--- title: "America's Credit Union, A Rates: Vehicle 5.77%, Personal 9.23%" description: "America's Credit Union, A rates today: vehicle loans from 5.77% APR, personal loans from 9.23% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join America's Credit Union, A — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/washington/americas-credit-union-a" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # America's Credit Union, A Rates: Vehicle 5.77%, Personal 9.23% ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 5.210% | — | Standard | | **New & Used Auto Loan** auto_any | 5.770% APR | 5.210% | any | Standard | | **Motorcycle Loan** motorcycle | 8.050% APR | 8.050% | — | Standard | | **RV Loan** rv | 10.500% APR | 8.900% | — | Standard | America's Credit Union, A auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | 9.230% APR | 9.230% | — | Standard | | **Secured Personal Loan** personal_secured | — APR | 12.030% | — | Context only | America's Credit Union, A personal loan rates as of November 12, 2026 ### Credit card rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 9.040% | — | Standard | | **Platinum Credit Card** credit_card_platinum | — APR | 9.040% | — | Standard | | **Visa Platinum Rewards** credit_card_rewards | — APR | 10.040% | — | Standard | | **Visa Green Rewards** credit_card_rewards | — APR | 15.990% | — | Standard | America's Credit Union, A credit card rates as of November 12, 2026 ### Savings & CD rates 31 offers | Product | Published | Rate | Term / condition | Status | | **$0 - $4,999.99** savings | — APY | 0.01% | — | Standard | | **Regular Share** savings | — APY | 0.01% | — | Standard | | **Checking Accounts | Affinity Premier Checking†*** checking | — APY | 0.01% | — | Specialty offer | | **$35,000.00+** savings | — APY | 0.01% | — | Standard | | **IRA** ira | — APY | 0.01% | — | Standard | | **$0 - $2,499.99** savings | — APY | 0.01% | — | Standard | | **$5,000 - $14,999.99** savings | — APY | 0.10% | — | Standard | | **$2,500+** savings | — APY | 0.10% | — | Standard | | **$15,000 - $24,999.99** savings | — APY | 0.12% | — | Standard | | **Tree Fort Club*** savings | — APY | 0.15% | — | Standard | | **$25,000 - $49,999.99** savings | — APY | 0.15% | — | Standard | | **Health Savings*** savings | — APY | 0.20% | — | Standard | | **Roth IRA Savings*** ira | — APY | 0.20% | — | Standard | | **$50,000 - $99,999.99** savings | — APY | 0.20% | — | Standard | | **$5,000.00 -$14,999.99** savings | — APY | 0.25% | — | Standard | | **$100,000 - $149,999.99** savings | — APY | 0.25% | — | Standard | | **$150,000 - $249,999.99** savings | — APY | 0.30% | — | Standard | | **$250,000 - $499,999.99** savings | — APY | 0.35% | — | Standard | | **$500,000 - $999,999.99** savings | — APY | 0.45% | — | Standard | | **$1,000,000+** savings | — APY | 0.50% | — | Standard | | **48+ Month** savings | — APY | 0.55% | — | Standard | | **48-Month Certificate** share_certificate_48mo | — APY | 1.00% | 48 mo | Standard | | **$0 - $25,000** savings | — APY | 1.00% | — | Standard | | **Performance Saver*** savings | — APY | 1.00% | — | Standard | | **Christmas Club*** savings | — APY | 2.75% | — | Specialty offer | | **Checking** checking | — APY | 3.00% | — | Standard | | **$0 - $1,000** savings | — APY | 3.00% | — | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 3.55% | 12 mo | Standard | | **12 Months (New Money)** cd_12mo | — APY | 3.75% | 12 mo | Standard | | **Savings** savings | — APY | 3.75% | — | Standard | | **18-Month Certificate** share_certificate_18mo | — APY | 3.75% | 18 mo | Standard | America's Credit Union, A savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Affinity Free** other | — % | 3.000% | — | Standard | | **First Time Buyer Program** other | — % | 12.320% | — | Standard | America's Credit Union, A other rates as of November 12, 2026 Vehicle loans available from 5.77% APR. Personal loan rates from 9.23% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/washington/americas-credit-union-a) , verified from [America's Credit Union, A's official website](https://www.youracu.org/) Best product position **Better than the Washington median** personal loan Gap to state best **598 bp** 598 bp from state best Vs. state median **71 bp better than median** personal loan Products ranked **1** across tracked Washington markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 9.23% | Better than the Washington median | 598 bp from state best | 71 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim America's Credit Union, A'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=americas-credit-union-a&state=washington&code=WA&name=America's%20Credit%20Union%2C%20A) Loading branch locator… ## About America's Credit Union, A Institution facts reported to the National Credit Union Administration for Invalid Date. Members 28.9K Assets $698.7M Founded 1954 Locations reported 12 NCUA charter 9373 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 - First-time homebuyer program - 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. [**Harborstone** Dupont · Dupont · WA · 98327 About 1.3 miles away](https://rateapi.dev/credit-unions/washington/harborstone) [**O Bee** LACEY · LACEY · WA · 98516 About 5.5 miles away](https://rateapi.dev/credit-unions/washington/o-bee) [**Washington State Employees** HAWKS PRAIRIE · Lacey · WA · 98516 About 5.8 miles away](https://rateapi.dev/credit-unions/washington/washington-state-employees) [**Boeing Employees** Hawks Prairie Neighborhood Financial Center · Lacey · WA · 98516 About 5.9 miles away](https://rateapi.dev/credit-unions/washington/boeing-employees) [**Peak** HAWKS PRAIRIE SAFEWAY · LACEY · WA · 98516 About 5.9 miles away](https://rateapi.dev/credit-unions/washington/peak) [**Navy Federal Credit Union** Lacey WA · Lacey · WA · 98516 About 6.1 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, A Membership eligibility from America's Credit Union, A's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in Pacific Northwest Verified from [America's Credit Union, A's membership page](https://www.youracu.org/join-us/) . Final membership determination is always made by the credit union. ## Work at America's Credit Union, A? 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, A ranks against Washington peers. - See which AI assistants fetched America's Credit Union, A’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Washington - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=americas-credit-union-a&state=washington&code=WA&name=America's%20Credit%20Union%2C%20A) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does America's Credit Union, A offer? America's Credit Union, A currently offers vehicle loan, personal loan, and credit card 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, A rates updated? RateAPI verifies America's Credit Union, A'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, A's rate data? Rate data is collected directly from America's Credit Union, A's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are America's Credit Union, A's auto, rv & motorcycle loan rates? As of November 12, 2026, America's Credit Union, A offers vehicle loans from 5.77% APR. ### What is America's Credit Union, A's personal loan rate? As of November 12, 2026, America's Credit Union, A offers personal loans from 9.23% APR. ### Who can join America's Credit Union, A? Community charter: live/work in Pacific Northwest ## Related Rate Data Compare America's Credit Union, A's rates against national credit-union benchmarks. [More Washington credit unions](https://rateapi.dev/credit-unions/washington) [Washington auto loan rate leaders](https://rateapi.dev/auto-loan-rates/washington) [Washington personal loan leaders](https://rateapi.dev/personal-loan-rates/washington) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.youracu.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, A rates Get a free API key to query these rates programmatically, or get the daily email when Washington 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, A curl "https://api.rateapi.dev/credit-unions/washington /americas-credit-union-a " \ -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, A locations Search, filter, and browse all 12 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/washington/americas-credit-union-a Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp