Safe, Secure, Reliable.
Join ACU Today.
When you join America's Credit Union, you get competitive rates, lower fees, and personal service. But you also join something bigger: a family committed to your well-being.
Join in Three Simple Steps
Opening your ACU membership takes just minutes. Here's how it works.
Apply Online
Complete our simple membership application. You'll need a valid ID and your Social Security number.
Fund Your Account
Make your initial deposit of just $25 to activate your savings account and become a member-owner.
Start Banking
Set up online banking, order your debit card, and explore all the products and services ACU offers.
ACU's Banking Benefits
Innovative tools, competitive rates, and a community that has your back.
24/7 Online and Mobile Banking
Access your accounts anywhere in the world with our mobile app and online banking platform.
Special Rates That Save You Money
Competitive loan rates, high-yield savings, and fee-free accounts designed to keep more money in your pocket.
Dedicated Member Specialists
Our community of specialists is focused on members and their families. Real people, real help.
NCUA Federally Insured
Your deposits are insured up to $250,000 by the National Credit Union Administration.
Innovative Banking Tools
Digital wallet, Zelle, Buy Now Pay Later, EasyVest investing, and more, all in one place.
Military Resources and Programs
SCRA benefits, deployment checklists, PCS relocation support, and VA loan expertise since 1954.
We Offer More at ACU
Whether you're saving, borrowing, or looking for services that enhance your financial life, we have you covered.
Checking Accounts
Access your money anywhere with 24/7 mobile and online banking, online bill pay, and custom debit cards.
Learn moreSavings Accounts
Open an account online and start saving, whether you're here on JBLM or somewhere across the world.
Learn moreCredit Cards
Low rates, no fees, and security features to keep your money safe no matter where you swipe.
Learn moreYouth Accounts
Savings for kids and teens, plus Teen Checking from 13, to build strong money habits early.
Learn moreAuto Loans
Low rates and stress-free shopping with ACU Auto Concierge. New, used, and refinance options.
Learn moreHome Loans
Local underwriting and one point of contact from pre-approval to closing, with programs for first-time buyers.
Learn moreWorldwide Access, One App
Access all of your accounts in one place. Whether you're in-store, online, or in-app, digital banking makes managing your money more convenient.
- Mobile banking with 24/7 access from anywhere
- Online bill pay with one-time or recurring payments
- Digital wallet for fast, contactless purchases
- Zelle for instant money transfers
Membership Is Open to Just About Everyone
Anyone who lives, works, or worships in the Pacific Northwest can become a member. ACU started by serving the military community, and today our doors are open to all.
Learn About EligibilityReady to Become
a Member?
Opening an account takes just minutes. Join the ACU family and start banking with a credit union that puts you first.