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Membership at ACU

Membership Information

Join ACU Today

You're an Owner!

When you join America's Credit Union you will also become part owner in our financial cooperative. Your $25.00 Share Savings Account opening deposit represents your share of ownership in our credit union.

At ACU, banking is more than just a series of deposits and withdrawals. It's about people who are just like you coming together to pool resources to improve everyone's financial well-being. 

We believe in the cooperative principle of people helping people. When you make a deposit we use that money to issue loans to other members. When you take out a loan, the interest you pay goes back into the pool of funds other members can use. The more each member-owner relies on ACU for deposit accounts and loans, the more every member benefits from lower loan rates, higher deposit rates, and fewer fees. Every time you choose ACU you help the whole membership!

Welcome sign on chalkboard

Membership Eligibility

You are eligible to become a member if you or any of your relatives reside or work in any of the following Texas counties:

  • Dallas County
  • Collin County
  • Rockwall County

You are also eligible if you or any of your relatives work for, are retired from, or receive benefits from any of the following companies:

  • Kraft Heinz
  • U.S. FoodService (formerly Alliant FoodService)
  • Philip Morris and any of its subsidiaries
  • Valspar, Inc.
  • Raytheon
  • Sherwin Williams
  • Employees of the Texas Post Offices: Rowlett, Wylie,  Rockwall, Royse City, Garland or Terrell
  • Plus other businesses

About ACU

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.


Become a Member-Owner of ACU Today!


Join ACU Today