Bankers Who Know Your Business by Name
Our business services team brings decades of local commercial banking experience to your business. Real relationships, local decisions, and answers fast.
Meet the Business Services Team
Experienced commercial bankers dedicated to helping your business start, operate, and grow. Call us at 253-964-3113.
Patrick Horan
Patrick's banking career spans over 30 years. He started with Puget Sound Bank and over the years honed his skills in commercial lending including CRE term and construction as well as C&I. He is experienced in underwriting, presenting, and closing commercial loans. Patrick is excited to be part of ACU and its commitment to members and business services products.
Connect with Patrick on LinkedIn
Sean Agustin
Sean oversees credit union operations, sales, and marketing, bringing more than 19 years of experience across business development, lending, frontline service, management, and operations. His career began at a small community bank and later included eight years in the large-bank environment. Through operations, sales, and marketing he works to improve the end-to-end member experience while supporting business owners as they start, operate, and grow.
Connect with Sean on LinkedIn
Jason Lopez
Jason brings nearly 30 years of commercial banking experience to ACU. Relationship-focused and hands-on, he works directly with business owners to structure lending and cash management that fits how each business actually operates. He joined ACU in 2016 as a Business Banking Officer and Commercial Lender before becoming Vice President of Business Services in 2026. His background includes roles with Umpqua Bank, Bank of America, Edward Jones, and Wells Fargo, with experience in banking management and financial advising.
Connect with Jason on LinkedIn
Ryan Horan
Ryan brings 19 years of experience in commercial banking and lending, with expertise in commercial real estate (CRE), commercial and industrial (C&I), SBA, and small business lending. After beginning his career at a mid-sized bank, he joined a mid-sized credit union, where he advanced into leadership roles overseeing business development, underwriting, and portfolio management. Throughout his career, Ryan has led high-performing lending and credit teams, helping drive sustainable growth while maintaining a strong focus on sound risk management. He is committed to supporting responsible lending practices, prudent credit oversight, and the long-term financial success of ACU's members and the communities they serve.
Connect with Ryan on LinkedIn
Renee Martin
Renee brings more than 35 years of experience in commercial banking, with expertise in commercial lending, credit, portfolio management, and business development. Her career includes leadership roles at Kitsap Credit Union, Bank of the Pacific, Timberland Bank, and Wells Fargo. She joined America's Credit Union in 2020 and serves as AVP of Business Services, overseeing the commercial lending process while supporting policy development and mentoring her team. Renee is known for her steady leadership and commitment to helping local businesses thrive.
Connect with Renee on LinkedInOne Team, Every Business Need
From day-to-day accounts to major financing, the business services team connects you to the right products across ACU.
Business Accounts and Cards
Checking, savings, and business Visa cards built for how your business operates, with no monthly transaction fees and same-day deposit availability.
Explore AccountsBusiness Loans and SBA
Term loans, lines of credit, commercial real estate, construction, and SBA financing, underwritten and decided locally by bankers who know the market.
Explore LendingCash Management
ACH origination, remote deposit, bill pay, payroll, and more, all set up and supported by your dedicated business services contact.
Explore Cash ManagementA Banking Partner, Not a Call Center
Member-owned means your business works with real bankers who make decisions locally and stay with you as you grow.
Local Decision-Making
Credit and lending decisions are made right here by your ACU team, not routed to an out-of-state office.
Decades of Experience
Over 100 combined years of commercial banking experience in lending, credit, and cash management.
One Point of Contact
You get a named banker who knows your business, not a ticket number and a rotating queue of agents.
Full Business Toolkit
Accounts, cards, lending, SBA, and cash management under one roof, coordinated by one team.
Complimentary Consultations
Sit down with a banker to review accounts, lending, and cash management at no cost to ACU members.
Serving Since 1954
ACU has banked the military community and South Sound businesses for more than 70 years. Your business is not a new account to us.
How to Get Started
Connecting with the business services team is simple, and the first conversation is on us.
Reach Out
Call 253-964-3113 or send us your details. A local commercial banker will connect with you.
Tell Us About Your Business
We learn how your business operates and where it is headed so we can recommend the right fit.
Get a Tailored Plan
We match accounts, lending, and cash management to your goals, with decisions made locally.
Contact a Business Account Representative
Tell us a little about your business and a local commercial banker will reach out within one business day.
Tell Us About Your Business
Share a few details and a local commercial banker will reach out within one business day. Prefer to talk now? Call 253-964-3113.
Working With the Business Team
Answers to the questions business owners ask most often before reaching out.
Disclosures
Membership required. Loans subject to credit approval. America's Credit Union is a federally chartered credit union insured by the NCUA up to $250,000 per ownership category. NMLS #449181. Equal opportunity lender.
Let's Talk About Your Business
Reach the business services team directly. Consultations are complimentary for members, and decisions are made locally.