Americas Credit Union

In the heart of JBLM, America’s Credit Union, A at 2201 S 12th St stands as a trusted community partner dedicated to empowering your financial journey. Whether you’re looking for some of the best auto loans to drive away in your ideal vehicle or exploring competitive mortgage rates to buy or refinance your home, this branch offers personalized solutions tailored to your unique goals. Open Monday through Friday from 9:30 am to 5 pm, members enjoy convenient drive-thru banking and on-site ATM access for quick withdrawals, deposits, and balance checks.
Serving nearly 30,000 members with assets nearing $693 million, America’s Credit Union, A provides a full range of services including personal checking and savings accounts crafted for everyday convenience. Business owners can take advantage of merchant services and flexible business loans, while individuals benefit from credit cards with rewards as well as personal loans and debt consolidation options. Their seamless online and mobile banking platforms make managing your finances simple anytime, anywhere.
Visit America’s Credit Union, A in JBLM today to explore competitive auto financing or mortgage solutions designed just for you. Experience friendly local service—contact us for personalized guidance on your next financial step!

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
Owner Occupied Home Equity Programs
Home Equity Line of Credit
6.5 % - 8.5 %
Owner Occupied Home Equity Programs
Home Equity Fixed
7.25 % - 9.25 %
Non-Owner Occupied Home Equity Programs
Home Equity Line of Credit
7.5 % - 9 %
Non-Owner Occupied Home Equity Programs
Home Equity Fixed
8.25 % - 9 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
ADJUSTABLE
5/5 ARM-Pure Plus-100%LTV
6.24 %
6.272 %
5.0 Yrs
CONVENTIONAL
ADJUSTABLE
5/5 ARM-80% LTV
6.49 %
6.522 %
5.0 Yrs
JUMBO
ADJUSTABLE
Jumbo 5/5 ARM-80% LTV
5.99 %
6.1 %
5.0 Yrs
JUMBO
FIXED
Jumbo Fixed Rate - 80% LTV
6.75 %
6.864 %
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Personal installment loans
10.23 - 18 %
2.1 - 7 Yrs
$25,000
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
4.46 % - 13.21 %
3 Yrs
Auto
5.77 % - 13.77 %
3.1 Yrs - 4 Yrs
Auto
5.93 % - 13.93 %
4.1 Yrs - 5 Yrs
Auto
5.99 % - 12.14 %
5.1 Yrs - 6 Yrs
Auto
6.9 % - 8.65 %
6.1 Yrs - 7 Yrs
Auto
12.32 %
5 Yrs
Auto
13.85 %
5.1 Yrs - 6 Yrs
Motorcycle
8.05 % - 10.8 %
3 Yrs
Motorcycle
8.24 % - 10.99 %
3.1 Yrs - 4 Yrs
Motorcycle
8.74 % - 11.49 %
4.1 Yrs - 5 Yrs
Motorcycle
9.25 % - 10.75 %
5.1 Yrs - 6 Yrs
Motorcycle
10.3 %
6.1 Yrs - 7 Yrs
Recreational
8.9 % - 11.9 %
5 Yrs
Recreational
10.5 % - 13.5 %
5.1 Yrs - 7 Yrs
Recreational
12.1 % - 15.1 %
7.1 Yrs - 10 Yrs
Recreational
13.7 % - 16.7 %
10.1 Yrs - 12 Yrs
Recreational
15.3 % - 18 %
12.1 Yrs - 15 Yrs

Introduction

Welcome to America's Credit Union, A, your trusted financial partner located at 2201 S 12th St, JBLM, WA 98433. Since our establishment in 1954, we have proudly served our community with a commitment to excellence and member satisfaction. With over 29,000 members and assets totaling $692,896,551, we are dedicated to providing the financial services you need to achieve your goals. At America's Credit Union, we understand that each member has unique needs. Whether you are looking for personal banking solutions such as checking and savings accounts, auto loans, or mortgages, we have options tailored just for you. Our business banking services also offer comprehensive solutions for entrepreneurs seeking merchant services and business loans. While members can visit us at 2201 S 12th St, official correspondence should be sent to PO Box 33338, JBLM, WA 98433. We take pride in our community impact; with a total loan portfolio of 13,951 loans and leases and deposits exceeding $6,634,406, we ensure that your money is not only safe but working hard for you. Under the leadership of our CEO, Kenneth Leonard, and Board President, Kyle Lentz, our dedicated team of 154 employees is here to provide personalized service every day. You can reach us at 253-964-3113 during our lobby hours from 9:30 AM to 5:00 PM, Monday through Friday. Explore all that we have to offer by visiting our website at youracu.org. Join us today and discover how America's Credit Union can help you secure a brighter financial future!

Branch History & Mission

Embracing Innovation

In today's world, we understand that digital advancements play a significant role in how people manage their finances. That's why we offer online and mobile banking options, allowing you to check balances, transfer funds, or pay bills from anywhere at any time. We are committed to ensuring that our services are accessible for everyone including individuals with disabilities by adhering to ADA compliance standards.

Join Us

As we continue this journey of growth and service since our opening in 1954, we invite you to be part of America's Credit Union family. Experience firsthand the benefits of being a member-driven institution focused on your financial well-being. Whether you're looking for personal banking solutions or simply want to learn more about what we offer, don't hesitate to reach out at 253-964-3113 or visit us online at www.youracu.org. Together, let's build a brighter future!

Our Mission

At the heart of America's Credit Union is our mission: to provide exceptional financial services while making a positive impact in our community. We believe in empowering our members through education and financial literacy. Our goal is not just about providing loans or checking accounts; it's about building lasting relationships based on trust and understanding. We recognize the importance of community support and actively engage in outreach efforts. From partnering with local organizations to hosting educational workshops, we aim to uplift those around us. Our shared service center allows us to extend our reach even further by enabling members from partner credit unions to access essential services seamlessly.

Branch Location & Accessibility

Get in Touch!

Have questions or want to learn more? Don't hesitate to call us at 253-964-3113. We're here to help! While members can visit us at 2201 S 12th St, official correspondence should be sent to PO Box 33338, JBLM, WA 98433. Come visit us today we look forward to welcoming you!

Nearby Landmarks and Accessibility

Our branch is close to several key locations in JBLM, making it a breeze for you to stop by while running errands or enjoying local attractions. With ample parking available, accessing our facilities is hassle-free. We also prioritize accessibility for all our members, ensuring that features like ramps are in place for those who need them.

Operating Hours and Services

At America's Credit Union, A, we know your time is valuable. Our lobby hours run from 9:30 AM to 5:00 PM on weekdays, so you can easily fit banking into your busy schedule. Need quick service? Take advantage of our drive-thru banking option for deposits and withdrawals without leaving your vehicle. We offer a variety of services tailored to meet your financial needs from personal banking solutions like checking and savings accounts to auto loans and mortgages. Plus, if you're a member of another credit union, our shared service center allows you to conduct basic transactions here as well.

Member Eligibility

At America's Credit Union, A, we believe that becoming a member means joining a welcoming community that supports your financial journey. If you're looking to unlock a world of benefits, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in our local area. We strive to make our credit union accessible and inclusive, so whether you're new to banking or looking for better options, we're here for you. To learn more about the specific eligibility criteria and ensure you qualify for membership, feel free to visit our website at . Once you're ready to join us, opening an account is simple! Just head over to http://www.youracu.org/business-banking/business-loans/apply-online/ or give us a call at (253) 964-3113. Our friendly staff at 2201 S 12Th St Jblm Wa 98433 are eager to assist you in taking this important step towards financial empowerment!

Business Banking & Commercial Services

At America's Credit Union, A, we understand that running a business is more than just a job; it's a passion. That's why we offer tailored business banking and commercial services designed to fuel your ambitions. Whether you're looking to start a new venture or expand an existing one, our commercial loan options can help turn your dreams into reality. Imagine having the financial backing to invest in new equipment, hire additional staff, or even open a second location. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $133 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $170,833,297, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, our merchant services make managing transactions easy and efficient. Whether you need point-of-sale systems or payment processing solutions, we have tools that fit seamlessly into your daily operations. Located at 2201 S 12Th St Jblm Wa 98433, Jblm, WA, our team is here to provide personalized service and expert advice every step of the way. Contact us at (253) 964-3113 or visit us online to learn how we can support your business journey today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our ATM services are readily available for easy withdrawals and balance checks whenever you need them. Plus, if you're traveling or away from home, our shared branch transactions allow for deposits and withdrawals at partner credit unions.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options help make that dream a reality. We understand that buying a vehicle is a big decision, which is why we offer competitive rates and flexible terms. Whether you're purchasing new or used, our team is here to guide you through the process every step of the way.

Business Banking

For our entrepreneurial members, we offer comprehensive business banking solutions including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we provide resources and support to help you succeed.

Drive-Thru & Shared Service Center

We also offer basic drive-thru banking for quick deposits and withdrawals without leaving your car. And for those who prefer face-to-face interactions but are short on time, our shared service center allows members from partner credit unions to conduct simple transactions seamlessly. No matter what financial service you need, America's Credit Union, A is committed to making your experience enjoyable and straightforward. If you have questions or want to learn more about any of our offerings, don't hesitate to reach out! Call us at (253) 964-3113, visit us in person at 2201 S 12Th St Jblm Wa 98433, or explore more online at Main Office. Let us help you achieve your financial goals today!

Mortgage Loans & Refinancing

If home ownership is on your radar, check out our mortgage loans and refinancing options. We know how important it is to find the right loan for your unique situation. Our experienced staff will work closely with you to find the best solution that fits your budget. Picture yourself settling into your dream home while knowing you've secured an excellent rate through us.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services. With just a few taps on your smartphone, you can check balances, transfer money, pay bills, and even send money to friends using our person-to-person payment feature.

Personal Banking

Whether you're looking to open a checking or savings account, or need assistance with personal loans and debt consolidation, we've got you covered. Our personal banking services are designed with you in mind. Imagine having a checking account that not only fits your lifestyle but also offers great rewards through our credit cards. You can easily manage your accounts online or via our mobile app, ensuring that you have access to your funds anytime, anywhere.

Digital & Online Banking

Key Features for Your Convenience

Our digital services include e-statements, which means you can access your bank statements electronically no more waiting for the mail! We also provide person-to-person transfer options so you can send money to friends and family quickly and easily. If you're into mobile payments, you'll be pleased to know that we support this feature too, allowing you to make purchases with just a tap of your phone. For added security, while we do not currently offer electronic signature authorization, rest assured that all transactions through our platforms are protected with advanced security measures. We prioritize keeping your information safe so you can bank with peace of mind. Whether you're checking your balance from home or making quick payments while out shopping, our digital banking services at America's Credit Union, A are designed for ease of use. Experience the freedom of managing your finances wherever life takes you!

Financial Strength

At America's Credit Union, A, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial health is robust, allowing us to serve you with confidence. With a net worth of $70,882,781, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,052 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $135,642,185 in share certificates and $111,914,481 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $21,687,889, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our success is further evidenced by our $70,302,081 in undivided earnings, which we reinvest into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,296 in used auto loans and $538,320,915 in total loans and leases, our lending capacity supports members' financial goals across various sectors. We take pride in our operational efficiency as reflected in our $161,955. This enables us to continue offering competitive loan rates and solid financial products for our members. Our commitment to service is backed by a dedicated team of 151 full-time employees and 3 part-time employees who are always ready to assist you. Furthermore, we have net shares (funds available for lending and investments) totaling $231,634, along with a strong member base demonstrated by our total share accounts of 64,246. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, America's Credit Union, A is your trusted partner. Visit us at 2201 S 12Th St Jblm Wa 98433 or call (253) 964-3113 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $17,979,401 in used vehicle loans and $5,933,389 in new vehicle loans already helping members get on the road. We also provide refinancing options for existing auto loans to help you save even more.

Business Loans

For business owners, our outstanding commercial loans totaling $170,833,297 provide the capital needed to grow and expand your operations. Whether you need funds for equipment or working capital, our team is ready to assist you with financing solutions tailored for businesses. If you're interested in any of our loan products or want more information about eligibility and refinancing options available at our branch located at 2201 S 12Th St Jblm Wa 98433, please don't hesitate to reach out. You can call us at 253-964-3113 during our operating hours from Monday to Friday between 9:30 AM and 5 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At America's Credit Union, A, we strive to provide you with the best service and support as you navigate your financial journey.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $70,226,369, make buying or refinancing simple. We offer competitive rates and flexible terms to ensure that your journey toward homeownership is as smooth as possible.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $27,001,356 in loans helping members manage their finances effectively. Our credit cards come with rewards programs and no annual fees to fit your lifestyle.

Loan Aggregator

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Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This compliance guarantees that all offers are fair and transparent. By using verified data from legitimate financial institutions, LendMesh ensures users receive trustworthy information about available loan options.

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