $10,000 sweepstakes to add more to your return, it pays to be one of our members.

Join Us Today

Annual volunteer hours

Years of better rates and lower fees

Average Google rating out of 5 stars

News & Updates

Stay up to date on all things new & exciting happening at America’s CU!

We Are Celebrating You, Our Members!

Got Friends? Ret Rewards! Invite your friends to join the fun, and we'll send some awesome rewards your way. Earn a $75 cash bonus for each new member they bring to America’s CU.

Fraud Awareness - Quishing.

Be aware of a popular scam: Quishing, short for QR code phishing, is an identity fraud scam that utilizes QR codes.

Maximize Your Home's Value with Home Equity Loans.

Access low, fixed-rate loans with flexible terms to fund your next big project.

Shopping for a new car?

Unstoppalbe Auto Rates Are Here! Time to take advantage of lower rates for the summer.

Real stories of banking that fit life's rhythm.

What our members are saying

"Everyone is always so nice and professional."

Allen Smith
2024

"I was told to help and invest in a local bank I never got anything out of that until I found America's Credit Union, it's never too late to be happy."

Claude Daniel
2024

"I’ve been with America’s Credit Union going on 15 years because of their rates and customer service. When talking about customer service, Trish R. goes above and beyond to make sure to get you the very best deal and build a relationship. I would not do business with any other bank because of the experience she provides. With most banks, they make you feel like it’s a burden to loan you money, but with ACU, they gladly lend a helping hand to loan you anything you need at an exceptional interest rate. This credit union deserves 10 stars across the board."

Kyle Williams
2024

"I went to open up my first credit union account and got Veronica at the Garland location. She has been such huge help. She explained how different plans work, and got the best plan for me. She also helped and explained to me about the process on how the check deposit works. She also at the mesquite location. I recommend going to American credit union and asking for Veronica."

Tara Washington
2024

"We have been members of ACU for 15+ years and have been highly satisfied with the customer service every time. Sandra White, Karen Spears, and Kawana Coleman are just a few of the many employees there that have helped us over the years."

Stephanie Tang
2025

"ACU is a great credit union. But it is the employees that make it the greatest. Whether it's the drive thru or going inside, you will get the best customer service. A HUGE shout-out to Karen Spears. She is the best! I commented on a bench in her office and she gave it to me! Been a member of ACU for over 20 years and love it."

Tracy Johnson
2025

"Miranda is very attentive, big smile, and excellent Customer Service. Thank you!"

Ana Avina
2025

"Very patience and willing to go the extra mile."

Sharon Kirbie

"Trish Reyes was a DOLL to work with! So professional, helpful, timely and made my experience incredible. I will definitely be telling everyone I know to work with Tish for auto loan approvals through America’s Credit Union in the future. Tish, thank you for being so personable, knowledgeable and supportive! You are the best!"

Michelle Morris
2025

Disclosures

¹ APY = Annual Percentage Yield stated for balances over $1,000.00. The 7-Month or 13-Month Certificate of Deposit is a Limited-time promotion and is subject to change without notice. The promotional rate is available for members with, a) a current America's CU checking account, or b) if member does not have a checking account with America's CU they can bring a minimum of $10,000 to the existing credit union funds to purchase the CD, or c) new money not currently with America's CU. Funds cannot be withdrawn and brought back within 30 days to be considered for the promotional rate. See our CD and IRA rates.

² APR=Annual Percentage Rate

Banking that moves at your pace

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