How Can We Help?

America's Credit Union welcomes members nationwide. Apply online in about ten minutes or stop by any branch. Once your membership savings account is open, checking, loans, and digital banking are all available the same day.

Branch hours vary by location. However, our online banking services are available 24/7, so you can manage your accounts anytime. To find the hours of your nearest branch, please visit our Locations page.

Visit the ACU online banking portal and click on "Forgot Password" on the login page. Follow the verification steps and you'll be able to create a new password. If you need additional assistance, contact our member services team.

You can order checks directly through your online banking account or by contacting our member services team. We offer various check styles and can typically process your order within 5-7 business days.

ACU's routing number is 325180634. You'll need this for setting up direct deposits, automatic payments, and wire transfers.

Provide your employer with ACU's routing number (325180634) and your account number. Alternatively, you can contact your HR department and provide them with your ACU account information directly.

First, look up your housing allowance. JBLM falls under the Tacoma, Washington Military Housing Area; run the official DoD BAH calculator with zip code 98433 and your rank. Rates updated January 1, 2026. Cost of living here runs above the national average, so knowing your number early keeps house hunting realistic.

Second, research neighborhoods and schools before your report date. Families who pick a town from the barracks in week one tend to move again a year later. The sections below give you a head start.

The Military and Family Support Center at 2140 Liggett Ave in Waller Hall (Lewis Main) handles relocation support, employment help for spouses, deployment readiness, and financial counseling. For financial readiness questions, call 253-967-1453. Armed Forces Community Service is at 253-967-7166.

For financial emergencies while traveling or after arrival, the American Red Cross military line is 877-272-7337, day or night.

Closest to the gates: DuPont and Steilacoom are quiet and walkable, minutes from Lewis Main. Steilacoom adds historic waterfront views.

Established and central: Lakewood and University Place offer the widest range of price points with quick I-5 access.

More house for the money: Spanaway, Graham, and Yelm usually stretch a budget furthest, traded against a longer drive. Lacey and Olympia to the south are residential with strong schools.

One honest note about commuting: it is mostly about I-5, and rush hour is real. Picking a town near the gate you will actually use matters more than the mileage number.

Four districts cover most JBLM families: Clover Park (on base and parts of Lakewood), Steilacoom Historical (Steilacoom, DuPont, and nearby Lakewood), North Thurston (Lacey), and Yelm Community Schools with Bethel School District covering Yelm, Spanaway, and Graham.

ACU has three branches inside the JBLM gates: Fort Lewis Main at 2201 N. 12th St., North Fort at 11574 A Street, and Madigan at 9035 Jackson Ave. Off base, you will find us in DuPont, Lakewood, Spanaway, Graham, Lacey, Yelm, and University Place, the same towns listed above.

Membership takes about ten minutes online, so your accounts can be open before your household goods arrive. Direct deposit needs our routing number, 325180634, and your account number.

Our deployment checklist covers powers of attorney, allotments, and account access before you leave. If you hold a loan opened before active duty, the Servicemembers Civil Relief Act can cap your interest rate at 6%. And if orders send you elsewhere, your ACU membership goes with you; see our relocation guide.