Americas Credit Union

Nestled in the heart of University Place, America's Credit Union, A at 4323 Bridgeport Way W is more than just a branch—it’s a community hub where your financial goals take center stage. Whether you're seeking some of the best auto loans to drive off in your dream vehicle or exploring low mortgage rates to make homeownership a reality, this location offers tailored solutions designed with you in mind. Open Monday through Friday from 9 AM to 5:30 PM, members benefit from convenient drive-thru banking and an on-site ATM for quick cash withdrawals, deposits, and balance checks.
Serving nearly 30,000 members with assets nearing $693 million, America’s Credit Union, A provides a comprehensive suite of services including personal checking and savings accounts crafted for everyday convenience. Business owners can also tap into merchant services and flexible business loans, while individuals enjoy credit cards loaded with rewards and personal loans aimed at debt consolidation. With robust online and mobile banking platforms, managing your finances anytime, anywhere has never been easier.
Visit America’s Credit Union, A in University Place today to explore competitive auto financing or mortgage options designed just for you. Experience 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 4323 Bridgeport Way W, University Place, WA 98466. Since our establishment in 1954, we've been dedicated to supporting our community and enriching the lives of our 29,773 members. With a solid foundation and a commitment to service, we are proud to manage $692,896,551 in total assets and provide personalized banking solutions that cater to your unique needs. At America's Credit Union, we understand that financial success is about more than just numbers; it's about building relationships. Under the leadership of our CEO Kenneth Leonard and Board President Kyle Lentz, our team of 154 employees works diligently to create an environment where trust and reliability thrive. Whether you're looking for personal banking services like checking and savings accounts or need assistance with auto loans, mortgages, or business financing, we have you covered. While members can visit us at our branch location, official correspondence should be sent to PO BOX 33338, Fort Lewis, WA 98433. We invite you to explore the range of services we offer including online and mobile banking options for your convenience. With total deposits exceeding $6,634,406 and a net worth of $70,882,781, we stand ready to assist you with all your financial needs. Join us today at America's Credit Union where community matters! Feel free to call us at 253-964-3113 or visit our website at www.youracu.org to learn more about how we can help you achieve your financial goals.

Branch History & Mission

America's Credit Union, A has been a cornerstone of the University Place community since it opened its doors in 1954. With a mission to provide accessible financial services while supporting local growth, we have evolved significantly over the years. Located at 4323 Bridgeport Way W, our branch is easily reachable for all your banking needs. If you need to send us official correspondence, please use our mailing address: PO BOX 33338, Fort Lewis, WA 98433. From our humble beginnings, we have grown to serve nearly 30,000 members and manage total assets of approximately $692 million. Our journey has been marked by commitment and dedication to our members' financial well-being. Over the decades, we have expanded our services to include personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. At America's Credit Union, A, we are not just about numbers; our mission is deeply rooted in community support. We believe that when our members thrive, so does the community as a whole. That's why we actively engage in outreach initiatives that benefit local organizations and programs aimed at improving lives in University Place and beyond. We understand the importance of convenience in today's fast-paced world. That's why we've embraced technology through online and mobile banking platforms that allow members to manage their accounts anytime, anywhere. Our branch features an ATM for easy access to cash and drive-thru banking for quick transactions without leaving your vehicle. As a proud member of the community, we remain dedicated to transparency and accessibility. We're ADA compliant and strive to ensure that all members feel welcome and valued at our branch. Join us at America's Credit Union, A and experience firsthand the benefits of being part of a cooperative where your financial health matters. We invite you to visit us during our operating hours from Monday to Friday between 9 AM and 5:30 PM or give us a call at 253-964-3113 for any inquiries. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to America's Credit Union, A, located conveniently at 4323 Bridgeport Way W in University Place, WA. This branch is nestled in a vibrant community, making it easy for you to access our services while enjoying the local atmosphere. If you're looking for us, we're right near the heart of University Place, close to local shops and parks that many residents frequent. For any official correspondence, please note that our mailing address is PO BOX 33338, Fort Lewis, WA 98433. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and ample parking to ensure a smooth visit for all members. Our friendly team is here to serve you Monday through Friday from 9 AM to 5:30 PM. Whether you need help with personal banking, auto loans, or credit cards with rewards, we have the resources to meet your financial needs. Plus, for your convenience, we offer drive-thru banking services where you can handle deposits and withdrawals without leaving your vehicle. If you're in need of cash or just want to check your balance, we also have an ATM available on-site. At America's Credit Union, A, we strive to make banking simple and accessible so you can focus on what truly matters. We invite you to stop by our branch or give us a call at 253-964-3113 today! Let us help you achieve your financial goals in a friendly and welcoming environment.

Member Eligibility

At America's Credit Union, A, we believe in creating a warm and welcoming community where everyone can thrive together. Becoming a member is easy! If you're living, working, or attending school in our service area, you're likely eligible to join us. We embrace a diverse range of individuals and families, so whether you're just starting out or looking to enhance your financial journey, there's a place for you here. To learn more about the specific eligibility requirements, feel free to check out our detailed criteria at . Joining America's Credit Union, A means you'll gain access to a variety of benefits tailored just for you. From competitive loan rates to personalized service, our focus is on supporting your financial goals every step of the way. If you're ready to take the next step toward membership, opening an account is simple! You can start the process online by visiting http://www.youracu.org/business-banking/business-loans/apply-online/ or give us a call at (253) 964-3113. We can't wait to welcome you into our family at America's Credit Union, A, located at 4323 Bridgeport Way W University Place Wa 98466!

Business Banking & Commercial Services

Business 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.

Merchant Services

Imagine having the tools you need to accept payments easily, manage cash flow, and streamline operations. Our merchant services provide just that. By using our point-of-sale systems, you can process transactions quickly and securely, freeing up more time to focus on what matters most growing your business. Located conveniently at 4323 Bridgeport Way W University Place Wa 98466 in University Place, WA, we invite you to explore how our tailored financial solutions can empower your business today. Reach out at (253) 964-3113 to learn more about how we can help you achieve your goals!

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, you'll find valuable tools at America's Credit Union, A. Our business banking services, including merchant services and business loans, are designed to support your growth and success.

Credit Cards with Rewards

To make everyday purchases more rewarding, consider our credit cards with rewards. Enjoy benefits that enhance your spending power while earning points for things you love.

Digital Banking Convenience

With today's busy lifestyles, having access to banking anytime is crucial. Our online and mobile banking platforms allow you to manage your accounts on-the-go. From checking balances to making transfers, everything is just a few taps away. Plus, our ATM services ensure that cash withdrawals are quick and easy wherever you are.

Drive-Thru & Basic Services

For those who prefer face-to-face interactions but want quick service, our basic drive-thru banking offers deposits, withdrawals, and simple transactions right from your car. And if you need basic ATM access for withdrawals or balance checks, we have that covered too. At America's Credit Union, A, we pride ourselves on being more than just a bank; we are part of the community in University Place, WA. We invite you to visit us or call us at (253) 964-3113 during our lobby hours from Monday through Friday, 9 AM - 5:30 PM. Let us help you navigate all your financial needs today! Explore all these services and more by visiting us online at University Place. Your journey towards better financial health starts here!

Home Financing

Dreaming of homeownership? Our mortgage loans and refinancing options can help turn that dream into reality. We offer competitive rates and flexible terms that fit your budget. Plus, if you're already a homeowner looking to lower your payments, we're here to guide you through the refinancing process.

Loans for Every Need

Life is full of surprises, and sometimes you need extra cash on hand. That's where our personal loans and debt consolidation services come into play. Whether it's for unexpected expenses or consolidating existing debt, we've got options tailored just for you.

Personal Banking

Whether you're opening your first checking account or looking to save for a big purchase, our personal banking services have you covered. With options like checking and savings accounts, you can choose what suits your lifestyle best. If you're thinking about buying a new car, our auto loans and vehicle financing make it easy to get behind the wheel without breaking the bank.

Digital & Online Banking

Key Features of Our Online Banking Services

With our 24/7 Online Banking Services, you have the freedom to check balances, pay bills, and transfer funds whenever it suits you. We prioritize your security with features like multi-factor authentication, so you can feel confident that your information is safe. Our mobile application makes banking even easier. You can manage your accounts directly from your smartphone, making it a breeze to handle transactions while you're out and about. Plus, if you want to make payments quickly, our mobile payments feature allows for effortless transactions with just a tap. Need to send money to friends or family? Our person-to-person transfers service lets you send money instantly without any hassle. And for those who prefer going paperless, we offer e-statements so you can view your account statements online anytime no more waiting for the mail! While we don't currently support electronic signature authorization, our other features ensure that managing your finances is straightforward and user-friendly. With all these tools at your disposal, staying on top of your financial goals has never been easier. Visit us today at https://www.youracu.org/ and experience how America's Credit Union, A is committed to making banking simple and accessible for everyone!

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 serve the community of University Place, WA, from our location at 4323 Bridgeport Way W University Place Wa 98466. Our commitment to you is reinforced by our solid financial foundation, ensuring that your savings and investments are in safe hands. 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. This strength is further highlighted by our net worth ratio of $1,052, which demonstrates a solid capital foundation. It ensures 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 ability to reinvest in our services is reflected in our $70,302,081 in undivided earnings. This allows us to enhance innovative banking tools, strengthen lending options, and improve security measures for your benefit. With $1,296 in used auto loans and $538,320,915 in total loans and leases, we support members' financial goals across various sectors. Our operational efficiency is evident with a net income of $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. In addition to these strong indicators of financial stability, we have net shares available for lending and investments amounting to $231,634. The trust placed in us by our growing member base is shown through 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 4323 Bridgeport Way W University Place Wa 98466 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

Additional Services

In addition to these loan offerings, we provide refinancing options and personalized eligibility assessments to ensure you find the best fit for your financial situation. Our team is committed to making the borrowing process as straightforward as possible. For more information about our loan offerings and services or to apply online, please visit our website at America's Credit Union or contact us directly at 253-964-3113. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Your financial journey starts here; let's build it together!

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. Whether you're eyeing a brand-new model or a reliable used vehicle, we've got financing solutions tailored for you.

Business Financing

For business owners looking for growth opportunities, our outstanding commercial loans totaling $170,833,297 provide the capital needed to expand your business. Whether it's for equipment purchases or working capital, our team is here to support your entrepreneurial journey.

Credit Card Options

We also offer flexible terms on unsecured credit card loans. With a total of $27,001,356 in unsecured credit card loans helping members manage their finances effectively, you can enjoy the convenience and purchasing power of having a credit card that fits your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $70,226,369. With competitive interest rates and flexible terms, we can help you navigate the path to owning your own home.

Loan Aggregator

Call to Action

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