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ACU Credit Union

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ACU Credit Union Rates & Review April 2026

Q: How many branches does ACU Credit Union operate?

ACU Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join ACU Credit Union?

Yes, to access services at ACU Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, ACU Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, ACU Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 17, 2026

You can compare ACU Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.20%, 6-month share certificate rates at 3.04% and 3-month share certificate rates at 0.25%. Savings rates are at 0.02% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.20%. All these rates can be compared to ACU Credit Union rates. MonitorBankRates evaluates the financial stability of ACU Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.47%. Rates were last updated on 04/17/2026.

ACU Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at ACU Credit Union? Share your experience about ACU Credit Union by leaving a review below, or read customer reviews before you decide to use ACU Credit Union.

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.47%

Excellent Higher than avg

ACU Credit Union
ACU Credit Union

701 College Dr
Abilene, TX 79601

https://acucreditunion.com

Current Rate Availability

We do not have ACU Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for ACU Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather ACU Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with ACU Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name ACU Credit Union

Website https://acucreditunion.com

Address 701 College Dr, Abilene, TX 79601

Phone 325-674-2486

Fax 325-674-6774

President Joe Cardot

CEO Troy Mann

Full-Time Employees 1

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (93/100)

Texas Ratio

14.47%

Return on Assets (ROA)

-0.4626%

Return on Equity (ROE)

-2.0642%

Non-Performing Loans Ratio (NPL)

5.07%

Total Assets

5,904,831

Total Amount of Shares and Deposits

4,585,404

Total Shares and Deposits < 1 Year

4,585,404

Total Insured Shares and Deposits > $250K (item 17 less item K)

4,585,404

Total Interest Expense (Sum of items 6 8)

38,924

Share Certificates

Number of Accounts for Regular Shares

849

Net Income (unless the amount is already included in Undivided Earnings)

-29,558

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

542,967

Total Liabilities

4,581,450

Source: NCUA — Last Updated 03/31/2024

Customer Reviews

There are no reviews for ACU Credit Union yet. Feel free to create one below.

Average Rating

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Total Reviews

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Frequently Asked Questions About ACU Credit Union

Is ACU Credit Union a safe place to deposit money?

Yes, ACU Credit Union is considered a safe financial institution. With a Texas Ratio of 14.473402426297%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does ACU Credit Union operate?

ACU Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join ACU Credit Union?

Yes, to access services at ACU Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, ACU Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, ACU Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does ACU Credit Union offer online and mobile banking?

Most modern institutions like ACU Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://acucreditunion.com.