--- title: "ACFCU Credit Union Rates (Nov 2026): HELOC 6.49%" description: "ACFCU Credit Union rates today: HELOC from 6.49% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join ACFCU Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/acfcu" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # ACFCU Credit Union Rates (Nov 2026): HELOC 6.49% ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Vehicles** auto_any_72mo | — APR | 5.240% | 72 mo · any | Standard | | **New & Used Vehicles** auto_any_84mo | — APR | 6.240% | 84 mo · any | Standard | | **New & Used Boats, RVs, Motorcycles** boat_any_72mo | — APR | 7.240% | 72 mo · any | Standard | | **New Auto Loan** auto_new | — APR | 8.240% | new | Standard | | **New & Used Boats, RVs, Motorcycles** boat_any_84mo | — APR | 8.240% | 84 mo · any | Standard | | **New Boats, RVs, Motorcycles** boat_new | — APR | 10.240% | new | Standard | ACFCU Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | 6.490% APR | 6.490% | — | Standard | ACFCU Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 13.450% | 60 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 13.700% | — | Standard | ACFCU Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 12 offers | Product | Published | Rate | Term / condition | Status | | **Business Checking ($200 & up)** checking | — APY | 0.15% | — | Eligibility restricted | | **Elite Checking ($500 & up)** checking | — APY | 0.25% | — | Standard | | **All Shares ($50 & up) - $5 minimum to open** savings | — APY | 0.35% | — | Standard | | **> $2,500** savings | — APY | 0.75% | — | Standard | | **24-Month Certificate** cd_24mo | — APY | 2.22% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 2.27% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 2.32% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 2.37% | 60 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 2.86% | 12 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.20% | 6 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.72% | 18 mo | Standard | | **8-Month Certificate** cd_8mo | — APY | 3.78% | 8 mo | Standard | ACFCU Credit Union savings & cd rates as of November 13, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Gold Star Loan** other | — % | 14.200% | — | Standard | ACFCU Credit Union other rates as of November 13, 2026 HELOC rates from 6.49% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/acfcu) , verified from [ACFCU Credit Union's official website](https://www.acfcu.org/) Best product position **Room to improve vs. the Texas median** HELOC Gap to state best **124 bp** 124 bp from state best Vs. state median **24 bp behind median** HELOC Products ranked **1** across tracked Texas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 6.49% | Room to improve vs. the Texas median | 124 bp from state best | 24 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim ACFCU Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=acfcu&state=texas&code=TX&name=ACFCU%20Credit%20Union) Loading branch locator… ## About ACFCU Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 28K Assets $317.4M Founded 1945 Locations reported 5 NCUA charter 5168 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Education** AmTech · Amarillo · TX · 79102-1004 About 0.8 miles away](https://rateapi.dev/credit-unions/texas/education) [**Access Community** Access Mortgage Center · Amarillo · TX · 79106-2501 About 0.8 miles away](https://rateapi.dev/credit-unions/texas/access-community) [**The People's** pcos · Amarillo · TX · 79102-2033 About 1.0 miles away](https://rateapi.dev/credit-unions/texas/the-peoples) [**Santa Fe** Downtown Branch · AMARILLO · TX · 79101 About 2.9 miles away](https://rateapi.dev/credit-unions/texas/santa-fe) [**Texas Plains** Corporate Office · Amarillo · TX · 79101-3521 About 3.2 miles away](https://rateapi.dev/credit-unions/texas/texas-plains) [**City** CITY FEDERAL CREDIT UNION · AMARILLO · TX · 79101-3637 About 3.4 miles away](https://rateapi.dev/credit-unions/texas/city) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join ACFCU Credit Union Membership eligibility from ACFCU Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on ACFCU Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [ACFCU Credit Union's membership page](https://www.acfcu.org/identity-theft-protection) . Final membership determination is always made by the credit union. ## Membership rules for ACFCU Credit Union Geography 3 counties 3 published paths to membership, last verified August 5, 2026, from NCUA regulator charter records. ### Geography 3 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Gray County, TX - Potter County, TX - Randall County, TX “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Gray County, TX; Potter County, TX; Randall County, TX” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for ACFCU Credit Union? Yes No ## Work at ACFCU Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where ACFCU Credit Union ranks against Texas peers. - See which AI assistants fetched ACFCU Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=acfcu&state=texas&code=TX&name=ACFCU%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does ACFCU Credit Union offer? ACFCU Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are ACFCU Credit Union rates updated? RateAPI verifies ACFCU Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get ACFCU Credit Union's rate data? Rate data is collected directly from ACFCU Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is ACFCU Credit Union's HELOC rate? As of November 13, 2026, ACFCU Credit Union offers home equity lines of credit from 6.49% APR. ### Who can join ACFCU Credit Union? ACFCU Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 3 counties for ACFCU Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare ACFCU Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.acfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track ACFCU Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for ACFCU Credit Union curl "https://api.rateapi.dev/credit-unions/texas /acfcu " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## ACFCU Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/acfcu Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp