Q3 2024 Printable | America's Credit Union

Credit Score. And More.

Now Available to all members for FREE!

Staying on top of your credit has never been easier.

Access your credit score, full credit report, credit monitoring, financial tips, and education. All of this without impacting your credit score.

You can do this ANYTIME and ANYWHERE and for FREE.

Learn More

Save Money. Consolidate Debt.

Transfer Could Be the Answer!

Open a Visa® credit card today, and you will save money!

With features such as:

No balance transfer fee
No annual fee
No cash advance fee
Lower interest rates than other cards

More of your payments go towards reducing your balance instead of interest, helping you pay off debt faster and more affordably.

It's a smart way to take control of your finances, consolidate debt, and save money in the long run.

Apply Today

Kasasa Cash Highlights

Get more out of your checking account with Kasasa Cash!

Earn an awesome bonus rate of up to 4.75% APY ¹ on balances up to $25,000 when you meet the requirements. ¹
Get refunds on ATM withdrawal fees across the country (up to $4.99 per transaction, capped at $25.00 per month). ¹
Plus, for balances over $25,000, you'll still earn anywhere from 0.89% to 4.75% APY, depending on your account balance. ¹
If you don't qualify one month, no problem! Try again the next month with no penalties.

Upgrade your banking experience with Kasasa and start maximizing your rewards today!

Open a Kasasa Cash Account

Refer-A-Friend

We're Celebrating You, Our Members!

As a special thank you for 90 amazing years, we are giving our members the opportunity to earn a $90 cash bonus for each new member they bring to America’s CU.

Refering is easy!

Print the card by clicking below, or pick up a card at your nearest branch location.
Give it to your friend.
Have the friend come to the nearest branch location and open an account with a checking account and direct deposit. ²
You get $90 and your friend gets $90!

Help us celebrate and grow the credit union for the future!

Print Your Refer-A-Friend Card

Between March 1, 2024, and November 6, 2024, each person will receive $90 when a new member opens a checking account with direct deposit of $100 and up.* No limit to the number of referrals! Member needs to be 13 years or older to open a checking account.

Cyber Security Awareness

Tips Not Tricks

October is Cyber Security Month. It is a month dedicated to raising awareness about cybersecurity and how to protect oneself online.

At America's CU, we prioritize your security and want to empower you with some valuable tips to avoid falling victim to cybersecurity tricks:

Make sure your devices are running the most up-to-date operating system.
Make your password long - at least 12 characters. This should include uppercase and lowercase characters, numbers, and symbols.
Add multi-factor authentication (MFA) to your devices for an extra layer of protection.
Change your password at least quarterly.
Make sure to back up your files regularly.
DON'T CLICK ON ANY LINKS OR OPEN ANY FILES YOU DON'T EXPECT.

Visit our Security Center for more tips and information on how to stay safe online.

Security Center

Upcoming Holidays

Indigenous Peoples' Day - Monday, October 14

Veterans Day - Monday, November 11

Thanksgiving - Thursday, November 28

Day after Thanksgiving - Friday, November 29

Christmas Eve - Tuesday, Decmeber 24 at Noon

Christmas - Wednesday, December 25

New Year's Eve - Tuesday, December 31 at Noon

2024 Holiday Schedule

Board of Directors

Chris English - Chair

Raul Mercado - Vice Chair

Dena Smith - Secretary/Tearsurer

Renee Bartlett - Board Member

Kevin Crawford - Board Member

RaFaye Nesmith - Board Member

Sandy Thornton - Board Member

Larry Wadsworth - Board Member

Privacy Notice

Federal law requires us to tell you how we collect, share and protect your personal information. Our privacy policy has not changed. We DO NOT share personal information with 3rd parties. You may review our policy and practices with respect to your personal information below or we will mail you a free copy upon request if you call us at 1-888-742-6551 or 214-742-6551.

90th Anniversary Celebration

Join us as we celebrate 90 years of prioritizing our members' passions. Stay tuned for exciting events and activities, special giveaways, and exclusive surprises. Let's make this anniversary celebration one to remember!

90 Year Anniversary Promotion and Events Schedule

Withholding Notice

Federal regulations require us to provide notice regarding withholding elections on your IRA distributions. If your estimated tax and withholding payments are insufficient, you may incur tax penalties under the estimated tax payment rules.

Your withholding election remains in effect for subsequent distributions unless you change or revoke the election. If you want your current withholding election to remain unchanged, no action is required.

You may change or revoke your election at any time. To make a new withholding election, call or visit one of our branch offices for assistance.

Disclosures

¹ APY = Annual Percentage Yield. APYs accurate as of 11/01/2022.

America’s Credit Union (ACU) Kasasa Cash account qualifications to obtain rewards are; enrollment in eStatements, log in to your online banking or mobile banking one (1) time per month, use your debit card that is associated with your ACU Kasasa Cash account a minimum of thirty (30) individual times with a minimum $5 purchase or more per transaction to earn a bonus reward or fifteen (15) individual times with a minimum $5 purchase or more per transaction for a premium reward. Account transactions and activities may take one (1) or more days to post and settle to the account and all must do so during the monthly qualification cycle in order to qualify for the account's rewards. "Monthly qualification cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

Limit (2) two Kasasa checking accounts per Social Security Number

 Reward Information: (1) Bonus Rewards - Receive APY of 4.75% APY on balances up to $25,000.00 (2) Premium Rewards – Receive APY of 2.50% APY on balances up to $25,000.00 (3) 0.70% to 4.75% APY on balances over $25,000.00 depending on the account’s balance (4) 0.01% APY on the average daily balance if qualifications are not met (5) Receive reimbursements of up to $25 monthly of nationwide ATM fees incurred during the monthly qualification cycle in which you qualified. (maximum $4.99 per single transaction).

 When Kasasa Cash qualifications are not met, ATM fees are not refunded.

 Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 11/01/2022.

 A $25.00 minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Accounts closed during a monthly qualification cycle will not receive rewards.

 Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Refer to our Fee Schedule to see what fees could apply to your account.

 Contact one of ACU’s service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

 Federally insured by NCUA

 Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

² Refer-A-Friend (RAF) $90 incentive will be deposited into referring members' account within 5 days of the new account opening. The referred new account will receive $90 RAF incentive within 5 days of the first direct deposit of $100 or more. Direct deposit must be made within 60 days of account opening. Must be 18 years of age to participate. RAF incentives will be reported as dividend income. Referred members must meet eligibility and account opening criteria.