Schedule An Appointment Routing/Wire Transfer Blog Locations & ATMs Contact Us Search: Submit DEPOSITS LOANS SERVICES ABOUT ACU LOG IN Do You Kasasa? Free checking that earns 2.00%* cash back! Get cash back for everyday purchases made with your debit card! KASASA CASH BACK Prefer Higher APY? Kasasa Cash Checking earns 1.75% APY* on your account balance! LEARN MORE > What Can We Help You With Today? Checking Rewards Checking Savings As High As 0.10% APY Credit Cards Fixed-Rate 11.9% APR Auto Loans as low as 1.49% APR Personal Loans as low as 9.99% APR Home Equity Low Fixed-Rate Join ACU in 3 Easy Steps! Step 1 Check Eligibility You are eligible to become a member if you or any of your relatives reside or work in Dallas, Collin, or Rockwall County or if you or a relative work at any of our SEG companies. APPLY NOW > Step 2 Apply for Membership Apply for membership at America's Credit Union using our convenient online application. When you join you will also become part owner in our financial cooperative. APPLY NOW > Step 3 Open an Account Once your application is approved and your initial $25 deposit is received, you will become a member-owner and can begin opening accounts and applying for loans. APPLY NOW > JOIN TODAY Already a member? Click here to stop seeing this message. Popular with ACU Members 90-Day No Payment Auto Loans That's right! When you buy a new or used car, or refinance your auto loan with ACU, you'll have 90 days with NO payments! Fixed Low-Rate Credit Cards ACU members are benefiting from low fixed-rate cards that offer 1% cash back and no balance transfer fees! Financing Home Improvements [BLOG POST] Popular in our blog right now is the article "The Best Ways to Finance Home Improvements." Read it now. ACU Loan Rates Here are the most current rates available for all of our loan products. A Budget for Every Occasion [FREE EBOOK] Find everything you Need to Know About Managing Your Monthly Bills. Includes editable budget worksheets. Member Benefits & Perks Learn why membership at America's Credit Union is one of the most important financial choices you can make. What to Do When You’re the Victim of a Credit... Nearly half of cardholders (47%) reported that their personal... READ MORE > The Best Credit Card Rewards Available When people are looking for a credit card, there are a lot of... READ MORE > How to Build Credit with a Credit Card Securing a credit card and utilizing it each month can be a... READ MORE > Cash Back Rewards and More ACU's fixed-rate VISA® Credit Card as low as 11.9% APR! NO balance transfer fees NO cash advance fees NO annual fees Click Here to Learn More ALL DEPOSITS ALL LOANS ALL SERVICES ABOUT ACU Routing #311982435 Disclosures ACU Blog Contact Us Locations & ATMs Dallas, TX Garland, TX Lancaster, TX Mesquite, TX Springfield, MO ACU NMLS ID #562279 Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency Privacy Policy Site Map America’s Credit Union will NOT ask you to update your information through an e-mailed link or a cell phone text message. Should you receive an e-mail or text message allegedly from America’s Credit Union requesting such an update, please contact us immediately. The ACU website features a number of links to entities associated with ACU and/or the credit union industry. By accessing any of these links, you will be leaving the ACU site and entering a site hosted by another party. For your protection, we encourage you to read the privacy and security policies of the sites you enter, as these policies may be different from those of ACU. America's Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 972-494-5328 or 800-543-2811 so that we may promptly assist you and remedy any accessibility concerns. © America’s Credit Union 2021 All Rights Reserved.