Credit union · NCUA insured
America's Credit Union
A $422.5M credit union headquartered in Garland, TX, with 31,666 members and 7 branches in 2 states. Best rates: CDs 2.00% and savings 0.10% APY.
America's Credit Union Carrot Score
84
Carrot Score
Higher than 66% of U.S. banks and credit unions
#45 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About America's Credit Union
- Headquarters
- 2154 Forest Ln, Garland, TX 75042
- NCUA charter
- 67470
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of America's Credit Union are eligible for membership.
Family and household
- Everyone in the immediate household of an employee of America's Credit Union is eligible for membership.
Branches
7 branches in 2 states
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Texas
6 branches
- Corporate OfficeMain office2154 Forest Ln, Garland, TX 75042Directions
- Central4040 N Central Expy Ste 100, Dallas, TX 75204Directions
- Royal Branch10501 N Central Expy Ste 100, Dallas, TX 75231Directions
- White Rock Branch8818 Garland Rd, Dallas, TX 75218Directions
- South Fort Worth Branch1216 Everman Pkwy, Fort Worth, TX 76140Directions
- Motley Branch Office3001 Motley Dr Ste H, Mesquite, TX 75150Directions
Missouri
1 branch
- Spfd Branch Office2350 E Bennett St, Springfield, MO 65804Directions
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 | 15.01% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.59% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.02% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $77 | $76 | — |
- CapitalNet worth ratio15.01%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.59%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.02%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$77Peers’ 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 America's Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.