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ACFCU Rates & Review April 2026

Item: ACFCU
Rating: 7644
Author: gKhT

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 5, 2026

ACFCU's Personal Loan Rates are at 13.45%. MonitorBankRates evaluates the financial stability of ACFCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.84%. Rates were last updated on 04/05/2026.

ACFCU money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at ACFCU? Share your experience about ACFCU by leaving a review below, or read customer reviews before you decide to use ACFCU.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.84%

Excellent Lower than avg

ACFCU
ACFCU

6100 W Interstate 40
Amarillo, TX 79106 2515

https://www.acfcu.org

ACFCU Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	6.49%
Details As Low As Last Updated 03/24/2026 Institution Ratings 5.0 Star Rating A+ Health Grade

ACFCU Personal Loan Rates

Product	Rate	APR	View More
Personal Loans	-	13.45%
Details As Low As Last Updated 03/24/2026 Institution Ratings 5.0 Star Rating A+ Health Grade

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for ACFCU is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather ACFCU rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with ACFCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name ACFCU

Website https://www.acfcu.org

Address 6100 W Interstate 40, Amarillo, TX 79106 2515

Phone 806-358-7561

Fax 806-358-6380

President Bob Miller

CEO Scott Rose

Full-Time Employees 92

Part-Time Employees 2

Branch Locations 5

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.84%

Return on Assets (ROA)

0.4418%

Return on Equity (ROE)

5.1124%

Non-Performing Loans Ratio (NPL)

0.75%

Total Assets

305,893,941

Total Amount of Shares and Deposits

285,351,603

Total Shares and Deposits < 1 Year

270,387,590

Total Shares and Deposits 1 3 Years

12,259,081

Total Shares and Deposits > 3 Years

2,704,932

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

22,926,780

Total Uninsured Shares and Deposits > $250K (F+J)

22,926,780

Total Insured Shares and Deposits > $250K (item 17 less item K)

262,424,823

Total Interest Expense (Sum of items 6 8)

4,374,889

Share Certificates

1,606

Number of Accounts for Share Drafts

11,492

IRA KEOGH Accounts

853

Number of Accounts for Regular Shares

28,703

Money Market Shares

232

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,816,810

Total Liabilities

280,845,084

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

gKhT

★★★★★

December 17, 2025

WYyP

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for ACFCU

Frequently Asked Questions About ACFCU

Is ACFCU a safe place to deposit money?

Yes, ACFCU is considered a safe financial institution. With a Texas Ratio of 5.8421318416539%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does ACFCU operate?

ACFCU currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join ACFCU?

Yes, to access services at ACFCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, ACFCU does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, ACFCU provides members with tools to manage their accounts and build a solid financial history.

Does ACFCU offer online and mobile banking?

Most modern institutions like ACFCU provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.acfcu.org.