Credit unions are different from banks to begin with, and ACU is just a little bit different from most credit unions.

Unlike banks, ACU is a not-for-profit financial cooperative. We don’t issue stock or pay dividends to outside stockholders. Instead, our earnings are returned to our members in the form of lower loan rates, higher interest on deposits and lower fees. We have the interests of our members first and foremost.

In fact, the only people we’re accountable to is our members. As a member, you have the right to vote on our policies and Board of Directors. You have a say.

Founded to serve the families of Joint Base Lewis-McChord in 1954, ACU has strictly adhered to the values held by our membership. We’re hard-working, honest and, above all, fiercely loyal to our members.

Our men and women in uniform have faced unique challenges, and, as a result, we’ve had to be a little different in how we’ve worked with them. We look for different kinds of solutions in meeting your needs because, in the end, we want to see you succeed.

We invite you to experience the ACU difference for yourself!

ACU is member owned, operated and inspired. We have roots in the military and strive to retain our military values in our business.

We value integrity at ACU. Our offers and services are straightforward and honest. And our profits are returned to you through higher returns on deposits, lower lending rates and a wide range of access to your money.

We have your back at every stage of your financial journey.