--- title: "America's Credit Union Rates - Texas" description: "Current mortgage, auto loan, personal loan, and savings & cd rates from America's Credit Union in Texas. Updated daily with source verification. See who can join America's Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/americas" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # America's Credit Union Rates - Texas ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Mortgage Loan** other | — APR | 5.690% | — | Standard | America's Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Auto Loan** auto_any_36mo | — APR | 3.890% | 36 mo | Standard | | **New and Used Auto Loan** auto_any | — APR | 4.400% | any | Standard | | **Car & Truck Loan** auto | — APR | 4.400% | — | Standard | | **Auto Loan** auto | — APR | 9.990% | — | Standard | America's Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Up to 36-Month Signature Loan** personal_unsecured_36mo | — APR | 9.990% | 36 mo | Standard | | **Table data for Personal (Signature) Loan Rates 11-12-2026** personal_unsecured | — APR | 9.990% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 10.990% | — | Standard | | **Signature - 37 to 48 months** other | — APR | 10.990% | — | Standard | | **Signature - 49 to 60 months** other | — APR | 11.990% | — | Standard | America's Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Savings** share_savings | — APY | 4.00% | — | Standard | | **7-Month Certificate** cd_7mo | — APY | 4.00% | 7 mo | Standard | America's Credit Union savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **60‑month, as low as 4.40% APR 1** other | — % | 5.040% | — | Standard | | **60‑month, as low as 4.80% APR 2** other | — % | 5.440% | — | Standard | America's Credit Union other rates as of November 12, 2026 America's Credit Union is a credit union in Texas. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/americas) , verified from [America's Credit Union's official website](https://www.americascu.org/) Loading branch locator… ## About America's Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 31.7K Assets $422.5M Founded 1934 Locations reported 8 NCUA charter 67470 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Bilingual services 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. [**Credit Union of Texas** Berkner HS Smart Branch · Richardson · TX · 75081 About 2.0 miles away](https://rateapi.dev/credit-unions/texas/credit-union-of-texas) [**Texans** Downtown Garland · Garland · TX · 75040 About 2.1 miles away](https://rateapi.dev/credit-unions/texas/texans) [**Resource One** Garland · Garland · TX · 75041 About 2.7 miles away](https://rateapi.dev/credit-unions/texas/resource-one) [**Texas Dow Employees** TDECU-Garland · Garland · TX · 75041-4834 About 3.7 miles away](https://rateapi.dev/credit-unions/texas/texas-dow-employees) [**randolph-brooks** Garland · Garland · TX · 75040 About 4.0 miles away](https://rateapi.dev/credit-unions/texas/randolph-brooks) [**Navy Federal Credit Union** Garland TX · Garland · TX · 75040 About 4.0 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) 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 America's Credit Union Membership eligibility from America's Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on America's Credit Union's website. Check the membership page below to confirm whether you qualify. - Location dallas, collin, rockwall — TX - Employer Kraft Heinz, Don Johnson's Tobacco World, commercial Metals Company Verified from [America's Credit Union's membership page](https://www.americascu.org/membership/about-us/history.html) . Final membership determination is always made by the credit union. ## Membership rules for America's Credit Union Geography 3 counties · Employers 3 · Family 10 published paths to membership, last verified August 27, 2026, quoted from America's Credit Union’s own published criteria. ### Geography 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Collin County, TX - Dallas County, TX - Rockwall County, TX “If you or a family member live, work, worship, or attend school within Dallas, Collin, or Rockwall County, we'd love the opportunity to serve you!” > [source ↗](https://www.americascu.org/membership/join-us/join-acu.html) ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Kraft Heinz “If you work for: Kraft Heinz, Don Johnson's Tobacco World, or commercial Metals Company, in Springfield, we'd love the opportunity to serve you!” > [source ↗](https://www.americascu.org/membership/join-us/join-acu.html) - Employee of Kraft Heinz - Employee of Don Johnson's Tobacco World “If you work for: Kraft Heinz, Don Johnson's Tobacco World, or commercial Metals Company, in Springfield, we'd love the opportunity to serve you!” > [source ↗](https://www.americascu.org/membership/join-us/join-acu.html) - Employee of Don Johnson's Tobacco World - Employee of Commercial Metals Company “If you work for: Kraft Heinz, Don Johnson's Tobacco World, or commercial Metals Company, in Springfield, we'd love the opportunity to serve you!” > [source ↗](https://www.americascu.org/membership/join-us/join-acu.html) - Employee of Commercial Metals Company ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “If you are a family member of the Texas or Missouri eligibility groups, we'd love the opportunity to serve you!” > [source ↗](https://www.americascu.org/membership/join-us/join-acu.html) - Family member of a member 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 America's Credit Union? Yes No ## Work at America's 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 America's Credit Union ranks against Texas peers. - See which AI assistants fetched America's 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=americas&state=texas&code=TX&name=America's%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does America's Credit Union offer? America's Credit Union currently offers mortgage, Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are America's Credit Union rates updated? RateAPI verifies America's Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get America's Credit Union's rate data? Rate data is collected directly from America's Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join America's Credit Union? America's Credit Union publishes its membership criteria on its own website. RateAPI tracks 10 published membership paths covering 3 counties and 3 employers for America's Credit Union, each quoted from America's Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare America's Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas mortgage rate leaders](https://rateapi.dev/mortgage-rates/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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.americascu.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 America's 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 America's Credit Union curl "https://api.rateapi.dev/credit-unions/texas /americas " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## America's Credit Union locations Search, filter, and browse all 8 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/americas Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp