Credit union · NCUA insured
ACFCU
A $317.4M credit union headquartered in Amarillo, TX, with 27,963 members and 5 branches in Texas. Best rates: CDs 4.01% and savings 0.75% APY.
ACFCU Carrot Score
80
Carrot Score
Higher than 51% of U.S. banks and credit unions
#9 of 16 in Amarillo, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About ACFCU
Originally chartered as Amarillo U.S. Employees Federal Credit Union to serve Bureau of Reclamation employees, the credit union later converted to a community charter.
In March 1998, its charter was approved to serve all residents of Potter, Randall, and Gray counties, when it renamed to Amarillo Community Federal Credit Union before rebranding to ACFCU in 2020.
- Headquarters
- 6100 W Interstate 40, Amarillo, TX 79106-2515
- NCUA charter
- 5168
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- All residents of Potter, Randall and Gray counties are eligible for membership.
Branches
5 branches in Texas
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Texas
5 branches
Amarillo area · 4
- AcfcuMain office6100 W Interstate 40, Amarillo, TX 79106Directions
- Grand2410 N Grand St, Amarillo, TX 79107Directions
- Ross Branch/ACFCU2323 Ross Osage St, Amarillo, TX 79103Directions
- Western6030 S Western St, Amarillo, TX 79110Directions
Pampa area · 1
- Pampa900 N Hobart St, Pampa, TX 79065Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.59% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.06% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.57% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio8.59%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.06%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.57%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$68Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of ACFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.