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ACFCU Rates & Review September 2026

Q: How many branches does ACFCU operate?

ACFCU 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 ACFCU?

Yes, to access services at ACFCU, 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, ACFCU 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, ACFCU 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 23, 2026

ACFCU's Personal Loan Rates are as low as 13.45%. MonitorBankRates evaluates the financial stability of ACFCU with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.53%. Rates last updated and verified on 09/23/2026.

ACFCU 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 ACFCU? Share your experience about ACFCU by leaving a review below, or read customer reviews before you decide to use ACFCU.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.53%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

ACFCU
ACFCU

6100 W Interstate 40
Amarillo, TX 79106-2515

https://www.acfcu.org

ACFCU Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	6.49%	-	6.49%
Details As Low As; Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%

ACFCU Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Vehicles Loan	-	-	4.99%	up to 72 months
Details As Low As; *96-month terms are available exclusively for A-tier members and apply only to new vehicles, RVs, motorcycles, or boats. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
New & Used Vehicles Loan	-	-	5.99%	up to 84 months
Details As Low As; *96-month terms are available exclusively for A-tier members and apply only to new vehicles, RVs, motorcycles, or boats. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
New Vehicles Loan	-	-	7.99%	up to 96* months
Details As Low As; *96-month terms are available exclusively for A-tier members and apply only to new vehicles, RVs, motorcycles, or boats. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%

ACFCU RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used Boats, RV's, Motorcycles Loan	-	6.99%	up to 72 months
Details As Low As; *96-month terms are available exclusively for A-tier members and apply only to new vehicles, RVs, motorcycles, or boats. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
New & Used Boats, RV's, Motorcycles Loan	-	7.99%	up to 84 months
Details As Low As; *96-month terms are available exclusively for A-tier members and apply only to new vehicles, RVs, motorcycles, or boats. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
New Boats, RV's, Motorcycles Loan	-	9.99%	up to 96* months
Details As Low As; *96-month terms are available exclusively for A-tier members and apply only to new vehicles, RVs, motorcycles, or boats. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%

ACFCU Personal Loan Rates

Product	APR	Term	View More
Personal Loans	13.45%	up to 60 months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%

ACFCU Other Rates

Product	Rate	Points	APY/APR	Term
Gold Star Loan	-	-	14.20%	up to 48 months
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%
Line of Credit	-	-	13.70%
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.53%

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

ACFCU’s Texas Ratio rose from 2.61% in Q2 2023 to 6.53% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$317M	6.53%	5.0	A
December 31, 2025	$309M	4.13%	5.0	A+
September 30, 2025	$306M	5.44%	5.0	A+
June 30, 2025	$307M	7.48%	5.0	A
March 31, 2025	$306M	6.32%	5.0	A
December 31, 2024	$294M	6.12%	5.0	A
September 30, 2024	$291M	2.65%	5.0	A+
June 30, 2024	$330M	3.41%	5.0	A+
March 31, 2024	$331M	1.93%	5.0	A+
December 31, 2023	$347M	2.91%	5.0	A+
September 30, 2023	$347M	1.41%	5.0	A+
June 30, 2023	$352M	2.61%	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 ACFCU 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 ACFCU 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 ACFCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name ACFCU

Website https://www.acfcu.org

Address 6100 W Interstate 40, Amarillo, TX 79106-2515

Phone 806-358-7561

Fax 806-358-6380

President Bob Miller

CEO Scott Rose

Full-Time Employees 92

Part-Time Employees 2

Branch Locations 5

ATM Locations 5

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.53%

Return on Assets (ROA)

0.2205%

Return on Equity (ROE)

2.5712%

Non-Performing Loans Ratio (NPL)

0.94%

Total Assets

317,399,053

Total Amount of Shares and Deposits

295,148,157

Total Shares and Deposits < 1 Year

278,379,529

Total Shares and Deposits 1 3 Years

14,493,696

Total Shares and Deposits > 3 Years

2,274,932

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

23,068,024

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

23,068,024

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

272,080,133

Total Interest Expense (Sum of items 6 8)

1,383,185

Share Certificates

1,584

Number of Accounts for Share Drafts

11,515

IRA KEOGH Accounts

808

Number of Accounts for Regular Shares

27,864

Money Market Shares

212

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)

22,336,975

Total Liabilities

289,801,229

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

ACFCU earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About ACFCU

How many branches does ACFCU operate?

ACFCU 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 ACFCU?

Yes, to access services at ACFCU, 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, ACFCU 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, ACFCU provides members with tools to manage their accounts and build a solid financial history.

Does ACFCU offer online and mobile banking?

Most modern institutions like ACFCU 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.acfcu.org.