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You Can Be A Member Too.

Why You Should Join the ACU Family!

If you are looking for a financial institution with better rates, lower fees, and a more personal connection...then a credit union is the way to go.  At ACU, we are for the people vs for-profit and we are owned by members of the credit union.  We offer many of the same services as banks, but function as a cooperative institution where people work together to help other people in their community.  

  • Membership based on a common bond
  • Not for profit
  • Lower rates on loans
  • Higher returns on savings
  • Lower fees

We haven't even touched on our exclusive member rewards and our overall great service.  We are about people helping people!  Join ACU and experience the ACU difference!  

Join ACU Today
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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!
Missouri
Springfield Select Employer Groups
If you work for - Kraft Heinz, Don Johnson's Tobacco World, or Commercial Metals Company, in Springfield.
Other
Other Eligibility
If you are a family member of the Texas or Missouri eligibility groups, we would love the opportunity to serve you!
Join Today

The following Select Employer Groups also qualify for membership.  Click to view.

So many benefits even banks are jealous...

This is just the start.
  • Free checking accounts with great rewards
  • First class digital banking app with mobile deposits
  • Online banking 
  • Use the MoneyPass® ATM network to avoid paying a surcharge fee
  • Lower rates on loans 
  • Personalized service
  • Skip-A-Payment
  • Tax services discount
  • Access to a financial advisor 

and much more...

With all these great benefits, why wouldn't you join?  Come and experience the ACU difference! 

Join ACU Today
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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!
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!
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

For a detailed list of Select Employer Groups click here.  

Ready to get started?

Join the credit union movement!

To become a member, you will need the following:

  • Social Security Number
  • Driver's License or Government ID
  • Current Home Address
  • Credit Card or Bank Routing Number to fund your account
  • $25 for initial deposit 

To open your account, you can stop by one of our convenient branch locations, call us at 972-494-5328, or go online to open your account.   We are excited to have you join us!

 

Join Today

What makes a credit union different from a bank?

If you are ready for a new checking account or a mortgage or auto loan, you may be asking yourself which financial institution is right for you?

Credit unions and banks both offer deposit accounts and many of the same types of loans along with ATM services and online and mobile banking. But in truth, there are a multitude of differences that will impact you and your wallet which you should consider.

About America's Credit Union

Our mission is to empower member-owners to improve their economic well-being. We do that by placing high value and importance on our core values: service, integrity, excellence, financial stability, and the cooperative philosophy.

We are dedicated to improving the communities that we serve. You'll see ACU employees volunteering and participating in various events throughout the year in our local community. You can get involved by subscribing to our blog posts and newsletter to stay up-to-date on our upcoming community involvement you can participate in. 

ACU is governed by a volunteer Board of Directors. These volunteers are members at ACU. If you're a member-owner you can run for election onto our Board of Directors too! A Board of Directors comprised of members is just one of the ways credit unions differ from banks. 

We have a rich history in the Garland, TX community. First formed as the Kraft Credit Union on November 6, 1934, we have grown and evolved over the years to the strong credit union we are today. Visit Our History page for more information about ACU over the years.

Questions About Membership at ACU?

If you have any questions about membership at ACU don't hesitate to reach out. We have Member Service Representatives at all of our branch locations who can answer your questions and talk to you about membership. You can also use the form on our Contact Us page to submit questions or get our phone numbers.