Military Banking

Banking Built for the Military Community

ACU has served JBLM and the broader military community since 1954. Special rates, SCRA protections, worldwide digital access, and people who understand the military life.

Become a Member Learn More
Smiling daughter in her soldier father's arms with the American flag behind them
Why ACU

Built Around Military Life

More than 70 years of serving servicemembers means ACU understands what military families actually need from a financial institution.

Serving Since 1954

ACU was founded to serve the military community at JBLM. Over 70 years of understanding what military life requires.

SCRA Protections

Active-duty members may qualify for SCRA interest rate caps on pre-service loans. Contact ACU to apply.

30,000+ ATMs Nationwide

Access your money at more than 30,000 ATMs and 5,300 Shared Branch locations, wherever the military sends you.

JBLM Branch Access

Convenient branch locations on Joint Base Lewis-McChord and throughout Pierce and Thurston Counties.

Products

Military Banking and Loans

ACU offers the full range of accounts and loans, with rates and features designed for the military community.

Banking

Checking Accounts

24/7 access anywhere in the world via mobile and online banking. No monthly fee on Affinity Free Checking with qualifying activity.

Open an account

Savings Accounts

Open online and start earning dividends, whether you are at JBLM or deployed overseas.

Start saving

Credit Cards

Low rates, no annual fee, and security features to keep your money safe wherever you swipe.

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Loans

VA Home Loans

No down payment required. Competitive rates for eligible military members and veterans.

Explore VA loans

Auto Loans

0.50% APR off for active-duty military, veterans, and first responders. Terms from 36 to 84 months.

Get a rate

Personal Loans

Great for covering PCS expenses or any other need. Borrow from $500 to $25,000.

Apply now
Resources

Military Resources and Programs

ACU understands the demands of military service and offers resources to help members manage their finances through every transition.

Skip-a-Payment

When unexpected expenses make a payment difficult, ask about ACU's skip-a-payment option.

Military Unit Organization Accounts

Free organizational accounts for military units and FRG groups.

JBLM Family Resources

A directory of organizations providing financial assistance to military families.

Relocation Information

ACU helps members manage finances during PCS, deployment, or other relocations.

Deployment Checklist

A financial checklist to review before deployment so your accounts are in order.

Vehicle Shipping

ACU may authorize vehicle shipment to your new duty station when relocating.
Community

ACU Gives Back

Since 2006, America's Credit Union has donated more than $330,000 to military organizations supporting servicemembers and their families.

$120,500 Santa's Castle, JBLM
$90,000 Association of the United States Army (AUSA)
$40,000 United Service Organizations (USO)
$30,000 Lewis Community Spouses Club
$25,000 Madigan Foundation, JBLM
$25,000 Pierce Military Business Alliance

Total donated since 2006: $330,000+

Advantages

Why Military Families Choose ACU

01

Serving Since 1954

More than 70 years dedicated to the military community.

02

Forbes Best-In-State Credit Union

Named among the best credit unions in Washington state by Forbes three years running: 2024, 2025, and 2026.

03

Worldwide Digital Access

Mobile and online banking from anywhere in the world.

04

SCRA Rate Protections

Eligible active-duty members may cap pre-service loan rates.

05

VA Loan Expertise

Local underwriting for no-down-payment home purchases.

06

NCUA-Protected

Federally insured deposits up to $250,000.

Getting Started

How to Join ACU in Three Steps

Opening your account takes minutes. Here is what to expect.

1

Confirm Eligibility

Membership is open to active-duty military, veterans, and their relatives.

2

Open Your Account

Start with a share savings account online in minutes with a $25 membership pledge.

3

Access Your Benefits

Unlock checking, loans, SCRA protections, and military resources from day one.

Member Stories

What Our Members Say

★★★★★

"Better than a bank. Have always answered our questions and concerns quickly."

Tommy O., Retired U.S. ArmyMain Fort Lewis Branch

FAQ

Common Questions About Military Banking

Answers for service members, veterans, and their families.

Membership is open to anyone currently serving or who has served in the U.S. Armed Forces, and their relatives. ACU also welcomes members nationwide.
The Servicemembers Civil Relief Act (SCRA) may allow eligible active-duty members to cap the interest rate on pre-service loans at 6%. Contact ACU to apply.
ACU's mobile app and online banking provide 24/7 access to your accounts from anywhere in the world. You can also use 30,000+ ATMs and 5,300 Shared Branch locations nationwide.
Yes. ACU operates branch locations on Joint Base Lewis-McChord as well as locations throughout Pierce and Thurston Counties.
Active-duty military members, veterans, and first responders receive a 0.50% APR discount on ACU auto loans. Additional discounts may be stacked up to a maximum of 1.25% APR.
ACU offers VA loans with local underwriting and no down payment required. Visit the VA Loans page or contact ACU to speak with a mortgage team member.

ACU Has Had Your Back Since 1954

From your first account to your first home, ACU is built for the military community and open to members nationwide.

Become a Member Explore Military Resources

APR = Annual Percentage Rate. SCRA benefits are subject to eligibility requirements; contact ACU for details. Auto loan rate discounts subject to qualification. VA loan eligibility determined by the U.S. Department of Veterans Affairs. ACU membership with $25 membership pledge required. America's Credit Union NMLS 449181. Deposits insured by NCUA.