|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Americas Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 24, 2026
Americas Credit Union's Personal Loan Rates are at 3.89%. MonitorBankRates evaluates the financial stability of Americas Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.51%. Rates were last updated on 04/24/2026. Americas Credit Union 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 Americas Credit Union? Share your experience about Americas Credit Union by leaving a review below, or read customer reviews before you decide to use Americas Credit Union. 
Americas Credit Union Auto Loan Rates
Americas Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Americas Credit Union 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 Americas Credit Union 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 Americas Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Americas Credit Union
Website
https://www.americascu.org
Address
2154 FOREST LN,
GARLAND, TX 75042
Phone
972-494-5328
Fax
972-494-0371
President
CHRIS ENGLISH
CEO
Bert Beal
Full-Time Employees
132
Part-Time Employees
2
Branch Locations
7
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.51%
Return on Assets (ROA)
0.3821%
Return on Equity (ROE)
2.6012%
Non-Performing Loans Ratio (NPL)
0.79%
Total Assets
418,134,591
Total Amount of Shares and Deposits
352,777,901
Total Shares and Deposits < 1 Year
347,515,363
Total Shares and Deposits 1 3 Years
4,353,302
Total Shares and Deposits > 3 Years
909,236
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
17,350,228
Total Uninsured Shares and Deposits > $250K (F+J)
17,350,228
Total Insured Shares and Deposits > $250K (item 17 less item K)
335,427,673
Total Interest Expense (Sum of items 6 8)
2,084,878
Share Certificates
1,203
Number of Accounts for Share Drafts
16,919
IRA KEOGH Accounts
770
Number of Accounts for Regular Shares
36,461
All other shares
540
Money Market Shares
228
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
60,675,242
Total Liabilities
356,687,784
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Americas Credit UnionIs Americas Credit Union a safe place to deposit money?Yes, Americas Credit Union is considered a safe financial institution. With a Texas Ratio of 3.5102851562149%, 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 Americas Credit Union operate?Americas Credit Union 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 Americas Credit Union?Yes, to access services at Americas Credit Union, 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, Americas Credit Union 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, Americas Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Americas Credit Union offer online and mobile banking?Most modern institutions like Americas Credit Union 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.americascu.org. Compare to Other Credit Unions
El Monte Community Credit Union
Corry Jamestown Credit Union
Mutual Savings Credit Union Hoover, AL
Newrizons Federal Credit Union
Ups Credit Union
Acme Continental Credit Union
First Area Federal Credit Union Lewistown, PA
University of Virginia Community Credit Union
WCU Credit Union
Connect Credit Union
Houston Highway Credit Union
Trinity UCC Federal Credit Union
Journey Federal Credit Union
Sisseton Wahpeton Federal Credit Union
Community South Credit Union
AmeriCU Credit Union
Service Station Dealers Federal Credit Union
Chicago Firemans Assoc Credit Union
Credit Union of Ohio Credit Union
Lincoln Park Community Credit Union
Bluegrass Community Federal Credit Union
|
||||||||||||||||||||||||||||||
