Americas Credit Union

In the vibrant community of Lacey, America's Credit Union, A at 8308 Quinault Dr NE is your friendly neighborhood partner for achieving financial success. Whether you're ready to secure some of the best auto loans to drive home your dream vehicle or looking into low mortgage rates for buying or refinancing your home, this branch offers personalized service tailored to your unique goals. Open Monday through Friday from 9:00 am to 5:30 pm and Saturdays from 10:00 am to 2:00 pm, members enjoy convenient drive-thru banking and on-site ATM access for quick deposits, withdrawals, and balance checks.
Serving nearly 30,000 members with assets close to $693 million, America's Credit Union, A provides a comprehensive range of financial solutions including personal checking and savings accounts designed for everyday convenience. Business owners can benefit from merchant services and flexible business loans, while individuals have access to credit cards loaded with rewards as well as personal loans and debt consolidation options. Robust online and mobile banking platforms make managing your money easy anytime, anywhere.
Visit America's Credit Union, A in Lacey today to explore competitive auto financing or mortgage options crafted just for you. Experience welcoming 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! Located at 8308 Quinault Dr Ne, Lacey, WA 98516, our branch has been proudly serving the community since 1954. With a strong commitment to helping our members achieve their financial goals, we have built a trusted reputation that stands the test of time. At America's Credit Union, we understand that your financial needs are unique. Whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, we've got you covered. Our total assets amount to an impressive $692,896,551, reflecting our stability and dedication to our members. Currently, we serve over 29,773 members who trust us with their financial well-being. While you can visit us at our Lacey branch for all your banking needs, official correspondence should be sent to our mailing address: PO Box 33338, Fort Lewis, WA 98433. Our team is here for you from Monday to Friday between 9 AM and 5:30 PM, and on Saturdays from 10 AM to 2 PM. You can reach us at 253-964-3113 for any inquiries or assistance. Under the leadership of CEO Kenneth Leonard and Board President Kyle Lentz, we strive to create a welcoming environment where every member feels valued. With a net worth of $70,882,781 and total deposits reaching $6,634,406, we are committed to providing secure and reliable financial services tailored just for you. Join us today at America's Credit Union! Visit our website at youracu.org or call us for more information about how we can help you navigate your financial journey. Your success is our mission!

Branch History & Mission

Welcome to America's Credit Union, A, located in the heart of Lacey, Washington. Since opening our doors in 1954, we have been dedicated to serving our community with integrity and a commitment to financial empowerment. Our branch at 8308 Quinault Dr NE, Lacey, WA 98516, has grown alongside the community it serves, reflecting our deep roots and commitment to making a positive impact in people's lives. Over the years, we have achieved significant milestones that speak to our growth and resilience. With a total membership of nearly 30,000 and assets exceeding $692 million, we have established ourselves as a trusted financial partner for individuals and families in Lacey and beyond. Our mission is clear: to provide accessible financial services while supporting the dreams and aspirations of our members. At America's Credit Union, A, we believe that banking should be about more than just transactions; it should be about building relationships. We strive to offer personalized services tailored to meet the diverse needs of our members. From checking and savings accounts to auto loans and mortgages, we are here to support your financial journey every step of the way. Our mission extends beyond financial services. We are committed to giving back to our community through various outreach programs and partnerships. By participating in local events and initiatives, we aim to uplift those around us and foster a sense of belonging among our members. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to PO Box 33338, Fort Lewis, WA 98433 if that is more convenient for you. In today's fast-paced world, we understand the importance of convenience. That's why we offer features like online banking, mobile payments, and ATM access all designed with your ease in mind. Our drive-thru service makes banking even more accessible for those on the go. We invite you to become part of our vibrant community at America's Credit Union, A. Join us today and experience firsthand how we can help you achieve your financial goals while being part of something larger a credit union that truly cares about its members and their success. For any inquiries or assistance, feel free to reach out at 253-964-3113. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to America's Credit Union, A, conveniently located at 8308 Quinault Dr NE in the heart of Lacey, Washington. This branch is not just a place for banking; it's a welcoming community hub where you can easily access the financial services you need. Situated near popular local landmarks, our location makes it simple for you to stop by while running errands or enjoying a day out. Our branch is designed with your convenience in mind. We offer ample parking and have made sure our facilities are accessible for everyone, including ADA-compliant ramps for easy entry. Whether you're visiting us for personal banking needs or to explore business solutions, we're here to help. You can rely on us during our operating hours from Monday to Friday, 9 AM to 5:30 PM, and on Saturdays from 10 AM to 2 PM. If you prefer banking from your vehicle, take advantage of our drive-thru service which offers deposits, withdrawals, and simple transactions with ease. While members can visit us at this address for all their banking needs, please note that official correspondence should be directed to PO Box 33338 in Fort Lewis if necessary. Our friendly team is always ready to assist you with services such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. Need assistance? Don't hesitate to call us at 253-964-3113. We look forward to welcoming you at America's Credit Union!

Member Eligibility

Becoming a member of America's Credit Union, A is like joining a family where your financial well-being is our top priority. If you're located in the Lacey area or have connections to our community, we warmly invite you to explore membership with us. Generally, eligibility is open to those who live, work, worship, or attend school in the region, creating an inclusive environment for everyone. Plus, when you join America's Credit Union, A, you gain access to a range of benefits designed to help you achieve your financial goals from personalized banking services to competitive loan options. Ready to take the next step? Opening an account is straightforward and can be done online through our website. If you have any questions or need assistance, don't hesitate to reach out at (253) 964-3113. For more detailed eligibility criteria, feel free to visit our resource page at . We're excited to welcome you into the America's Credit Union, A community!

Business Banking & Commercial Services

Merchant Services Made Easy

In today's fast-paced market, having reliable merchant services is crucial. Imagine being able to process payments seamlessly, manage transactions effortlessly, and focus more on serving your customers. Our merchant services help you do just that, allowing you to offer various payment options while keeping your cash flow steady. Visit us at 8308 Quinault Dr Ne Lacey Wa 98516 in Lacey, WA, or give us a call at (253) 964-3113 to explore how we can assist you in reaching your business goals!

Tailored Loan Options

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.

Comprehensive List Of Services

Always Here for You

Need assistance? Reach out to us at (253) 964-3113 during our operating hours: Monday through Friday from 9 AM to 5:30 PM, and Saturday from 10 AM to 2 PM. Our team is eager to help answer any questions you may have about our services or assist with account inquiries. In conclusion, whether you're looking for personal banking solutions or business support, America's Credit Union, A at Lacey Branch has got you covered. Explore all that we offer today and take control of your financial journey! Visit us online at https://www.youracu.org/ or stop by the branch; we look forward to serving you!

Business Banking Services

For our business members, we offer comprehensive Business Banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support you every step of the way.

Convenient Access

Understanding that convenience is key, we provide various ways for you to manage your banking needs easily. Use our ATM & Cash Withdrawal Services located conveniently at our branch or throughout the network for quick access to cash. If you prefer face-to-face interactions, take advantage of our Basic Drive-Thru Banking, where you can handle deposits and withdrawals without leaving your vehicle.

Personal Banking Services

Managing your money shouldn't be complicated. That's why we offer Personal Banking solutions that include checking and savings accounts designed for everyday use. Imagine having easy access to your funds anytime through our Online & Mobile Banking features. You can check balances, transfer funds, and pay bills from the comfort of your home or on-the-go. When it comes to bigger purchases, our Auto Loans & Vehicle Financing options make it simple to drive away in your dream car without breaking the bank. We also provide Mortgage Loans & Refinancing services to help you secure your ideal home or lower your current mortgage payments. If you find yourself needing extra funds for unexpected expenses, our Personal Loans & Debt Consolidation services can assist in streamlining your finances. Plus, don't forget about our Credit Cards with Rewards, which allow you to earn points for every purchase while enjoying competitive rates.

Digital & Online Banking

At America's Credit Union, A, we understand that convenience and security are essential in managing your finances. That's why we offer a robust suite of digital and online banking services designed to fit your busy lifestyle while keeping your personal information safe. With our online banking platform, accessible through https://www.youracu.org/, you can easily manage your accounts anytime, anywhere. Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills from the comfort of your home or on the go. Plus, with e-statements available, you can keep track of your transactions without the clutter of paper statements. For those who prefer using their mobile devices, our mobile application is here to help! You can enjoy all the benefits of online banking right at your fingertips. With features like person-to-person transfers, sending money to friends or family is quick and hassle-free. You can also make mobile payments effortlessly, simplifying everyday purchases. Security is a top priority for us at America's Credit Union, A. While we currently do not offer electronic signature authorization, our systems are designed to protect your sensitive information. We want you to feel confident when using our services. In summary, whether you're managing your accounts through our website or utilizing our mobile app, you'll find that accessing your finances has never been easier. Join us at America's Credit Union, A and experience the freedom of digital banking today!

Financial Strength

Commitment to Growth

With $70,302,081 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $1,296 in used auto loans and $538,320,915 in total loans and leases. Our operational efficiency is reflected in our $161,955, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 151 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings

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.

Solid Financial Health

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. This level of stability is crucial for fostering trust among our members.

Strong Community Presence

Total Share Accounts stand at 64,246, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $231,634, further emphasizing our ability to meet the diverse needs of our membership. 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 8308 Quinault Dr Ne Lacey Wa 98516 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. We have already issued over $17,979,401 in used vehicle loans and $5,933,389 in new vehicle loans, helping members get on the road with confidence. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team is here to guide you through the process.

Business Loans

For business owners looking to grow and expand their operations, we have outstanding commercial loans totaling $170,833,297. These loans can provide the capital needed for everything from startup costs to expansion projects. At America's Credit Union, A in Lacey, WA (8308 Quinault Dr Ne), we are committed to providing transparent and supportive lending options. You can reach us at (253) 964-3113 if you have any questions about our loan offerings or would like assistance with refinancing options that may be available to you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan products today and discover how we can help you achieve your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and accessible. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $70,226,369. If you're ready to take that step towards owning your home, let us assist you in navigating the loan process seamlessly.

Unsecured Credit Card Loans

We also provide 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 various benefits designed to meet your everyday spending needs while keeping your budget on track.

Loan Aggregator

Ensuring Accurate Loan Comparisons

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), ensuring fair and transparent offers. This commitment to quality means users can trust that the information they receive is accurate and up-to-date. LendMesh offers several key benefits that enhance user confidence: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users access current loan rates from multiple institutions, helping them make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness of LendMesh in delivering value to its users. If you're looking for reliable loan comparisons without the hassle, compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

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