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America's Credit Union, A

Overview
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America's Credit Union, A is a federal credit union based in Dupont, Washington. It has been opened since 1954, for 66 years.

With around $591,880,000 in assets, America's Credit Union, A is considered to be a very large credit union. It has 16 branches and 16 ATM locations.

About
Address P.O. Box 5060
Dupont, Washington 98327
Website http://www.youracu.org
Phone (253) 964-3113
Fax (253) 964-3672
CEO Kenneth Leonard
President of the Board William Crane
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
44,894 members
Membership type: Multiple common bond – primary military
Above average number of members
275:1
Credit union member to staff ratio
275 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$591,877,937
Total assets
Above average
16 branches
Compared with an average of 4 nationally and 6 in Washington
Above average number of branches
0.05%
Savings interest rate
Compared to 0.3% nationally
12.74%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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16 branches
Compared with an average of 4 nationally and 6 in Washington
Above average number of branches
America's Credit Union, A Branch Locations

America's Credit Union, A: Main Office
2201 S. 12th Street
JBLM, Washington 98433
ATM Available
America's Credit Union, A: Dupont
1495 Wilmington Drive Suite 1
Dupont, Washington 98327
ATM Available
America's Credit Union, A: Lacey Branch
8308 Quinault Drive NE
Lacey, Washington 98516
ATM Available
America's Credit Union, A: University Place
4323 Bridgeport Way W.
University Place, Washington 98466
ATM Available
America's Credit Union, A: Spanaway
17007 Pacific Avenue S.
Spanaway, Washington 98387
ATM Available
America's Credit Union, A: Lakewood
6310 Mount Tacoma Drive SW
Lakewood, Washington 98499
ATM Available
America's Credit Union, A: Puyallup Wal-Mart Instore
16502 Meridian E.
Puyallup, Washington 98375
ATM Available
America's Credit Union, A: South Tacoma
1917 S. 72nd Street
Tacoma, Wa
Tacoma, Washington 98408
ATM Available
America's Credit Union, A: North Proctor Branch
2602 North Proctor Street # 3
Tacoma, Washington 98407
ATM Available
America's Credit Union, A: Graham Branch
9921 224th Street E.
Graham, Washington 98338
ATM Available
America's Credit Union, A: Tacoma Wal-Mart Instore
1965 S. Union Avenue
Tacoma, Washington 98405
ATM Available
America's Credit Union, A: Madigan Branch
9035 Jackson Avenue
JBLM, Washington 98433
ATM Available
America's Credit Union, A: North Fort Lewis
11574 17th Avenue E.
JBLM, Washington 98433
ATM Available
America's Credit Union, A: Spanaway Wal-Mart Instore
Wal-Mart
20307 Mountain Highway E.
Spanaway, Washington 98387
ATM Available
Members
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44,894 members
Membership type: Multiple common bond – primary military
Above average number of members

With 44,894 members, the America's Credit Union, A is considered to be a very large credit union. It is among the largest of credit unions and is larger than 90% of credit unions.

Fees
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$138
Average fee per member
The average fee per member at the America's Credit Union, A is $138, which is very high compared to most credit unions. This rate is higher than 94% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the America's Credit Union, A. Some credit unions tend to charge more fees, while others charge less.

Staff
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275:1
Credit union member to staff ratio
275 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
164 staff members
FTE (full-time equivalent)
2% of employees are part-time
162 full-time, 3 part-time

America's Credit Union, A has 162 full-time staff members and 3 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 98% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. America's Credit Union, A has around 275 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets
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$591,877,937
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
9.0%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$18,379
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 89% of credit unions.

America's Credit Union, A holds a total of $467,300,000 in loans and leases, which is about $18,379 per member on average.

Savings interest rate
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0.05%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. America's Credit Union, A pays 0.05%.

Loan rates
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12.74%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
6.74%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.24%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.99%
New car loan rate
Compared to 4.0% nationally
6.37%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.25%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.75%
Other real estate loan rates
Compared to 0.9% nationally
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