America’s Credit Union Review

(April 2024)

America's Credit Union Review

In This Article

Our Verdict

America's Credit Union

Consider America’s Credit Union if you seek a credit union that offers a high paying interest rate and free reward without minimum balance qualification.

Know that with America’s Credit Union you are not to expect satisfying customer service as many of its customers complain still persists.

Here’s other relevant information you need to know:

America’s Credit Union

Corporate Headquarters

P.O. Box 5060

DuPont, WA 98327-5060

Find a branch or ATM

Local: 253-964-3113

Toll Free: 866-968-7128

Text: 253-964-3113


  • Free Checking account with rewards
  • Payment of high interest rates on rewards checking
  • Reasonably low interest rates on loans
  • Easy membership process
  • Fixed Interest Rates on Loans


  • Low APY savings account APY
  • High membership minimum balance
  • Not visible rates on website for Home Equity

Who This Product Is Best For

America's Credit Union website

Approach America’s Credit Union if you:

  • Want relatively low interest rates on loans.
  • Want a checking account which does not use minimum balance to give rewards.
  • Want high interest rates on checking accounts.

Who This Product Isn't Right For

Think of another Credit Union if you:

  • Want a transparent Home Equity Loan rates.
  • Want bank or credit union with high interest on savings.
  • Want credit union whose minimum balance to retain membership is not more than $5.

What This Product Offers

● Checking Account

Keep funds at America’s Credit Unions Checking account for your everyday use while you earn rewards or cash-back without payment of exorbitant service charge, consider. Don’t worry about meeting a minimum balance to earn the rewards or cash-back.

● Savings Account

Consider America’s Credit Union if you want a financial institution that gives you direct and not complicated types of savings accounts. Check from the list of  options of the savings accounts available on America’s Credit Union platform to decide which fits your circumstance.

● Credit Cards

Consider America’s Credit Union’s Credit Card if you want a card that can help you in building or repairing credit. If you’re looking to improve your credit, using America’s Credit Union Card with fixed Annual Percentage Rate (APR) can be a perfect strategy.

● Auto Loan

Consider America’s Credit Union Auto Loan when you need to buy a new car or repair an existing vehicle or you even want to pay for vehicle refinancing. Understand that the APR offers for this loan is actually very competitive.

● Home Equity

Consider America’s Credit Union’s Home Equity to borrow against the overall value of your home, minus the mortgage amount you still owe to fund the home of your dream.

● Personal Loans and Line of Credit

Use America’s Credit Union personal loans to meet urgent financial needs ranging from debt consolidation, medical expenses and to traveling.

Product Details

Checking Account

Open America’s Credit Union Checking account if you’re looking for a checking account which gives you reward and or cash-back without demanding a minimum balance to qualify for the rewards. Choose from the free Kashasha Cash Checking Account which requires no minimum balance to qualify for rewards and no payment of monthly service charge or the free Kashasha Cash-back Checking Account which requires no maintenance fee, no minimum balance to earn rewards or monthly service charge yet entitles you to 3% cash-back on debit card purchases.

To enjoy the rewards up to 4.75% APY on the Kashasha Cash Checking account,  have up to $25,000 in your checking account and meet other requirements.

Savings Account

Choose from the America’s Credit Union savings accounts which include the Regular Savings the three varieties of the Kasasa Saver** Account. Know that what refers to you as a member of the America’s Credit Union is to open any of the Savings Account which other names are Share Account or Share Savings Account.

To open any of the accounts, pay a minimum initial deposit of $25 to cover for your membership fee.

Understand that you get an APY of 0.05% on the Regular Savings accounts, while you only receive the payment of your dividends when it’s up to $500.

Understand that the APY for the varieties of Kasasa Saver** account ranges from 0.25% to APY of 1.75%,  you have to meet certain requirements or you earn the 0.01% APY. Know that to receive payment of dividends on a variety of Kasasa Saver** Account the amount must be between $0 to $75,000 while the other variety pays when the amount is more than $75,000.

Credit Cards

To subscribe to the credit card perfect for your needs, consider America’s Credit Union credit card. Enjoy quick and convenient access to your available credit limit with the use of America’s Credit Union credit card which gives you the opportunity to be versatile with the use.

Know that it also enjoys interest rates lower than most bank and department store cards, saving you money every month. Don’t worry about annual fee, cash advance balance transfer fee; set your automatic payments from an America’s Credit Union account.

Apply for either of America’s Credit Union’s credit card, Platinum card with the fixed APR of 9.99% and the available Credit lines of at least $5000 or Classic card of 12.99% fixed rates and available Credit lines of between $500-$4,999.

Personal Loans and Line of Credit

Choose the America’s Credit Union’s personal loans or line of credit to meet financial emergencies, cover medical bills that may arise, consolidate debt or traveling experience.

Get a Personal Loan from America’s Credit Union for debt consolidation to  transfer  a higher rate loan you are servicing somewhere else to a lower rate personal loan with America’s Credit Union to save funds while meeting your needs. Know also that getting these personal loans with America’s Credit Union reduces the number of bills you have to pay each month.

Know that the APR payable on the personal loan or personal line of credit is dependent on your membership, creditworthiness and importantly the length of repayment. For personal loan of 36 months, the APR of 10.99% is payable, 37 months to 48 months attracts 11.99% APR, 49 months to 60 months attracts 12.99% APR and the line of credit goes with the APR of 10.99%

Auto Loan

If you need money to buy a new car or you want to refinance an auto loan with a higher rate that you manage somewhere else, consider America’s Credit Union’s Auto loan. Know that this loan does not have prepayment penalties and give you up to 90 days  without payments and the repayment term can be up to 72 months.

Lower your monthly payment and save some money if you have a vehicle loan with another lender, by using the auto loan refinancing of America’s Credit Union’s Auto loan.

Understand that the APR payable on the America’s Credit Union’s Auto loan depends on the length of the term for repayment, your creditworthiness and of course whether you are a member of the union. For instance for auto loan of 24 months, you pay as low as 4.29%, 25 to 36 months is 4.79%, 37 months to 60 months has up to 4.94%, 61 to 72 months has up to 5.54% while 72 months to 84 months gives you APR up to 6.09%.

Home Equity Loan

To bring your dream to life through loans you get using the residue of your Home Equity, contact America’s Credit Union for Home Equity.

Understand that America’s Credit Union Home Equity allows you to do Mortgage consolidation such that you only worry about one single payment except the Mortgage is with ACU. Note that the available terms of the Home Equity Loan is between 5 years to 30 years and you don’t pay prepayment penalties for early payment.

Note however that America’s Credit Union’s Home Equity Loan does not reveal rates for the loan on the website you have to contact its representative.

Where This Product Stands Out

No Prepayment Penalties

When you take any form of loan from America’s Credit Union, don’t think about prepayment penalties for repaying your loan before the due date.

Fixed Interest Rates on Loans

Understand that most of the loan services of America’s Credit Union are for fixed rates unlike most lenders whose rates vary.

Know however that some of the packages have interest rates that vary according to your creditworthiness and length of the terms; check through the particular product you want to subscribe to be sure it does not require interest rates that vary.

Where This Product Falls Short

Higher Membership Fee

Don’t expect to join America’s Credit Union with $5 like most credit unions will do; prepare to have a minimum balance as high as $25.

How to Qualify for This Product

Know that each product has its own specific qualification requirements but common to all is the fact that you need to register as a member of the credit union to enjoy the rewards available in the credit union.

How to Apply for This Product

To have America’s Credit Union membership, have relatives living in Dallas, Collin or Rockwall County or live within those areas yourself, apply for membership and when you get approval then open an account. Include the following in your paperwork when applying for membership.

  • Recent bank statements
  • Financial statements
  • Recent personal tax returns
  • Address, social security number, SSN, etc.
  • Residency information
  • Date of birth
  • Full name, home address, telephone

(The final list of requirements may vary based on the product you seek.)

Alternatives to This Product

Consider Consumer Credit Union if you are looking for a credit union with a minimum balance for membership not more than $5; easy membership criteria and very good interest rates.

Know however that with Consumers Credit union you don’t have the option of a free reward checking account like America’s Credit Union.

Customer Reviews

Don’t expect top notch customer service from America’s Credit Union; the customer reviews reveal that the expectations of most customers are still in the balance.


We reviewed America’s Credit Union based on 20 data points in the categories of loan details, loan costs, eligibility and accessibility, customer experience and the application process. We rated America’s Credit Union based on the weighting assigned to each category:

  • Loan cost: 35%
  • Loan details: 25%
  • Customer experience: 20%
  • Eligibility and accessibility: 10%
  • Application process: 10%

Within each major category, we also considered several characteristics, including available loan amounts, repayment terms and applicable fees. We also looked at minimum credit score and time in business requirements and the geographic availability of the lender.

Finally, we evaluated America’s Credit Union, customer support tools, borrower perks and features that simplify the borrowing process—like online applications, prequalification options and mobile apps.

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