America's Credit Union
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America's Credit Union
The terms applicable to your Deposit Accounts at ACU are provided in a separate Truth-in-Savings Disclosure. Fees may reduce earnings. See Fee Schedule. The Annual Percentage Yield on Share Certificates assumes dividends will remain on deposit until maturity. A withdrawal will reduce earnings.

A penalty of up to 90 days of dividends may be imposed for early withdrawal on Share Certificates and Performance Saver Accounts and will affect earnings on the account.You must be an ACU member to qualify. Rates may change after account opening. Account receives identity theft coverage, cell phone repair coverage, 10 cents cash back for every debit card purchase over $5.00, and ATM fee reimbursement up to $10.00 per month.
Services
ACU is a not-for-profit credit union. Unlike traditional banks, we don't issue stock or pay dividends to outside stockholders. Instead, we are owned and operated by our members - and all profits are returned to our membership. This allows us to offer lower loan rates, higher interest returns on deposits, fewer fees, and other benefits to our members.
Whether you are saving, borrowing or looking for other services that will enhance your financial life, we have you covered. ACU offers a wide selection of products and services from the moment you join to help meet your goals. We refinanced our home about a year ago and received a great rate and it was the best loan processing experience we have ever had.
Mobile banking is a safe and convenient way to check account balances, confirm transactions, pay bills, transfer funds, deposit checks, and send and receive money via ACH. Connect anytime, anywhere using your mobile device. Online banking is convenient, secure, and easy to use. Complete banking tasks and access your checking and savings accounts on your schedule - all you need is an Internet connection.
ACU offers great designs for instant-issue debit cards, but if you really want to get creative, order a personalized card online today. Load up your favorite photo and share your style every time you swipe your card! Please note: if your new custom card is replacing a current ACU card, your expiration date and CVV code will change.
ACU offers programs to help kids learn valuable financial habits that can last a lifetime. Young adults between the ages of 13 and 17 can open a Teen Checking account when a qualified ACU member signs on as a joint account holder. The Tree Fort Club allows kids 12 years of age or younger to open their own savings account with a minimum initial deposit of just $1 and a qualified adult ACU member as a joint owner on the account.
Reviews (10)
Josh Punter
Josh Punter
Oct 27, 2021
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Best bank ever been a member for
6 years now. ACU has always taken great care of my family and I.
Wells Family Journey
Wells Family Journey
Aug 31, 2021
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Veronica at the Lacey Wa branch, helped me to make the jump and deposit my money into a market savings account to help with higher intrest rates, it only took me 2 months to decide.
Kayla Dickson
Kayla Dickson
Aug 18, 2021
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I was lucky enough to be helped by Charli. She has been so kind, helpful and very prompt in assisting me. She even helped me refinance my car in addition to my original request and will be saving me a whole percent in interest. Your establishment is lucky to have an employee like her!
Todd W. J.
Todd W. J.
May 05, 2021
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The best I have ever experienced at a banking facility, and Kelli, was very nice and helpful, she even remembered my name the next day, when I returned for more help, thank you
Angela Probst
Angela Probst
Mar 28, 2021
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ACU is amazing! We specifically work with Charli & Jasmine in the business banking dept. They make our lives so much easier by being super responsive and going above and beyond to meet our needs.
Annette Walton
Annette Walton
Mar 04, 2021
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Jessie,Stephenie,Melissa thank you for your outstanding customer service. All three of you show me care and compassion. Jessie thank you so much for your patience with my mom.
Stephenie when I came in to get paperwork notary you were so kind. Melissa when I came in another day to get something notary you also was very kind.
Thank you again.
Annette
Sandy Macon
Sandy Macon
Dec 17, 2020
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I lost my best friend my wife of 35 years back in March not covid related. My world was upside down. All my banking needs were going through the drive thru. Jessica and melissa was so amazing. They help me with all the paperwork and took time to explain it all. I do Thank your so much.
Michael Haderman
Michael Haderman
Nov 23, 2020
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The Management and staff are always friendly, knowledgeable and expeditious at getting my banking issues and deposits taken care of. I highly recommend using ACU Lacey for banking purposes. I give this branch the highest ratings as customer service is their number 1 priority.
Daniel
Daniel
Oct 28, 2020
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My experience dates back I think 5 years with this branch, As embarrassing as it is to admit no financial Institution would touch me due to how bad my credit/ Financial situation was until ACU.
Literally on every level they go above and beyond not just once but every time. ACU sets the standard for customer service in my opinion, I am grateful for not only this branch but ACU family in itself.
Now I find myself hitting less and less speed bumps, planning for my future, building a business.
I use to never think about retirement but now it has become yet another goal in my life.
I know this sounds
Nathan Todd
Nathan Todd
Jun 02, 2020
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Just want to send a big shout out to Stephanie at ACU in Lacey Washington branch, I've been trying to get my Harley refinanced recently with no luck a friend of mine suggested Acu, after talking with Stephanie she got my info on Saturday and by Tuesday she called and informed me that she was able to get me a lower interest rate on my bike, I went from 14.95 to 5.99 and she helped me with my credit card and took the time to explain everything to me. I could not be happier. Absolutely the best customer service I have ever experienced, if anyone is reading please if your looking for refinancing or