Our Story

Where Members are Owners

ACU is a not-for-profit credit union. Unlike traditional banks, we don’t issue stock or pay dividends to outside stockholders. Instead, we are owned and operated by our members — and all profits are returned to our membership. This allows us to offer lower loan rates, higher interest returns on deposits, fewer fees, and other benefits to our members. As a financial cooperative, ACU puts your interests first. We focus on helping small businesses thrive, supporting families, and strengthening communities. That’s the value of a credit union.

ACU membership is open to any individuals or businesses located in the Pacific Northwest. Apply for membership or contact us to learn more.

ACU History


ACU was founded in 1954 as the Fort Lewis Federal Credit Union. It was initially created to serve civilian federal employees and their families who worked at Fort Lewis (now Joint Base Lewis-McChord). Membership was later expanded to Military and eventually civilians in the region. Our original purpose, which still guides us, was to provide a valuable alternative to commercial banks by operating as a cooperative to the benefit of our members.

We are proud of our military heritage and celebrate the fact that veterans still make up a substantial amount of our membership — and we continue to operate according to core military values of dedication, service, and integrity. Today, civilians as well as active, retired, and reservist members of the armed forces across the Northwest are welcome to join ACU.


We provide customized financial solutions to our members through innovation and personal connections.


We aspire to be the economic growth engine of the South Puget Sound.

Our Partners

ACU partners with organizations dedicated to helping you in many aspects of your day to day life. From insurance to car reports to tax assistance, these companies can save you time and money!