What are the current interest rates at Americas Federal Credit Union ACU?

Current rates for Americas Federal Credit Union ACU include: 12-Month CD: 0.15%, 18-Month CD: 3.75%, 24-Month CD: 0.25%, Savings: 0.10%, MMA: 0.01%

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Americas Federal Credit Union ACU

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Americas Federal Credit Union ACU Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

Americas Federal Credit Union ACU's 18 Month IRA CDs rates are at 3.75%, 18 Month Promotional CDs rates are at 3.75%, 12 Month IRA CDs rates are at 3.55%, 36 Month Promotional CDs rates are at 3.35%, 48 Month IRA CDs rates are at 1.00%. Americas Federal Credit Union ACU's savings rates are at 0.10%. Americas Federal Credit Union ACU's money market rates are at 0.01%. 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%. 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 2.27%. Rates last updated and verified on 09/20/2026.

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.

Verified Healthy 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

2.27%

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

Americas Federal Credit Union ACU CD Rates

Product	Rate	APY	Term
18 Month IRA Share Certificates	3.69%	3.75%	18 Month
Min Deposit $1,000 Details Opening & Min. Balance Req. $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
18 Month Promotional Share Certificates	3.69%	3.75%	18 Months
Min Deposit $5,000 Min Balance $5,000 Details Opening & Min Balance Req. 18 Months Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
12 Month IRA Share Certificates	3.49%	3.55%	12 Month
Min Deposit $1,000 Details Opening & Min. Balance Req. $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
36 Month Promotional Share Certificates	3.30%	3.35%	36 Months
Min Deposit $5,000 Min Balance $5,000 Details Opening & Min Balance Req. 36 Months Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
48 Month IRA Share Certificates	1.00%	1.00%	48 Month
Min Deposit $1,000 Details Opening & Min. Balance Req. $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
33 Month IRA Share Certificates	0.60%	0.60%	33 Month
Min Deposit $1,000 Details Opening & Min. Balance Req. $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
36 Month Promotional Share Certificates	0.60%	0.60%	36 Month Flex
Min Deposit $500 Min Balance $500 Details Opening & Min. Balance Req. $500+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
48+ Month Share Certificates - STANDARD	0.55%	0.55%	48+ Month
Min Deposit $500 Min Balance $500 Details Opening & Min. Balance Req. $500 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
21 - 30 Month Promotional Share Certificates	0.50%	0.50%	21 - 30 Months
Min Deposit $500 Min Balance $500 Details Opening & Min. Balance Req. $500+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
23 Month IRA Share Certificates	0.50%	0.50%	23 Month
Min Deposit $1,000 Details Opening & Min. Balance Req. $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
24 - 47 Month Share Certificates - STANDARD	0.50%	0.50%	24 - 47 Month
Min Deposit $500 Min Balance $500 Details Opening & Min. Balance Req. $500 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
48+ Month Share Certificates - FLEX	0.50%	0.50%	48+ Month
Min Deposit $500 Min Balance $500 Details Opening & Min. Balance Req. $500 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
17 - 20 Month Promotional Share Certificates	0.40%	0.40%	17 - 20 Months
Min Deposit $500 Min Balance $500 Details Opening & Min. Balance Req. $500+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
13 - 23 Month Share Certificates - STANDARD	0.35%	0.35%	13 - 23 Month
Min Deposit $500 Min Balance $500 Details Opening & Min. Balance Req. $500 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
24 - 47 Month Share Certificates - FLEX	0.35%	0.35%	24 - 47 Month
Min Deposit $500 Min Balance $500 Details Opening & Min. Balance Req. $500 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
13 - 16 Month Promotional Share Certificates	0.30%	0.30%	13 - 16 Months
Min Deposit $500 Min Balance $500 Details Opening & Min. Balance Req. $500+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
3 - 12 Month Share Certificates - STANDARD	0.30%	0.30%	3 - 12 Month
Min Deposit $500 Min Balance $500 Details Opening & Min. Balance Req. $500 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
13 - 23 Month Share Certificates - FLEX	0.25%	0.25%	13 - 23 Month
Min Deposit $500 Min Balance $500 Details Opening & Min. Balance Req. $500 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
3 - 12 Month Share Certificates - FLEX	0.15%	0.15%	3 - 12 Month
Min Deposit $500 Min Balance $500 Details Opening & Min. Balance Req. $500 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Americas Federal Credit Union ACU Savings Rates

Product	Rate	APY
Performance Saver	1.00%	1.00%
Min Balance $10 Details Opening & Min Balance Req. $10+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Health Savings	0.20%	0.20%
Min Balance $0 Details Opening & Min Balance Req. $0+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Roth IRA Savings	0.20%	0.20%
Min Balance $0 Details Opening & Min Balance Req. $0+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Teen Savings	0.15%	0.15%
Min Balance $1 Details Opening & Min Balance Req. $1+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Tree Fort Club	0.15%	0.15%
Min Balance $1 Details Opening & Min Balance Req. $1+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
IRA Savings	0.10%	0.10%
Min Balance $0 Details Opening & Min Balance Req. $0+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Market Saver	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Market Saver	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Performance Saver	0.01%	0.01%
Min Balance $10 Details Opening & Min Balance Req. $10+; Performance Saver (without $10 monthly deposit) Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Americas Federal Credit Union ACU Money Market Rates

Product	Rate	APY
Money Market	0.50%	0.50%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Money Market	0.45%	0.45%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Balance: $500,000 - $999,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Money Market	0.35%	0.35%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Balance: $250,000 - $499,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Money Market	0.30%	0.30%
Min Balance $150,000 Details Balance: $150,000 - $249,999.99; Balance: $150,000 - $249,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Money Market	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000 - $149,999.99; Balance: $100,000 - $149,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Money Market	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Money Market	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Money Market	0.12%	0.12%
Min Balance $15,000 Details Balance: $15,000 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Guaranteed Money Market Ultra Account	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Money Market	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $14,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Money Market	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $4,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Americas Federal Credit Union ACU Checking Rates

Product	Rate	APY
Affinity Basic Checking	2.96%	3.00%
Min Balance $0 Details Balance: $0 - $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Affinity Basic Checking	0.75%	0.75%
Min Balance $1,000 Details Balance: $1,000.01 - $15,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Affinity Basic Checking	0.50%	0.50%
Min Balance $15,000 Details Balance: $15,000.01+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Affinity Premier Checking	0.50%	0.50%
Min Balance $15,000 Details Balance: $15,000.00 - $24,999.99; Balance: $15,000.00 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Affinity Premier Checking	0.25%	0.25%
Min Balance $5,000 Details Balance: $5,000.00 - $14,999.99; Balance: $5,000.00 - $14,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Affinity Premier Checking	0.01%	0.01%
Min Balance $35,000 Details Balance: $35,000.00+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Americas Federal Credit Union ACU Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Auto Loans	-	-	5.21%	0 - 36 Months
Details Published APR range: 5.21% - 13.21%. Estimated Payment Example $601 a month for 36 months, $20,000 loan at 5.21% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
New & Used Auto Loans	-	-	5.77%	37 - 48 Months
Details Published APR range: 5.77% - 13.77%. Estimated Payment Example $468 a month for 48 months, $20,000 loan at 5.77% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
New & Used Auto Loans	-	-	5.93%	49 - 60 Months
Details Published APR range: 5.93% - 13.93%. Estimated Payment Example $386 a month for 60 months, $20,000 loan at 5.93% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
New & Used Auto Loans	-	-	5.99%	61 - 72 Months
Details Published APR range: 5.99% - 14.14%. Estimated Payment Example $331 a month for 72 months, $20,000 loan at 5.99% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
New & Used Auto Loans	-	-	6.61%	73 - 84 months
Details Published APR range: 6.61% - 8.36%. Estimated Payment Example $298 a month for 84 months, $20,000 loan at 6.61% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

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

Product	Rate	APR	Term
Motorcycle Loans	-	8.05%	0 - 36 Months
Details Published APR range: 8.05% - 10.80%. Estimated Payment Example $627 a month for 36 months, $20,000 loan at 8.05% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Motorcycle Loans	-	8.24%	37 - 48 Months
Details Published APR range: 8.24% - 10.99%. Estimated Payment Example $491 a month for 48 months, $20,000 loan at 8.24% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Motorcycle Loans	-	8.74%	49 - 60 Months
Details Published APR range: 8.74% - 11.49%. Estimated Payment Example $413 a month for 60 months, $20,000 loan at 8.74% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Recreational Vehicle Loans (Motorhomes, Boats, Travel Trailers, Etc)	-	8.90%	0 - 60 Months
Details Published APR range: 8.90% - 11.90%. Estimated Payment Example $725 a month for 60 months, $35,000 loan at 8.90% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Motorcycle Loans	-	9.25%	61 - 72 Months
Details Published APR range: 9.25% - 10.75%. Estimated Payment Example $363 a month for 72 months, $20,000 loan at 9.25% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Motorcycle Loans	-	10.30%	73 - 84 Months
Details Published APR range: 10.30% - 10.30%. Estimated Payment Example $335 a month for 84 months, $20,000 loan at 10.30% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Recreational Vehicle Loans (Motorhomes, Boats, Travel Trailers, Etc)	-	10.50%	61 - 84 Months
Details Published APR range: 10.50% - 13.50%. Estimated Payment Example $590 a month for 84 months, $35,000 loan at 10.50% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Recreational Vehicle Loans (Motorhomes, Boats, Travel Trailers, Etc)	-	12.10%	85 - 120 Months
Details Published APR range: 12.10% - 15.10%. Estimated Payment Example $504 a month for 84 months, $35,000 loan at 12.10% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Recreational Vehicle Loans (Motorhomes, Boats, Travel Trailers, Etc)	-	13.70%	121 - 144 Months
Details Published APR range: 13.70% - 16.70%. Estimated Payment Example $496 a month for 144 months, $35,000 loan at 13.70% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Recreational Vehicle Loans (Motorhomes, Boats, Travel Trailers, Etc)	-	15.30%	145 - 180 Months
Details Published APR range: 15.30% - 18.00%. Estimated Payment Example $497 a month for 180 months, $35,000 loan at 15.30% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Americas Federal Credit Union ACU Credit Card Rates

Product	Rate	APR
Visa Platinum	-	8.79%
Details Published APR range: 8.79 - 18.00%. Based on creditworthiness when you open your account. APR will vary with the market based on the Prime Rate. See full Visa disclosure or Business Visa disclosure for more information. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Visa Platinum Rewards	-	9.79%
Details Published APR range: 9.79 - 18.00%. Based on creditworthiness when you open your account. APR will vary with the market based on the Prime Rate. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Visa Green Rewards	-	15.99%
Details Fixed annual percentage rate. APR for Balance Transfers \| 11.99% Fixed Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Americas Federal Credit Union ACU Personal Loan Rates

Product	APR	Term
Personal Loans	9.23%	0 - 24 Months
Details Published APR range: 9.23% - 17.50%. Estimated Payment Example $229 a month for 24 months, $5,000 loan at 9.23% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Personal Loans	9.48%	25 - 36 Months
Details Published APR range: 9.48% - 18.00%. Estimated Payment Example $160 a month for 36 months, $5,000 loan at 9.48% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Personal Loans	10.46%	37 - 48 Months
Details Published APR range: 10.46% - 15.88%. Estimated Payment Example $128 a month for 48 months, $5,000 loan at 10.46% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Personal Loans	11.51%	49 - 60 Months
Details Published APR range: 11.51% - 16.93%. Estimated Payment Example $110 a month for 60 months, $5,000 loan at 11.51% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Personal Loans	13.25%	61 - 72 Months
Details Published APR range: 13.25% - 15.48%. Estimated Payment Example $202 a month for 72 months, $10,000 loan at 13.25% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Personal Loans	13.50%	73 - 84 Months
Details Published APR range: 13.50% - 15.73%. Estimated Payment Example $369 a month for 84 months, $20,000 loan at 13.50% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Americas Federal Credit Union ACU Other Rates

Product	Rate	Points	APY/APR	Term
First Time Buyer Program Loan	-	-	12.32%	60 Months
Details Starting At Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
First Time Buyer Program Loan	-	-	13.85%	72 Months
Details Starting At Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
First Time Buyer Program Loan	-	-	12.32%	0 - 60 Months
Details Estimated Payment Example $438 a month for 60 months, $20,000 loan at 11.32%; Rate is eligible for discounts. Rate applied to "0" scores and thin files. Thin file defined as either: less than 12 months auto history OR less than 2 active trade lines with at least 12 months history each. Co-Signers do not impact the structure or the rate. Score determined by Experian FICO AUTO V8 score. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
First Time Buyer Program Loan	-	-	13.85%	61 - 72 Months
Details Estimated Payment Example $454 a month for 72 months, $20,000 loan at 12.85%; Rate is eligible for discounts. Rate applied to "0" scores and thin files. Thin file defined as either: less than 12 months auto history OR less than 2 active trade lines with at least 12 months history each. Co-Signers do not impact the structure or the rate. Score determined by Experian FICO AUTO V8 score. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Green Rewards Loan	-	-	15.99%
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Affinity Free	-	-	3.00%
Min Balance $0 Details Opening Balance Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Affinity Plus	-	-	1.00%
Min Balance $0 Details Opening Balance Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Affinity Premier	-	-	0.75%
Min Balance $25,000 Details Opening Balance Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Coverdell ESA	0.20%	-	0.20%
Min Balance $0 Details Opening & Min Balance Req. $0+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Regular Share	0.01%	-	0.01%
Min Balance $25 Details Opening & Min Balance Req. $25+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

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.

Financial Health History

Americas Federal Credit Union ACU’s Texas Ratio rose from 1.07% in Q2 2023 to 2.27% in Q1 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$699M	2.27%	5.0	A+
December 31, 2025	$706M	3.50%	5.0	A+
September 30, 2025	$704M	3.26%	5.0	A+
June 30, 2025	$695M	2.16%	5.0	A+
March 31, 2025	$700M	2.04%	5.0	A+
December 31, 2024	$697M	1.48%	5.0	A+
September 30, 2024	$693M	0.64%	5.0	A+
June 30, 2024	$688M	2.66%	5.0	A+
March 31, 2024	$690M	3.04%	5.0	A+
December 31, 2023	$696M	3.26%	5.0	A+
September 30, 2023	$697M	1.52%	5.0	A+
June 30, 2023	$702M	1.07%	5.0	A+

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 149

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

2.27%

Return on Assets (ROA)

0.2615%

Return on Equity (ROE)

2.4304%

Non-Performing Loans Ratio (NPL)

0.33%

Total Assets

698,669,084

Total Amount of Shares and Deposits

571,316,174

Total Shares and Deposits < 1 Year

496,607,128

Total Shares and Deposits 1 3 Years

74,656,113

Total Shares and Deposits > 3 Years

52,933

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

46,299,840

Total Uninsured Shares and Deposits > $250K (F+J)

46,299,840

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

525,016,334

Total Interest Expense (Sum of items 6 8)

2,231,457

Share Certificates

2,115

Number of Accounts for Share Drafts

23,797

IRA KEOGH Accounts

872

Number of Accounts for Regular Shares

34,235

All other shares

106

Non Member Deposits

Money Market Shares

2,935

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

1,827,200

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)

6,940,267

Total Liabilities

627,190,968

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

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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%
Savings0.10%
MMA0.01%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Americas Federal Credit Union ACU Rates & Review September 2026

Brian McKay

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Americas Federal Credit Union ACU earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Americas Federal Credit Union ACU

How many branches does Americas Federal Credit Union ACU operate?

Is a member application needed to join Americas Federal Credit Union ACU?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Americas Federal Credit Union ACU offer online and mobile banking?

Current Americas Federal Credit Union ACU Rates

Compare to Other Credit Unions