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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.
 ACFCU Rates & Review October 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.
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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
ACFCU's top rates as of October 12, 2026 are 4.01% APY on its 20 Month CD, 0.35% APY on savings, 0.75% APY on money market accounts, 0.25% APY on checking, and personal loans from 13.45% APR, according to rates verified by MonitorBankRates. Other ACFCU CD rates include No Penalty CD - 8 Month at 3.86%, No Penalty CD - 18 Month at 3.79%, and 6 Month CD at 3.40%. MonitorBankRates evaluates the financial stability of ACFCU with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.26%. Rates last updated and verified on 10/12/2026. 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. 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. ACFCU CD Rates
ACFCU Savings Rates
ACFCU Money Market Rates
ACFCU Checking Rates
ACFCU Business Checking Rates
ACFCU Home Equity & HELOC
ACFCU Auto Loan Rates
ACFCU RV, Boat and Powersport Loan Rates
ACFCU Personal Loan Rates
ACFCU Other Rates
Financial Health HistoryACFCU’s Texas Ratio rose from 1.41% in Q3 2023 to 7.26% in Q2 2026, so its financial health has held steady at a healthy level 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)
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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 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.26%
Return on Assets (ROA)
0.2821%
Return on Equity (ROE)
3.2830%
Non-Performing Loans Ratio (NPL)
1.06%
Total Assets
319,016,460
Total Amount of Shares and Deposits
296,688,667
Total Shares and Deposits < 1 Year
282,493,665
Total Shares and Deposits 1 3 Years
12,469,223
Total Shares and Deposits > 3 Years
1,725,779
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
23,333,803
Total Uninsured Shares and Deposits > $250K (F+J)
23,333,803
Total Insured Shares and Deposits > $250K (item 17 less item K)
273,354,864
Total Interest Expense (Sum of items 6 8)
2,782,482
Share Certificates
1,638
Number of Accounts for Share Drafts
11,485
IRA KEOGH Accounts
802
Number of Accounts for Regular Shares
27,074
Money Market Shares
209
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)
11,425,141
Total Liabilities
291,458,586
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for ACFCU 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 ACFCU
Frequently Asked Questions About ACFCUHow 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. Current ACFCU Rates
Retrieved from our database of financial products. Rates subject to change.
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