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We welcome Texas Telcom members to the family! Let's get you started!  To enroll in digital banking, select the dark blue Login button at the top right of this screen and select Enroll Now below the Username box, or click here for more information. We are excited to be part of your financial journey!

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3.39% APR 1 as low as

Shopping for a Car?

Unstoppable Auto Rates Are Here!

Drive away in the car of your dreams with rats as low as 3.39% APR 1 Whether you're shopping for a new ride or refinancing your current vehicle, our competitive rates and flexible terms make financing easier than ever. With fast approvals, low monthly payments, and no hidden fees, getting behind the wheel has never been more affordable. Apply today and start your journey toward stress-free car ownership!

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New Member Campaign - Auto Loan Promotion 2025

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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes regarding all personal finance issues. Rates, conditions, and terms may vary based on an individual’s credit worthiness and credit union underwriting guidelines.

Find the Perfect Budget

Find your perfect car budget that fits your financial situation. Whether buying your first car or upgrading to a new one, these tips will help you make a smart and confident decision.

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

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