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      Here is the difference!

      Credit unions are for the people.

      Credit unions follow the model of people taking care of people, while banks tend to focus on satisfying their stockholders.

      Credit Unions:

      • Each member who deposits money has a share of ownership
      • Members elect a volunteer Board of Directors to represent their interests
      • They are member service-driven
      • Return profits to members in a form of lower loan rates, higher savings rates and free or low cost services
      • Your deposit funds are NCUA insured up to $250K per membership type
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      Credit Union Facts

      Credit Union History
      People Help People
      Credit unions were created because people believed they could achieve a better way of life by grouping together their savings and making loans to neighbors, friends, and co-workers.
      Credit Union Membership
      World Wide Membership
      Credit unions are kind of a big deal! Credit union membership is enjoyed by over 126 million people world-wide.
      Credit Union History
      Credit Unions in the USA
      The first credit union in the USA was formed in 1909 by Alphonse Desjardins and Edward Filene. Interest rates were financially crippling to most people at that time, and the credit union offered a way out.
      Credit Union vs Banks
      Insurance Limits
      Credit union deposits are ensured up to $250,000 per ownership type by the NCUA. Bank deposits are ensured up to $250,000 by the FDIC.
      Credit Union Membership
      Member Focused
      Credit unions operate to promote the well-being of their members.
      Financial Institution Facts
      Customer Satisfaction
      Nearly 50% of consumers switch financial institutions at least once in their lifetime. One of the main reasons for switching is quality of services, fees, and convenience.
      Credit Union Membership
      Number of Credit Unions
      In 2022, there are 5,204 competing credit unions in the US. There are 4,636 Community Banks.
      Credit Union vs Banks
      Credit Union Benefits
      The not-for-profit status carried by credit unions benefit members because they are able to charge lower interest rates on loans, better interest on deposits, and overall lower fees.
      Financial Institution Facts
      Joining Credit Unions
      Last year, 2 million people between the ages of 18 and 35 joined a credit union. In fact, 28% of credit union members are under 35 while 54% of them are under age 50.
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      Check Eligibility to Join ACU

      Texas
      Texas Counties
      If you or a family member live, work, worship, or attend school within Dallas, Collin, or Rockwall County, we'd love the opportunity to serve you!
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      Missouri
      Springfield Select Employer Groups
      If you work for: Kraft Heinz, Don Johnson's Tobacco World, or Commercial Metals Company, in Springfield, we'd love the opportunity to serve you!
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      Other
      Other Eligibility
      If you are a family member of the Texas or Missouri eligibility groups, we'd love the opportunity to serve you!
      Join Today
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      Related Links

      About ACU
      ACU Mission
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      We offer affordable financial services you need with values you appreciate.
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      About ACU
      ACU History
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      See how is all started in 1934 and how we got to where we are today. It's been an incredible journey.
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      Benefits and Perks
      Member Benefits
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      Learn more about all of the great member benefits America's Credit Union offers.
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      Credit Union Performance
      Annual Reports
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      Here's the most recent financial report and quarterly newsletter from America's Credit Union.
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      Accounts
      Share Savings Account
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      Open your membership at ACU by establishing your share of ownership with our Share Savings Account.
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      Convenience
      Locations and ATMs
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      View the ACU branch locations and search for an ATM near you with our surcharge-free ATM network with over 90,000 ATMS,
      Learn More
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      ACU NMLS ID #562279

      NCUA
      Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency
      Privacy Policy

      America’s Credit Union will NOT ask you to update your information through an e-mailed link or a cell phone text message. Should you receive an e-mail or text message allegedly from America’s Credit Union requesting such an update, please contact us immediately.

      The ACU website features a number of links to entities associated with ACU and/or the credit union industry. By accessing any of these links, you will be leaving the ACU site and entering a site hosted by another party. For your protection, we encourage you to read the privacy and security policies of the sites you enter, as these policies may be different from those of ACU. 

      America's Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 972-494-5328 or 800-543-2811 so that we may promptly assist you and remedy any accessibility concerns.

      © America’s Credit Union 2023 All Rights Reserved.