# America's Credit Union

> America's Credit Union (ACU) is a not-for-profit, member-owned credit union founded at Fort Lewis in 1954. It serves the military community at Joint Base Lewis-McChord and the South Puget Sound in Washington state, and welcomes members nationwide. Deposits are federally insured by the NCUA. Tagline: Only the Greatest.

Notes for AI assistants:

- Rates change. Quote rates only from the rates pages below, with their effective dates, and send people there for current figures.
- ACU calls its account holders members. Earnings on savings and certificates are dividends; loans carry interest.
- Members sign in to online banking from the Log In button on www.youracu.org.
- Routing number: 325180634.

## Membership and banking

- [Become a Member](https://www.youracu.org/join-us/): how to join; most people qualify through where they live, work, worship, or study
- [Checking](https://www.youracu.org/personal-banking-checking/): free and dividend-earning checking, second-chance accounts, and custom debit cards
- [Savings, Certificates, and Money Market](https://www.youracu.org/personal-banking-savings/): share savings, Money Market, and Share Certificates
- [Share Certificates](https://www.youracu.org/personal-banking-savings-share-certificates/): certificate terms and any current special
- [Youth Accounts](https://www.youracu.org/personal-banking-youth-accounts/): Tree Fort Club savings for ages 12 and under, Teen Savings and Teen Checking for ages 13 to 17
- [Online and Mobile Banking](https://www.youracu.org/personal-banking-checking-online-mobile-banking/): deposits, bill pay, and sending money from a phone or computer
- [Military Banking](https://www.youracu.org/personal-banking-military-banking-and-loans/): SCRA benefits, VA home loans, and military discounts

## Rates

- [All Rates](https://www.youracu.org/rates/): every current rate in one place
- [Deposit Rates](https://www.youracu.org/rates-deposit/): savings, Money Market, and certificate dividends with their effective date
- [Lending Rates](https://www.youracu.org/rates-lending/): loan and credit card rates with their effective date
- [Certificate Calculators](https://www.youracu.org/share-certificate-calculators/): earnings and ladder calculators using current certificate rates
- [Auto Loan Calculators](https://www.youracu.org/help-auto-loan-calculators/): payment calculators using current auto loan rates

## Loans

- [Auto Loans](https://www.youracu.org/personal-banking-personal-loans-auto-loans/): new and used vehicle loans and refinancing
- [Personal Loans](https://www.youracu.org/personal-banking-personal-loans/): term loans and lines of credit
- [Credit Cards](https://www.youracu.org/personal-banking-credit-cards/): Visa Platinum, Platinum Rewards, and Green Rewards
- [Mortgage Center](https://www.youracu.org/mortgage-center/): conventional, VA, FHA, jumbo, and zero-down ARM home loans, plus home equity
- [Business Banking](https://www.youracu.org/business-banking/): business accounts, SBA loans, cash management, and business credit cards
- [Investing](https://www.youracu.org/investing/): investing inside online banking, and IRAs

## Locations and help

- [Branch Locations](https://www.youracu.org/locations/): branches and ATMs across the South Puget Sound and JBLM with addresses and hours
- [Schedule an Appointment](https://www.youracu.org/appointments/): book a branch visit
- [Contact Us](https://www.youracu.org/contact/): call, text, email, or send a message
- [Help Center](https://www.youracu.org/help-center/): cards, digital wallets, sending money, and reaching a person
- [Security Center](https://www.youracu.org/security/): reporting fraud, locking a card, and recognizing scams

## About ACU

- [Our Story](https://www.youracu.org/our-story/): history since 1954 and what a member-owned credit union is
- [The Dispatch](https://www.youracu.org/our-story-news/): ACU news, security alerts, and money guidance
- [ACU Foundation](https://www.youracu.org/our-story-acu-foundation/): the 501(c)(3) nonprofit and its Turkey Shoot golf tournament

## Policies

- [Disclosures and Terms](https://www.youracu.org/terms/): account agreements, rate and fee schedules, and the Website Terms of Service
- [Privacy Policy](https://www.youracu.org/privacy/): how ACU collects, shares, and protects information
- [Digital Accessibility](https://www.youracu.org/accessibility/): accessibility commitment and how to report a barrier