Military Banking & Loans

ACU was recently recognized as one of the best financial institutions for the Military. You can count on us to protect your finances while you serve and protect us.

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Military Banking & Loans

We Know the Military

ACU has been meeting the needs of our military community for over sixty years. From the men and women serving at Joint Base Lewis-McChord to those across the country and the world, we are honored to support you as you defend our freedoms.

We were recently named one of the 6 best financial institutions in the country for military servicemen and women, and we’d love for you to join us. With branches conveniently located throughout Pierce and Thurston Counties, and more than 30,000 ATMs and 5,300 Shared Branch locations nationwide, we’ll meet you where the military sends you.

ACU Membership is open to anyone who is currently serving or has served in our Nation’s Armed Forces, and their relatives.

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ACU’s Military Banking Benefits

  • Convenient locations on Joint Base Lewis-McChord
  • 24/7 online and mobile access anywhere in the world
  • Special rates that save you money
  • Our dedication to military members and their families
  • Military resources and programs


ACU Military Banking


Checking Accounts

Access your money anywhere the military sends you with an ACU checking account. Stay connected 24/7 with mobile and online banking, and online bill pay.

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Savings Accounts

Open an account online and start saving, no matter whether you’re right here on JBLM or somewhere across the world.

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Credit Cards

With low rates, no fees, and security features to keep your money safe no matter where you swipe, ACU credit cards make the best travel companions.


ACU Military Loans

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VA Home Loans

With exceptionally low interest rates and no down payment, ACU’s VA Loan is an affordable way for military members to buy a home.

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Personal Loans

Great for covering moving or other expenses due to PCS, with low interest rates and flexible terms.

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Auto Loans

Finance your next automobile with America’s CU and enjoy low rates and stress-free shopping with our ACU Auto Concierge.


Digital Banking for Worldwide Access

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 with fewer clicks and hassles.

Mobile Banking

24/7 access to your money wherever you are. Whether at home or on deployment, we’ve got you covered.

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Online Bill Pay

Set up one-time or recurring payments online or in-app and reduce PCS and deployment stress.

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Digital Wallet

Leave your old wallet at home and use your preferred e-payment brand to make fast, safe, contactless purchases.

Learn more


Download the ACU Mobile App

The ACU Mobile App is designed with the user in mind. Enjoy easy access to your financial life all on your mobile device. Click below to download the app on either Apple or Android.


To read how ACU was honored as one of the “Best Military Banks and Credit Unions of 2022,” click here.
“America’s Credit Union offers the best checking account of any military bank or credit union on our list.” – The Penny Hoarder
“No other military credit union offers a better range of checking account options for all types of customers (or more competitive rates) than America’s Credit Union.” – Magnify Money


ACU Gives Back

Since 2006, America’s Credit Union has given back to military organizations in the following ways:

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


Military Resources and Programs

We understand the unique demand the military places on its servicemen and women, and we’re here to support you in any way we can. Check out a few of our many resources below. If you don’t find what you need here, reach out and let us know how we can help. 

Skip A Loan Payment Options

When unexpected expenses make it hard to meet a loan payment, check out our Skip A Payment option.

Military Unit Organization Accounts

ACU is proud to offer free organizational accounts to military units and FRG groups.

JBLM Family Resources From ACU

Looking for a list of organizations available to provide financial assistance? We can help.


Relocation Information

We are here to help when you are relocating due to PCS, deployment, or other reasons.

Deployment Checklist

When deployed, you deserve peace of mind knowing that your financial life is in order.

Ship Your Car

Unlike most financial institutions, ACU may authorize shipment of your vehicle to your new destination when relocating.



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

-Tommy O., Retired U.S. Army

*APR = Annual Percentage Rate. 

Rates and fees are based on occupancy status, LTV, credit and are subject to change at any time. Please contact the Mortgage Department with any questions.
Loans are subject to credit approval. Membership share is required with a minimum $25 deposit at account opening.


What Our Members Have to Say


"Very kind, responsive, sincere and professional customer services by ACU associates.”

-Josh, U.S. Navy
A soldier shaking hands with a friendly staff member.