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UPDATE 11/25/20:  The main number to the ACCESS 24 bank-by-phone service is not yet fully operational, though there are now four underlying numbers within the system that are working. You may dial any of them to access the system. Those numbers are:  972-494-3862; 972-272-6660; 972-487-6899; and 972-485-0314. 

ACU offices will be closed Thursday, November 26th and Friday, November 27th in observance of the Thanksgiving holiday. The drive thru at our Forest Lane office will be open Saturday, November 28th from 9am to 1pm. 

      Call Center

      (800) 543-2811
      View All Locations & ATMs

      ACU Deposit Rates

        The Best Rates at ACU

        At America's Credit Union we update our rates often to be able to offer our member-owners the highest deposit rates. If you're looking for great rates from a local, community-based credit union, you're in the right spot!

         

        Deposit Account Rates

        Share Savings Account Rates

        View the Savings Account Page for details.

        Account Type Dividend Rate* Annual Percentage Yield (APY)* Dividends Paid on Amounts
        TEXT
        Regular Savings
        TEXT
        0.05%
        TEXT
        0.05%
        TEXT
        $200.00 - $9,999.99
        TEXT
        Regular Savings
        TEXT
        0.10%
        TEXT
        0.10%
        TEXT
        $10,000.00 and above
        Effective May 11, 2020
        Account Type

        Regular Savings

         Dividend Rate*

        0.05%

         Annual Percentage Yield (APY)*

        0.05%

         Dividends Paid on Amounts

        $200.00 - $9,999.99
        Account Type

        Regular Savings

         Dividend Rate*

        0.10%

         Annual Percentage Yield (APY)*

        0.10%

         Dividends Paid on Amounts

        $10,000.00 and above
        Effective May 11, 2020

        * Fees could reduce the earnings. Rate/Yield on the above accounts is subject to change daily. Questions? Call 1-800-543-2811.

        IRA Savings Account Rates

        View the IRA Page for details.

        Account Type Interest Rate* Annual Percentage Yield (APY)* Interest Paid On Amounts
        TEXT
        IRA Deposit Account
        TEXT
        0.05%
        TEXT
        0.05%
        TEXT
        $200.00 - $9,999.99
        TEXT
        IRA Deposit Account
        TEXT
        0.10%
        TEXT
        0.10%
        TEXT
        $10,000.00 and above
        Effective May 11, 2020
        Account Type

        IRA Deposit Account

         Interest Rate*

        0.05%

         Annual Percentage Yield (APY)*

        0.05%

         Interest Paid On Amounts

        $200.00 - $9,999.99
        Account Type

        IRA Deposit Account

         Interest Rate*

        0.10%

         Annual Percentage Yield (APY)*

        0.10%

         Interest Paid On Amounts

        $10,000.00 and above
        Effective May 11, 2020

        *Fees could reduce earnings. Questions? Call 1-800-543-2811.

        Special Savings and Club Account Rates

        View the Special Savings and Club Account Page for details.

        Account Type Dividend Rate* Annual Percentage Yield Dividends Paid on Amounts
        TEXT
        Special Savings
        TEXT
        0.05%
        TEXT
        0.05%
        TEXT
        $200.00 - $9,999.99
        TEXT
        Special Savings
        TEXT
        0.10%
        TEXT
        0.10%
        TEXT
        $10,000.00 and above
        TEXT
        Christmas Club
        TEXT
        0.05%
        TEXT
        0.05%
        TEXT
        $5.00 and above
        TEXT
        Vacation Club
        TEXT
        0.05%
        TEXT
        0.05%
        TEXT
        $5.00 and above
        Effective May 11, 2020
        Account Type

        Special Savings

         Dividend Rate*

        0.05%

         Annual Percentage Yield

        0.05%

         Dividends Paid on Amounts

        $200.00 - $9,999.99
        Account Type

        Special Savings

         Dividend Rate*

        0.10%

         Annual Percentage Yield

        0.10%

         Dividends Paid on Amounts

        $10,000.00 and above
        Account Type

        Christmas Club

         Dividend Rate*

        0.05%

         Annual Percentage Yield

        0.05%

         Dividends Paid on Amounts

        $5.00 and above
        Account Type

        Vacation Club

         Dividend Rate*

        0.05%

         Annual Percentage Yield

        0.05%

         Dividends Paid on Amounts

        $5.00 and above
        Effective May 11, 2020

        * Fees could reduce the earnings. Rate/Yield on the above accounts is subject to change daily. Questions? Call 1-800-543-2811.

        Youth Savings Account Rates

        View the Youth Savings Account Page for details.

        Account Type Dividend Rate* Annual Percentage Yield (APY)* Dividends Paid on Amounts
        TEXT
        Youth Savings
        TEXT
        0.05%
        TEXT
        0.05%
        TEXT
        $25.00 - $9,999.99
        TEXT
        Youth Savings
        TEXT
        0.10%
        TEXT
        0.10%
        TEXT
        $10,000.00 and above
        Effective May 11, 2020
        Account Type

        Youth Savings

         Dividend Rate*

        0.05%

         Annual Percentage Yield (APY)*

        0.05%

         Dividends Paid on Amounts

        $25.00 - $9,999.99
        Account Type

        Youth Savings

         Dividend Rate*

        0.10%

         Annual Percentage Yield (APY)*

        0.10%

         Dividends Paid on Amounts

        $10,000.00 and above
        Effective May 11, 2020

        * Fees could reduce the earnings. Rate/Yield on the above accounts is subject to change daily. Questions? Call 1-800-543-2811.

        Certificates of Deposit Rates

        View the Certificates of Deposit Page for details.

        Certificate of Deposit Interest Rate Annual Percentage Yield (APY)
        TEXT
        6 months under $100,000
        TEXT
        0.10%
        TEXT
        0.10%
        TEXT
        6 months $100,000 +
        TEXT
        0.10%
        TEXT
        0.10%
        TEXT
        12 months under $100,000
        TEXT
        0.20%
        TEXT
        0.20%
        TEXT
        12 months $100,000 +
        TEXT
        0.20%
        TEXT
        0.20%
        TEXT
        18 months under $100,000
        TEXT
        0.20%
        TEXT
        0.20%
        TEXT
        18 months $100,000 +
        TEXT
        0.20%
        TEXT
        0.20%
        TEXT
        24 months under $100,000
        TEXT
        0.30%
        TEXT
        0.30%
        TEXT
        24 months $100,000 +
        TEXT
        0.30%
        TEXT
        0.30%
        TEXT
        36 months under $100,000
        TEXT
        0.30%
        TEXT
        0.30%
        TEXT
        36 months $100,000 +
        TEXT
        0.30%
        TEXT
        0.30%
        Effective October 1, 2020
        Certificate of Deposit

        6 months under $100,000

         Interest Rate

        0.10%

         Annual Percentage Yield (APY)

        0.10%
        Certificate of Deposit

        6 months $100,000 +

         Interest Rate

        0.10%

         Annual Percentage Yield (APY)

        0.10%
        Certificate of Deposit

        12 months under $100,000

         Interest Rate

        0.20%

         Annual Percentage Yield (APY)

        0.20%
        Certificate of Deposit

        12 months $100,000 +

         Interest Rate

        0.20%

         Annual Percentage Yield (APY)

        0.20%
        Certificate of Deposit

        18 months under $100,000

         Interest Rate

        0.20%

         Annual Percentage Yield (APY)

        0.20%
        Certificate of Deposit

        18 months $100,000 +

         Interest Rate

        0.20%

         Annual Percentage Yield (APY)

        0.20%
        Certificate of Deposit

        24 months under $100,000

         Interest Rate

        0.30%

         Annual Percentage Yield (APY)

        0.30%
        Certificate of Deposit

        24 months $100,000 +

         Interest Rate

        0.30%

         Annual Percentage Yield (APY)

        0.30%
        Certificate of Deposit

        36 months under $100,000

         Interest Rate

        0.30%

         Annual Percentage Yield (APY)

        0.30%
        Certificate of Deposit

        36 months $100,000 +

         Interest Rate

        0.30%

         Annual Percentage Yield (APY)

        0.30%
        Effective October 1, 2020

        * Fees could reduce the earnings. Questions? Call 1-800-543-2811.

        Money Market Checking Account Rate

        View the Money Market Checking Account Page for details.

        Account Type Interest rate* Annual Percentage Yield (APY)* Interest Calculation Method Interest Paid Interest Paid on Amount Over
        TEXT
        Preferred Money Market
        TEXT
        0.05%
        TEXT
        0.05%
        TEXT
        Daily Balance
        TEXT
        Monthly
        TEXT
        $2,000.00
        Effective May 11, 2020
        Account Type

        Preferred Money Market

        Interest rate*

        0.05%

         Annual Percentage Yield (APY)*

        0.05%

         Interest Calculation Method

        Daily Balance

        Interest Paid

        Monthly

         Interest Paid on Amount Over

        $2,000.00
        Effective May 11, 2020

        * Fees could reduce the earnings. Rate/Yield on the above account is subject to change daily. Questions? Call 1-800-543-2811.

        IRA Certificate of Deposit

        View the Certificates of Deposit Page for details.

        Certificate of Deposit Interest Rate * Annual Percentage Yield (APY)*
        TEXT
        6 months under $100,000
        TEXT
        0.10%
        TEXT
        0.10%
        TEXT
        6 months $100,000 +
        TEXT
        0.10%
        TEXT
        0.10%
        TEXT
        12 months under $100,000
        TEXT
        0.20%
        TEXT
        0.20%
        TEXT
        12 months $100,000 +
        TEXT
        0.20%
        TEXT
        0.20%
        TEXT
        18 months under $100,000
        TEXT
        0.20%
        TEXT
        0.20%
        TEXT
        18 months $100,000 +
        TEXT
        020%
        TEXT
        0.20%
        TEXT
        24 months under $100,000
        TEXT
        0.30%
        TEXT
        0.30%
        TEXT
        24 months $100,000 +
        TEXT
        0.30%
        TEXT
        0.30%
        TEXT
        36 months under $100,000
        TEXT
        0.30%
        TEXT
        0.30%
        TEXT
        36 months $100,000 +
        TEXT
        0.30%
        TEXT
        0.30%
        Effective October 1, 2020
        Certificate of Deposit

        6 months under $100,000

         Interest Rate *

        0.10%

         Annual Percentage Yield (APY)*

        0.10%
        Certificate of Deposit

        6 months $100,000 +

         Interest Rate *

        0.10%

         Annual Percentage Yield (APY)*

        0.10%
        Certificate of Deposit

        12 months under $100,000

         Interest Rate *

        0.20%

         Annual Percentage Yield (APY)*

        0.20%
        Certificate of Deposit

        12 months $100,000 +

         Interest Rate *

        0.20%

         Annual Percentage Yield (APY)*

        0.20%
        Certificate of Deposit

        18 months under $100,000

         Interest Rate *

        0.20%

         Annual Percentage Yield (APY)*

        0.20%
        Certificate of Deposit

        18 months $100,000 +

         Interest Rate *

        020%

         Annual Percentage Yield (APY)*

        0.20%
        Certificate of Deposit

        24 months under $100,000

         Interest Rate *

        0.30%

         Annual Percentage Yield (APY)*

        0.30%
        Certificate of Deposit

        24 months $100,000 +

         Interest Rate *

        0.30%

         Annual Percentage Yield (APY)*

        0.30%
        Certificate of Deposit

        36 months under $100,000

         Interest Rate *

        0.30%

         Annual Percentage Yield (APY)*

        0.30%
        Certificate of Deposit

        36 months $100,000 +

         Interest Rate *

        0.30%

         Annual Percentage Yield (APY)*

        0.30%
        Effective October 1, 2020

        * Fees could reduce the earnings. Questions? Call 1-800-543-2811.

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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 2020 All Rights Reserved.