|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Americas Federal Credit Union ACU Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 28, 2026
Americas Federal Credit Union ACU's 12 Month Promotional CD rates are at 3.75%, 18 Month Promotional CD rates are at 3.75%, Promotional CD - 36 Month Flex rates are at 0.60%, 21 - 30 Month Promotional CD rates are at 0.50%, 24 - 47 Month CDs - STANDARD rates are at 0.50%. Americas Federal Credit Union ACU's savings rates are at 0.20%. Americas Federal Credit Union ACU's money market rates are at 0.50%. Americas Federal Credit Union ACU's checking rates are as high as 3.00%. Americas Federal Credit Union ACU's Personal Loan Rates are as low as 9.23%. Americas Federal Credit Union ACU's Credit Card Rates are at 8.79%. Americas Federal Credit Union ACU's CD rates are 62% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Americas Federal Credit Union ACU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.23%. Rates last updated and verified on 10/28/2026. Americas Federal Credit Union ACU 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 Americas Federal Credit Union ACU? Share your experience about Americas Federal Credit Union ACU by leaving a review below, or read customer reviews before you decide to use Americas Federal Credit Union ACU. Americas Federal Credit Union ACU
Dupont 1495 Wilmington Dr Ste 1
https://www.youracu.org Dupont, WA 98327-8807  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Americas Federal Credit Union ACU CD Rates
Americas Federal Credit Union ACU Savings Rates
Americas Federal Credit Union ACU Money Market Rates
Americas Federal Credit Union ACU Checking Rates
Americas Federal Credit Union ACU Auto Loan Rates
Americas Federal Credit Union ACU Credit Card Rates
Americas Federal Credit Union ACU Personal Loan Rates
Americas Federal Credit Union ACU Other Rates
Financial Health HistoryAmericas Federal Credit Union ACU’s Texas Ratio rose from 1.52% in Q3 2023 to 2.23% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Americas Federal Credit Union ACU 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 Americas Federal Credit Union ACU 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 Americas Federal Credit Union ACU's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Americas Federal Credit Union ACU
Website
https://www.youracu.org
Address
1495 Wilmington Dr Ste 1,
Dupont, WA 98327-8807
Phone
253-964-3113
Fax
253-964-3672
President
Kyle Lentz
CEO
Kenneth Leonard
Full-Time Employees
139
Part-Time Employees
1
Branch Locations
13
ATM Locations
13
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.23%
Return on Assets (ROA)
0.2828%
Return on Equity (ROE)
2.6622%
Non-Performing Loans Ratio (NPL)
0.32%
Total Assets
709,505,308
Total Amount of Shares and Deposits
575,761,888
Total Shares and Deposits < 1 Year
519,389,072
Total Shares and Deposits 1 3 Years
56,367,141
Total Shares and Deposits > 3 Years
5,675
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
47,778,382
Total Uninsured Shares and Deposits > $250K (F+J)
47,778,382
Total Insured Shares and Deposits > $250K (item 17 less item K)
527,983,506
Total Interest Expense (Sum of items 6 8)
4,563,279
Share Certificates
2,207
Number of Accounts for Share Drafts
23,931
IRA KEOGH Accounts
879
Number of Accounts for Regular Shares
34,505
All other shares
108
Non Member Deposits
3
Money Market Shares
3,158
Net Income (unless the amount is already included in Undivided Earnings)
2,006,161
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,566,076
Total Liabilities
638,150,825
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Americas Federal Credit Union ACU yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Americas Federal Credit Union ACU
Frequently Asked Questions About Americas Federal Credit Union ACUDoes Americas Federal Credit Union ACU offer CDs?Yes. Americas Federal Credit Union ACU current CD rates include its 12 Month Promotional CD at 3.75% APY, its 18 Month Promotional CD at 3.75% APY and its Promotional CD - 36 Month Flex at 0.60% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Americas Federal Credit Union ACU NCUA insured?Yes. Americas Federal Credit Union ACU is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Americas Federal Credit Union ACU?The highest Americas Federal Credit Union ACU CD rate is its 12 Month Promotional CD at 3.75% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Americas Federal Credit Union ACU offer?Americas Federal Credit Union ACU CD rates are 0.15% APY for a 12 month CD, 3.75% APY for an 18 month CD, 0.25% APY for a 2 year CD, 0.50% APY for a 30 month CD, 0.60% APY for a 3 year CD and 0.50% APY for a 47 month CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Americas Federal Credit Union ACU for its full lineup. What is the highest savings rate at Americas Federal Credit Union ACU?The highest Americas Federal Credit Union ACU savings rate is its Health Savings at 0.20% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest money market rate at Americas Federal Credit Union ACU?The highest Americas Federal Credit Union ACU money market rate is its Money Market at 0.50% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest checking rate at Americas Federal Credit Union ACU?The highest Americas Federal Credit Union ACU checking rate is its Affinity Basic Checking at 3.00% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest auto loan rate at Americas Federal Credit Union ACU?The lowest Americas Federal Credit Union ACU auto loan rate is its Auto Loans at 5.21% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at Americas Federal Credit Union ACU?The lowest Americas Federal Credit Union ACU personal loan rate is its Personal Loans at 9.23% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest credit card APR at Americas Federal Credit Union ACU?The lowest Americas Federal Credit Union ACU credit card APR is its Visa Platinum Credit Card at 8.79% APR, verified by MonitorBankRates as of October 28, 2026. How many branches does Americas Federal Credit Union ACU operate?Americas Federal Credit Union ACU 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 Americas Federal Credit Union ACU?Yes, to access services at Americas Federal Credit Union ACU, 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, Americas Federal Credit Union ACU 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, Americas Federal Credit Union ACU provides members with tools to manage their accounts and build a solid financial history. Does Americas Federal Credit Union ACU offer online and mobile banking?Most modern institutions like Americas Federal Credit Union ACU 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://www.youracu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Americas Federal Credit Union ACU rates compare?Americas Federal Credit Union ACU's CD rates are 62% lower than the MonitorBankRates national average, and it has an A+ health rating. Americas Federal Credit Union ACU's top rates are its 12 Month Promotional CD at 3.75% APY, its Health Savings at 0.20% APY, its Money Market at 0.50% APY, its Affinity Basic Checking at 3.00% APY, its Personal Loans at 9.23% APR and its Visa Platinum Credit Card at 8.79% APR, verified by MonitorBankRates on October 28, 2026. Current Americas Federal Credit Union ACU Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Benton County Schools Credit Union
Public Service Ed Trenton Credit Union
Hoosier United Credit Union
Telco Community Credit Union
Virginia Credit Union
Healthcare Employees Federal Credit Union
Advantage Credit Union Newtown, IA
Independence Teachers Credit Union
Chivaho Federal Credit Union
Hazleton School Employees Credit Union
Northwest Plus Credit Union
Parks Heritage Federal Credit Union
DuGood Federal Credit Union
Vulcraft Employees Credit Union
First Baptist Church Federal Credit Union
Fort Sill Federal Credit Union
Comunidad Latina Federal Credit Union
Class Act Credit Union
Ukrainian Selfreliance of Western PA Federal Credit Union
WeStreet Federal Credit Union
Avista Corp Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
