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Americas Federal Credit Union ACU Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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.
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| iEditorial Disclosure
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 12, 2026

Americas Federal Credit Union ACU's top rates as of October 12, 2026 are 3.75% APY on its 18 Month IRA CDs CD, 0.20% APY on savings, 0.50% APY on money market accounts, 3.00% APY on checking, personal loans from 9.23% APR, and credit cards from 8.79% APR, according to rates verified by MonitorBankRates. Other Americas Federal Credit Union ACU CD rates include Promotional CDs - 12 month (New Money) at 3.75%, Promotional CDs - 18 month at 3.75%, and 12 Month IRA CDs at 3.55%. 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 10/12/2026.

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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.23%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Americas Federal Credit Union ACU
Dupont
1495 Wilmington Dr Ste 1
Dupont, WA 98327-8807
https://www.youracu.org
Member NCUA
Customer Reviews
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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

Product Rate APY Term View More
18 Month IRA Share Certificates 3.69% 3.75% 18 Month
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Promotional Share Certificates - 12 month (New Money) 3.69% 3.75% 12 Months
Min Deposit $500
Details New money only
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Promotional Share Certificates - 18 month 3.69% 3.75% 18 Months
Min Deposit $5,000
Details Opening & Min Balance Req. $5,000+
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
12 Month IRA Share Certificates 3.49% 3.55% 12 Month
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
48 Month IRA Share Certificates 1.00% 1.00% 48 Month
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
33 Month IRA Share Certificates 0.60% 0.60% 33 Month
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 4 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Promotional Share Certificates - 36 Month Flex 0.60% 0.60% 36 Month
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.60% APY
0.10%0.60%1.10%Oct 12, 2026: 0.60% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
48+ Month Share Certificates - STANDARD 0.55% 0.55% 48+ Month
Min Deposit $500
Details Opening & Min. Balance Req. $500 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 6 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
23 Month IRA Share Certificates 0.50% 0.50% 23 Month
Min Deposit $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
24 - 47 Month Share Certificates - STANDARD 0.50% 0.50% 24 - 47 Month
Min Deposit $500
Details Opening & Min. Balance Req. $500 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 12, 2026: 0.50% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Promotional Share Certificates - 21 - 30 month 0.50% 0.50% 21-30 months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 8, 2026: 0.50% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
48+ Month Share Certificates - FLEX 0.50% 0.50% 48+ Month
Min Deposit $500
Details Opening & Min. Balance Req. $500 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Promotional Share Certificates - 17 - 20 month 0.40% 0.40% 17-20 months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 8, 2026: 0.40% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
13 - 23 Month Share Certificates - STANDARD 0.35% 0.35% 13 - 23 Month
Min Deposit $500
Details Opening & Min. Balance Req. $500 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.35% APY
0.00%0.43%0.85%Oct 12, 2026: 0.35% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
24 - 47 Month Share Certificates - FLEX 0.35% 0.35% 24 - 47 Month
Min Deposit $500
Details Opening & Min. Balance Req. $500 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.35% APY
0.00%0.43%0.85%Oct 12, 2026: 0.35% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
3 - 12 Month Share Certificates - STANDARD 0.30% 0.30% 3 - 12 Month
Min Deposit $500
Details Opening & Min. Balance Req. $500 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.30% APY
0.00%0.40%0.80%Oct 12, 2026: 0.30% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Promotional Share Certificates - 13 - 16 month 0.30% 0.30% 13-16 months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 8, 2026: 0.30% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
13 - 23 Month Share Certificates - FLEX 0.25% 0.25% 13 - 23 Month
Min Deposit $500
Details Opening & Min. Balance Req. $500 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 12, 2026: 0.25% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
3 - 12 Month Share Certificates - FLEX 0.15% 0.15% 3 - 12 Month
Min Deposit $500
Details Opening & Min. Balance Req. $500 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 12, 2026: 0.15% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%

Americas Federal Credit Union ACU Savings Rates

Product Rate APY View More
Performance Saver 1.00% 1.00%
Min Deposit $10
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 12, 2026: 1.00% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Health Savings 0.20% 0.20%
Min Deposit $0
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 12, 2026: 0.20% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Roth IRA Savings 0.20% 0.20%
Min Deposit $0
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 12, 2026: 0.20% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Teen Savings 0.15% 0.15%
Min Deposit $1
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 12, 2026: 0.15% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Tree Fort Club 0.15% 0.15%
Min Deposit $1
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 12, 2026: 0.15% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
IRA Savings 0.10% 0.10%
Min Deposit $0
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 12, 2026: 0.10% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Market Saver 0.10% 0.10%
Min Balance $2,500
Details Balance: $2,500+
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Market Saver 0.01% 0.01%
Min Balance $0
Details Balance: $0 - $2,499.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 4, 2026: 0.01% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Performance Saver (without monthly deposit) 0.01% 0.01%
Min Deposit $10
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.01% APY
0.00%0.26%0.51%Oct 12, 2026: 0.01% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%

Americas Federal Credit Union ACU Money Market Rates

Product Rate APY View More
Money Market 0.50% 0.50%
Min Balance $1,000,000
Details Balance: $1,000,000 and over
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Money Market 0.45% 0.45%
Min Balance $500,000
Details Balance: $500,000 - $999,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 6 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Money Market 0.35% 0.35%
Min Balance $250,000
Details Balance: $250,000 - $499,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Money Market 0.30% 0.30%
Min Balance $150,000
Details Balance: $150,000 - $249,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Money Market 0.25% 0.25%
Min Balance $100,000
Details Balance: $100,000 - $149,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Money Market 0.20% 0.20%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Oct 4, 2026: 0.20% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Money Market 0.15% 0.15%
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Oct 4, 2026: 0.15% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Money Market 0.12% 0.12%
Min Balance $15,000
Details Balance: $15,000 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.12% APY · checked 3 times
0.00%0.31%0.62%Oct 4, 2026: 0.12% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Guaranteed Money Market Ultra Account 0.10% 0.10%
Min Balance $0
Details Balance: $0 - $2,499.99; Promotional Money Market Account
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 4, 2026: 0.10% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Money Market 0.10% 0.10%
Min Balance $5,000
Details Balance: $5,000 - $14,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 4, 2026: 0.10% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Money Market 0.01% 0.01%
Min Balance $0
Details Balance: $0 - $4,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 4, 2026: 0.01% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%

Americas Federal Credit Union ACU Checking Rates

Product Rate APY View More
Affinity Basic Checking 2.96% 3.00%
Min Balance $0
Details Qualifying balance up to $1,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Affinity Premier Checking 0.50% 0.50%
Min Balance $15,000
Details Balance: $15,000.00 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Affinity Premier Checking 0.25% 0.25%
Min Balance $5,000
Details Balance: $5,000.00 - $14,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Affinity Premier Checking 0.01% 0.01%
Min Balance $35,000
Details Balance: $35,000.00+
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%

Americas Federal Credit Union ACU Auto Loan Rates

Product Rate Points APR Term View More
New & Used Auto Loans - - 5.21% 0 - 36 Months
Details Published APR range: 5.21% - 13.21%. Estimated payment: $601 a month for 36 months, $20,000 loan at 5.21%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.21% APR · checked 6 times
4.71%5.21%5.71%Sep 14, 2026: 5.21% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
New & Used Auto Loans - - 5.77% 37 - 48 Months
Details Published APR range: 5.77% - 13.77%. Estimated payment: $468 a month for 48 months, $20,000 loan at 5.77%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.77% APR · checked 5 times
5.27%5.77%6.27%Sep 14, 2026: 5.77% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
New & Used Auto Loans - - 5.93% 49 - 60 Months
Details Published APR range: 5.93% - 13.93%. Estimated payment: $386 a month for 60 months, $20,000 loan at 5.93%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.93% APR · checked 5 times
5.43%5.93%6.43%Sep 14, 2026: 5.93% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
New & Used Auto Loans - - 5.99% 61 - 72 Months
Details Published APR range: 5.99% - 14.14%. Estimated payment: $331 a month for 72 months, $20,000 loan at 5.99%; Minimum loan amount $10,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
New & Used Auto Loans - - 6.61% 73 - 84 months
Details Published APR range: 6.61% - 8.36%. Estimated payment: $298 a month for 84 months, $20,000 loan at 6.61%; Minimum loan amount $20,000
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 6.61% APR · checked 5 times
6.11%6.61%7.11%Sep 14, 2026: 6.61% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%

Americas Federal Credit Union ACU RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Motorcycle Loans - 8.05% 0 - 36 Months
Details Published APR range: 8.05% - 10.80%. Estimated payment: $627 a month for 36 months, $20,000 loan at 8.05%; Floor rate 6.80% including all possible discounts
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 8.05% APR · checked 5 times
7.55%8.05%8.55%Sep 14, 2026: 8.05% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Motorcycle Loans - 8.24% 37 - 48 Months
Details Published APR range: 8.24% - 10.99%. Estimated payment: $491 a month for 48 months, $20,000 loan at 8.24%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 8.24% APR · checked 5 times
7.74%8.24%8.74%Sep 14, 2026: 8.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Motorcycle Loans - 8.74% 49 - 60 Months
Details Published APR range: 8.74% - 11.49%. Estimated payment: $413 a month for 60 months, $20,000 loan at 8.74%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 8.74% APR · checked 5 times
8.24%8.74%9.24%Sep 14, 2026: 8.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Recreational Vehicle Loans (Motorhomes, Boats, Travel Trailers, Etc) - 8.90% 0 - 60 Months
Details Published APR range: 8.90% - 11.90%. Estimated payment: $725 a month for 60 months, $35,000 loan at 8.90%; Floor rate 7.65% including all possible discounts
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 8.90% APR · checked 6 times
8.40%8.90%9.40%Sep 14, 2026: 8.90% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Motorcycle Loans - 9.25% 61 - 72 Months
Details Published APR range: 9.25% - 10.75%. Estimated payment: $363 a month for 72 months, $20,000 loan at 9.25%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 5 times
8.75%9.25%9.75%Sep 14, 2026: 9.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Motorcycle Loans - 10.30% 73 - 84 Months
Details Published APR range: 10.30% - 10.30%. Estimated payment: $335 a month for 84 months, $20,000 loan at 10.30%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 10.30% APR · checked 5 times
9.80%10.30%10.80%Sep 14, 2026: 10.30% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Recreational Vehicle Loans (Motorhomes, Boats, Travel Trailers, Etc) - 10.50% 61 - 84 Months
Details Published APR range: 10.50% - 13.50%. Estimated payment: $590 a month for 84 months, $35,000 loan at 10.50%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 5 times
10.00%10.50%11.00%Sep 14, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Recreational Vehicle Loans (Motorhomes, Boats, Travel Trailers, Etc) - 12.10% 85 - 120 Months
Details Published APR range: 12.10% - 15.10%. Estimated payment: $504 a month for 84 months, $35,000 loan at 12.10%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 12.10% APR · checked 5 times
11.60%12.10%12.60%Sep 14, 2026: 12.10% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Recreational Vehicle Loans (Motorhomes, Boats, Travel Trailers, Etc) - 13.70% 121 - 144 Months
Details Published APR range: 13.70% - 16.70%. Estimated payment: $496 a month for 144 months, $35,000 loan at 13.70%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 13.70% APR · checked 5 times
13.20%13.70%14.20%Sep 14, 2026: 13.70% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Recreational Vehicle Loans (Motorhomes, Boats, Travel Trailers, Etc) - 15.30% 145 - 180 Months
Details Published APR range: 15.30% - 18.00%. Estimated payment: $497 a month for 180 months, $35,000 loan at 15.30%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 15.30% APR · checked 5 times
14.80%15.30%15.80%Sep 14, 2026: 15.30% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%

Americas Federal Credit Union ACU Credit Card Rates

Product Rate APR View More
Visa Platinum - 8.79%
Details Published APR range: 8.79 - 18.00%. Credit card; APR based on creditworthiness; will vary with the market based on the Prime Rate
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 8.79% APR · checked 6 times
8.29%8.79%9.29%Sep 14, 2026: 8.79% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Visa Platinum Rewards - 9.79%
Details Published APR range: 9.79 - 18.00%. APR for Purchases; based on creditworthiness; will vary with the market based on the Prime Rate; 1% cash reward on net purchases
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 9.79% APR · checked 4 times
9.29%9.79%10.29%Sep 20, 2026: 9.79% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Visa Green Rewards - 15.99%
Details Fixed APR; APR for Balance Transfers: 11.99% fixed
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 15.99% APR · checked 6 times
15.49%15.99%16.49%Sep 14, 2026: 15.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%

Americas Federal Credit Union ACU Personal Loan Rates

Product APR Term View More
Personal Loans 9.23% 0 - 24 Months
Details Published APR range: 9.23% - 17.50%. Estimated payment: $229 a month for 24 months, $5,000 loan at 9.23%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 9.23% APR · checked 5 times
8.73%9.23%9.73%Sep 14, 2026: 9.23% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Personal Loans 9.48% 25 - 36 Months
Details Published APR range: 9.48% - 18.00%. Estimated payment: $160 a month for 36 months, $5,000 loan at 9.48%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 9.48% APR · checked 5 times
8.98%9.48%9.98%Sep 14, 2026: 9.48% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Personal Loans 10.46% 37 - 48 Months
Details Published APR range: 10.46% - 15.88%. Estimated payment: $128 a month for 48 months, $5,000 loan at 10.46%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 10.46% APR · checked 5 times
9.96%10.46%10.96%Sep 14, 2026: 10.46% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Personal Loans 11.51% 49 - 60 Months
Details Published APR range: 11.51% - 16.93%. Estimated payment: $110 a month for 60 months, $5,000 loan at 11.51%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 11.51% APR · checked 5 times
11.01%11.51%12.01%Sep 14, 2026: 11.51% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Personal Loans 13.25% 61 - 72 Months
Details Published APR range: 13.25% - 15.48%. Estimated payment: $202 a month for 72 months, $10,000 loan at 13.25%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 13.25% APR · checked 5 times
12.75%13.25%13.75%Sep 14, 2026: 13.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Personal Loans 13.50% 73 - 84 Months
Details Published APR range: 13.50% - 15.73%. Estimated payment: $369 a month for 84 months, $20,000 loan at 13.50%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 13.50% APR · checked 5 times
13.00%13.50%14.00%Sep 14, 2026: 13.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%

Americas Federal Credit Union ACU Other Rates

Product Rate Points APY/APR Term View More
First Time Buyer Program - 60 Months Loan - - 12.32% 60 months
Details Starting At
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 12.32% APR
11.82%12.32%12.82%Oct 12, 2026: 12.32% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
First Time Buyer Program - 72 Months Loan - - 13.85% 72 months
Details Starting At
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 13.85% APR
13.35%13.85%14.35%Oct 12, 2026: 13.85% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
First Time Buyer Program Loan - - 12.32% 0 - 60 Months
Details Vehicle loan; Estimated payment: $438 a month for 60 months, $20,000 loan at 11.32%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 12.32% APR · checked 6 times
11.82%12.32%12.82%Sep 14, 2026: 12.32% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
First Time Buyer Program Loan - - 13.85% 61 - 72 Months
Details Vehicle loan; Estimated payment: $454 a month for 72 months, $20,000 loan at 12.85%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 13.85% APR · checked 5 times
13.35%13.85%14.35%Sep 14, 2026: 13.85% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Green Rewards Loan - - 15.99%
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 15.99% APR · checked 6 times
15.49%15.99%16.49%Sep 14, 2026: 15.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Affinity Free - - 3.00%
Min Balance $0
Details Balance: $0 - $1,000 Opening Balance
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Affinity Plus - - 1.00%
Min Balance $0
Details Balance: $0 - $25,000 Opening Balance
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 4, 2026: 1.00% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Affinity Premier - - 0.75%
Min Balance $25,000
Details Balance: $25,000 - $34,999 Opening Balance
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 4, 2026: 0.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Coverdell ESA 0.20% - 0.20%
Min Deposit $0
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 12, 2026: 0.20% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Regular Share 0.01% - 0.01%
Min Deposit $25
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.01% APY
0.00%0.26%0.51%Oct 12, 2026: 0.01% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Americas 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.

0% 1.0★ 1.2% 2.0★ 2.4% 3.0★ 3.5% 4.0★ 4.7% 5.0★ Healthy zone – entire history below the 15% limit 1.52% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 2.23% A+ Q2 2026
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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$710M2.23%5.0A+
March 31, 2026$699M2.27%5.0A+
December 31, 2025$706M3.50%5.0A+
September 30, 2025$704M3.26%5.0A+
June 30, 2025$695M2.16%5.0A+
March 31, 2025$700M2.04%5.0A+
December 31, 2024$697M1.48%5.0A+
September 30, 2024$693M0.64%5.0A+
June 30, 2024$688M2.66%5.0A+
March 31, 2024$690M3.04%5.0A+
December 31, 2023$696M3.26%5.0A+
September 30, 2023$697M1.52%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates 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
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Americas Federal Credit Union ACU earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/americas-federal-credit-union-a-rates-review-9373">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Americas Federal Credit Union ACU yet. Feel free to create one below.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Americas Federal Credit Union ACU

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.

Current Americas Federal Credit Union ACU Rates

  • 12-Month CD0.15%
  • 18-Month CD3.75%
  • 24-Month CD0.25%
  • Savings0.20%
  • MMA0.50%
Retrieved from our database of financial products. Rates subject to change.

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