Only the Greatest.
Member-owned banking rooted in the South Puget Sound, open to members nationwide. Competitive rates, fewer fees, and people who know your name.
Built for Members,
Not Shareholders
From free checking to home loans, credit cards to savings accounts. Every product we offer is designed to put value back in your pocket, not ours.
Savings
Grow your money with high-yield savings accounts, certificates, and money market options.
Checking
Free checking with rewards, mobile banking, bill pay, and no hidden fees.
Credit Cards
Platinum Rewards, Green Rewards, and low-rate cards with no annual fees.
Auto Loans
New, used, and refinance auto loans with competitive rates and flexible terms.
Home Loans
Purchase, refinance, VA loans, bridge loans, and home equity programs.
Personal Loans
Term loans, lines of credit, and debt consolidation to fit your needs.
Proudly Serving Those Who Serve
Born on Joint Base Lewis-McChord, ACU has been a trusted financial partner for military families for over 70 years. We understand the unique challenges of military life.
- SCRA benefits and deployment protection
- VA home loans with expert guidance
- PCS relocation support and skip-a-payment
- Unit and organization accounts
Your Financial Wellness Dashboard
Free with Affinity Free Checking: credit score monitoring, dark web alerts, and subscription management, built right into ACU Online and Mobile Banking.
Full DetailsBuy Now, Pay Later
A smarter way to manage everyday purchases. Split payments into easy installments, your way.
Explore BNPL
Built for Local Businesses
Business accounts, commercial loans, SBA lending, cash management, and merchant services. ACU's dedicated Business Services Team is ready to help your business thrive.
- Business checking and savings accounts
- SBA loans
- Remote deposit, ACH, payroll, and card processing
Invest Your Way
EasyVest lets you build your own stock list right inside ACU's mobile or online banking. EasyCoin gives you access to crypto. Simple, integrated, and on your terms.
- EasyVest: Build your own portfolio in-app
- EasyCoin: Cryptocurrency, simplified
- IRA and retirement certificates
Trusted by the Community
Real stories from real members. Since 1954, ACU has been putting people first.
“I want to say thanks for all the help from the Lakewood Branch of ACU given to my family since 1987 when we came from Japan. I was given the tools and information to make the most of the situation.”
“I love being a member of ACU. The member service at each branch is exceptionally people friendly. They offer more checking and savings options than traditional banks.”
“ACU made our home buying process smooth and stress-free. Their mortgage team went above and beyond, and we closed on time with zero surprises. Truly member-first banking.”
13 Locations Locally,
Banking Nationwide
Visit any of our 13 South Sound locations, or bank from anywhere with 30,000+ surcharge-free ATMs and 5,000+ shared branches nationwide through Velera's CO-OP network. Not in Washington? You can open an account online from anywhere in the U.S.
Ready to Join the
ACU Family?
Opening an account takes just minutes. Become part of a credit union that puts members first, always.