Personal Banking

Banking That Works As Hard As You Do

Personal checking, savings, credit cards, and loans designed to help you reach your financial goals with rates that reward your loyalty.

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Aerial view of Mount Rainier
Checking
3.00%
Certificates
3.75%
Auto Loans
4.46%
Money Market
1.76%
Checking Accounts

Find Your Perfect Checking Account

High-yield checking with rates and features tailored to your lifestyle. No hidden fees, just honest banking.

Affinity Free Checking

Earn tiered APY based on your balance: 3.00% on balances up to $1,000, 0.75% from $1,000-$15,000, and 0.50% on balances $15,000+.

  • High interest on lower balances
  • No minimum deposit required
  • Free debit card with EMV chip
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Affinity Plus Checking

Earn 1.00% APY on balances up to $25,000. $7/month fee. Packed with premium perks and protections for everyday banking.

  • 10¢ cash back on debit purchases over $5
  • Cell phone insurance included
  • ATM surcharge reimbursement up to $10/mo
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Affinity Premier Checking

Tiered rates: 0.25% ($5K-$15K), 0.50% ($15K-$25K), and 0.75% ($25K-$35K). No monthly fee with premium features included.

  • Free box of checks annually
  • Identity theft coverage
  • Rewards structure to maximize earnings
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Savings Accounts

Grow Your Money With Confidence

NCUA-insured savings products that keep your money safe while earning competitive rates.

Regular Share Savings

Simple, straightforward savings account. Just $25 minimum to open and unlimited deposits. Your money is NCUA insured up to $250,000.

  • $25 minimum deposit to open
  • NCUA insured up to $250,000
  • Unlimited deposits & withdrawals
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Money Market Ultra

Earn 1.76% APY on balances of $2,500 or more. 0.10% APY for balances under $2,500. Low minimum, full fund access, and no monthly fee.

  • Competitive rates on $2,500+ deposits
  • Full access to your funds
  • NCUA insured savings account
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Share Certificates

Earn competitive rates higher than traditional savings accounts. Lock in your rate for your chosen term and watch your money grow.

  • Rates higher than savings accounts
  • Various term lengths available
  • NCUA insured protection
View Rates

Credit Cards Built for You

Choose from our selection of Visa credit cards with rewards, low rates, and protections that help you spend smarter.

  • EMV chip security on all cards
  • Verified by Visa fraud protection
  • Apple Pay compatible
  • 24/7 fraud monitoring
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Your Name
VISA

Our Visa Card Lineup

Visa Platinum

Low fixed interest rates with no balance transfer fees. Perfect for those looking for straightforward, affordable credit.

  • Low fixed APR
  • No balance transfer fees
  • Quick approval process
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Platinum Rewards

Earn rewards on every purchase. Build points faster with bonus categories and use them for travel, merchandise, or cash.

  • Earn points on all purchases
  • Bonus point categories
  • Multiple reward options
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Green Rewards Card

Earn rewards while supporting sustainable living. Extra points on eco-friendly purchases and green businesses.

  • Extra points on eco-friendly purchases
  • Support sustainable businesses
  • Make an environmental impact
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Personal Loans

Financing for Your Goals

Whether you're buying a vehicle, financing an adventure, or consolidating debt, our personal loans offer flexible terms and competitive rates.

  • Auto Loans: As low as 4.46% APR with flexible terms (36-84 months)
  • RV Loans: As low as 8.90% APR
  • Motorcycle Loans: As low as 8.05% APR
  • Special Discounts: 0.50% off for active duty military and first responders; 0.75% off with ACH autopay. Max 1.25% aggregate discount.
Apply for a Loan
4.46%
Auto Loans APR
8.90%
RV Loans APR
8.05%
Motorcycle APR
1.25%
Max Combined Discount
Digital Banking

Banking at Your Fingertips

Manage your money 24/7 with our secure online and mobile banking platforms.

Online & Mobile Banking

Check balances, transfer funds, pay bills, and manage your accounts from your phone, tablet, or computer.

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Mobile Deposit

Snap a photo and deposit checks instantly from your phone. Fast, secure, and convenient.

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Bill Pay

Pay your bills online safely and easily. Set up recurring payments and never miss a due date.

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Zelle

Send money to friends and family instantly using their email or phone number. Fast, secure, and free.

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Apple Pay

Add your ACU card to Apple Pay for fast, secure contactless payments on your Apple device.

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Card Controls

Turn your debit or credit card off and on, get alerts, and set limits in the ACU mobile app.

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Buy Now, Pay Later

Split purchases into manageable payments with ACU's flexible BNPL plans. No surprises, no hidden fees.

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Military Banking Advantages

Since 1954, America's Credit Union has proudly served the military community. We understand your unique financial needs and provide benefits to show our appreciation.

  • 0.50% rate discount for active duty, veterans, and first responders
  • SCRA benefits including interest rate reduction to 6% in certain circumstances
  • Deployment support with special account options and communication resources
  • JBLM resources and partnerships for military families in the Tacoma area
Learn More About Military Benefits
Daughter holding a small American flag hugging her soldier mother on homecoming day

Personal Banking Questions, Answered

What members ask most about banking with ACU. Deposit rates effective October 1, 2026, and loan rates effective February 1, 2026.

Open a Regular Share Savings account with a $25 deposit. Membership is open to people who live, work, worship, or attend school in the Pacific Northwest, members and employees of the Armed Forces and their relatives, members of the Association of the United States Army, and members of the Pacific Northwest Consumer Council.
Four options: Affinity Free with no monthly fee and up to 3.00% APY on balances up to $1,000 with qualifications, Affinity Plus with cash back and dividends, Affinity Premier with tiered dividends and no monthly fee, and Opportunity Checking for members rebuilding their banking history.
Yes. America’s Credit Union is a federally chartered credit union, and every deposit is insured by the NCUA up to $250,000 per share owner, per account category.
Yes. ACU has branches on Joint Base Lewis-McChord, offers a 0.50% APR auto loan discount for active-duty military, veterans, and first responders, and honors SCRA benefits on eligible pre-service loans.
Yes. ACU Online and Mobile Banking includes mobile deposit, bill pay, Zelle, card controls, and digital wallet support for Apple Pay, Google Pay, and Samsung Pay.
Auto, RV, and motorcycle loans, personal installment loans, Visa credit cards, mortgages and home equity loans, and student loans through Sallie Mae.

Ready to Make the Switch?

Join thousands of members who trust America's Credit Union for their personal banking needs.

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Explore Personal Banking

Affinity Free Checking→ Checking That Works As Hard As You Do→ Affinity Plus Checking→ Affinity Premier Checking→ Online & Mobile Banking→ A Card for Every Kind of Spender→ ACU Green Rewards Card→ ACU Platinum Visa Credit Cards→ ACU Platinum Rewards Visa Credit Cards→ Digital Wallet→ Investing→ Banking Built for the Military Community→ Notary Services→ Loans for Life's Plans→ Drive Home a Better Auto Loan→ Auto Concierge→ Make a Payment→ Save for What Matters→ Youth Accounts→ Earn More on Every Dollar→ Order Your Customized ACU Visa Debit or Credit Card!→ Send Money in Minutes with Zelle®→ IRA Share Certificates→ Start Saving for the Holidays NOW with a Christmas Club Account!→