Q2_Summer_2025_enewsletter | America's Credit Union

News Updates

Summer 2025 Quarterly Newsletter

Scoop up Summer Savings! Take advantage of our new, lower auto loan rates, explore our competitive mortgage loans, fee-free checking accounts, and rewarding referral program!

Scoop Up Summer Savings

Get to Know Us - Take a quick look behind the scenes—meet the people, see the progress, and discover the purpose that fuels everything we do.

No Fees on Checking Accounts - Kasasa Rewards Checking

Auto Loans - New | Used | Refinanced

Got Friends? Get Rewards!

Effortless Savings

Holidays, Privacy Notice, Board of Directors, Updated Funds Availablity Policy

Q2_Summer_2025_enewsletter

Welcome Texas Telcom Credit Union Members!

As of July 2, 2025, Texas Telcom Credit Union members have officially joined the America’s Credit Union family! We are thrilled to welcome you to our community. It is an honor to have you with us, and we are committed to providing you with the friendly service, trusted support, and sense of community you have always relied on.

We hope you enjoy this quarterly eNewsletter, which is one of the many ways we stay connected and keep you informed about the exciting opportunities ahead. We are here to support all our members and look forward to helping you on your financial journey.

Scoop Up Summer Savings!

Just like your favorite flavors, these low rates won't last forever!

LIMITED TIME OFFER
Scoop up some summer savings with our sweet new loan promotion, designed to help you take on your next adventure with ease.

Auto - As low as 3.39% APR*

RV | Motorcycle | Boat | Jet Ski - As low as 3.79% APR*

Mortgage | Home Equity - As low as 5.69% for 15 YRS (5.714% APR)* and as low as 6.19% for 30 YRS (6.405% APR)*

Apply Today

*APR = Annual Percentage Rate; rates, conditions, and terms may vary based on an individual’s creditworthiness and the credit union's underwriting guidelines. The information provided assumes the purpose of the Mortgage loan is to purchase a property with a 15 or 30-year, conforming, fixed-rate loan. Loan amount of $300,000: Credit score of 730+; and normal fees associated with the Home Equity loan, which are assessed at the time of closing with the title company. Programs, rates, terms and conditions are subject to change without notice.

Whether it's volunteering, celebrating our team, or fostering innovation, every moment reflects our values. Join us as we showcase the essence of our community-driven mission and the people who make it all possible!

Up to 4.75% APY ¹ on Checking Accounts

Turn Everyday Spending into Everyday Rewards.

Your Kasasa Cash Checking Account can earn up to 4.75% APY ¹ on balances up to $25,000!

There are no minimum balance requirements or monthly account fees, providing a hassle-free way to save for whatever life throws your way.

Qualifying is Easy

Make at least 30 monthly debit card transactions, each at least $5.
Log in to mobile or online banking at least once during the month.
Opt-in to receive eStatements.
Fulfill all qualifications during the Monthly Qualifying Cycle.

Open Now

Get A New Ride Today!

Limited Time Offer!

It's not too late to get a cool new auto loan—whether you're shopping for something sporty, practical, or just plain fun.

Enjoy low rates, flexible terms, and friendly local service that keeps you cruising with confidence.

New | Used | Refinanced - Rates as low as 3.39% APR*

We'll help you get behind the wheel!

Apply Today

*APR = Annual Percentage Rate; rates, conditions, and terms may vary based on an individual’s creditworthiness and the credit union's underwriting guidelines. The advertised "as low as" rate reflects a 0.70% discount through qualified products and/or services. Motorcycle and RV loans are not eligible for related products and/or service discounts.

Refer-A-Friend

Got Friends? Get Rewards!

Why keep all the good stuff to yourself? Invite your friends to join the fun, and we’ll send some awesome rewards your way—because sharing isn’t just caring, it’s winning!

Earn a $75 cash bonus for each new member you 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 or family member.
Have them visit the nearest branch location and open an account with a checking account and direct deposit. ²
You get $75 and your friend gets $75!

Help us grow and celebrate the credit union's future—because together, we’re building something amazing for everyone!

Print Your Refer-A-Friend Card

Starting January 1, 2025, each person will receive $75 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.

Effortless Savings

Kasasa Saver

Looking to save more money for the things you love in life? Look no further than Kasasa Saver!

Kasasa Saver can help you:

1. Take advantage of the higher APY to grow your savings faster compared to traditional savings accounts.

2. Use your debit card and digital banking for everyday purchases and transactions to maximize your potential earnings with Kasasa Saver.

3. To stay informed about your progress, regularly track your savings and earnings through the account's digital banking tools.

4. Consider setting up automatic transfers from your checking account to your Kasasa Saver to bolster your savings habit and optimize your earnings.

Learn More

Upcoming Holidays

Independence Day - Friday, July 4

Labor Day- Monday, September 1

2025 Holiday Schedule

Board of Directors

Chris English - Chair

Raul Mercado - Vice Chair

Dena Smith - Secretary/Treasurer

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.

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. No action is required if you want your current withholding election to remain unchanged.

You may change or revoke your election at any time. Call or visit one of our branch offices for assistance in making a new withholding election.

Updated Funds Availability Policy Available

Effective July 1, 2025,

Due to updates to Regulatory Funds Availability limits, we are increasing the amount we make available by check deposits subject to holds to $275. Additionally, the amount available on exception holds for large deposits and new accounts is being increased to $6,725.

View New Funds Availability Policy

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.