Credit union · NCUA insured
America's Credit Union
Top CarrotA $698.7M credit union headquartered in DuPont, WA, with 28,861 members and 12 branches in Washington. Best rates: CDs 3.75% and savings 1.76% APY.
America's Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 90% of U.S. banks and credit unions
#4 of 62 in Seattle, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About America's Credit Union
Founded in 1954 as Fort Lewis Federal Credit Union and based in DuPont, Washington, America's Credit Union is a member-owned financial cooperative.
Originally created to serve civilian federal employees and their families at Fort Lewis, it focuses on supporting families, strengthening communities, and helping small businesses thrive.
- Headquarters
- 1495 Wilmington Dr Ste 1, DuPont, WA 98327-8807
- NCUA charter
- 9373
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This may be incomplete or out of date, so check with the credit union before you apply.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
- ACU membership is open to any individuals or businesses located in the Pacific Northwest.
- Anyone who lives, works, or worships in the Pacific Northwest can be a member.
Military, government and schools
- Active, retired, and reservist members of the armed forces across the Northwest are welcome to join ACU.
Branches
12 branches in Washington
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Washington
12 branches
Seattle area · 8
- DupontMain office1495 Wilmington Dr Ste 1, DuPont, WA 98327Directions
- Graham Branch9921 224th St E, Graham, WA 98338Directions
- Madigan Branch9035 Jackson Ave, Jblm, WA 98433Directions
- Main Office2201 S 12th St, Jblm, WA 98433Directions
- Lakewood6310 Mount Tacoma Dr SW, Lakewood, WA 98499Directions
- Spanaway17007 Pacific Ave S, Spanaway, WA 98387Directions
- South Tacoma1917 S 72nd St, Tacoma, WA, Tacoma, WA 98408Directions
- University Place4323 Bridgeport Way W, University Place, WA 98466Directions
Olympia area · 4
- Lacey Branch8308 Quinault DR NE, Lacey, WA 98516Directions
- Tumwater4212 Capitol Blvd SE, Tumwater, WA 98501Directions
- Yelm Branch415 Yelm Ave E, Yelm, WA 98597Directions
- Yelm Wal-Mart Instore17100 State Route 507 Se, Yelm, WA 98597Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.03% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.32% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.57% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $99 | $76 | — |
- CapitalNet worth ratio11.03%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.32%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.57%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$99Peers’ 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.