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ACFCU is a federally chartered credit union established in 1945, serving over 28,600 members in Amarillo, Texas with $331.2M in assets.
Data compiled from public sources
ACFCU (Amarillo Credit Union) was established in 1945 and is headquartered in Amarillo, Texas. As a not-for-profit credit union, it operates with a community-focused mission to provide financial services to local residents and businesses. 2 million in assets and maintains a modest physical footprint with 1 branch location and 6 ATMs, supported by over 90 dedicated employees as of 2026.
ACFCU offers a comprehensive suite of consumer banking and lending products including checking and savings accounts, money market accounts, certificates of deposit (CDs), auto loans, personal loans, and mortgages. Members can access bill pay, online loan payments, remote deposit capture, e-statements, and mobile banking via iOS and Android apps. The credit union also provides financial counseling, financial education resources, and student scholarships.
Auto loans are available for new and used vehicles, with mortgage options including fixed-rate (15+ years and 15 years or less) and adjustable-rate mortgages. Wire transfers and drive-thru teller services are available, along with a branch locator and financial calculators. As a credit union rather than a traditional bank, ACFCU operates on a not-for-profit basis and advertises rate claims to verify and lower fees than for-profit banks.
00% introductory rates. The organization maintains service status monitoring for online banking, mobile app, and traditional services. With 28,600+ members across various account types (50,000+ in regular savings, 13,600+ in share draft accounts, 1,500+ in CDs), ACFCU demonstrates stable community reach.
ACFCU is best suited for Amarillo residents and those within their membership eligibility area seeking basic to intermediate banking services. However, the single-branch, limited-ATM footprint restricts accessibility compared to regional or national banks. The absence of customer reviews on the reference platform limits transparency regarding service quality and member satisfaction.
This credit union serves a specific geographic community and is optimized for local members rather than those seeking extensive branch networks or national ATM access.
Acfcu offers 12 services including Checking accounts, Savings accounts, Money market accounts, Certificates of deposit (CDs), Auto loans (new and used vehicles), and 7 more.
Acfcu has profile signals associated with Amarillo, Texas residents seeking stable, community-focused banking with rate claims to verify, Local members wanting lower fees and better rates than traditional for-profit banks, Borrowers interested in auto loans with rates starting at 4.05% for new vehicles, Community members desiring financial education and counseling services.
Key strengths: Competitive auto loan rates: new vehicles at 4.05% APR, used at 5.69% APR; Not-for-profit structure provides lower fees and better rates than for-profit banks; Comprehensive digital banking: mobile app (iOS/Android), online bill pay, remote deposit capture, e-statements. Areas to consider: Single branch location limits physical accessibility and severely restricts in-person service convenience; Only 6 ATMs available, minimal network for cash access compared to larger institutions.
In the Credit Unions category, comparable providers include A+ Federal Credit Union, Actors Federal Credit Union, Security Service Federal Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
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CreditDoc Profile Note
ACFCU is profile signals for Amarillo-area residents and those within their membership eligibility zone who value not-for-profit banking with rate claims to verify and comprehensive digital services. The primary caveat is the single physical branch and limited ATM network, which makes this institution unsuitable for consumers requiring extensive in-person access or those living outside Amarillo; additionally, the lack of public reviews limits transparency into actual member experience.
Texas-based federal credit union offering checking, savings, auto loans, mortgages, and home equity products with a mobile-first approach and member-focused service model.
Google rating from 1,135 reviews
Profile signals: Texas residents seeking a digital-first banking experience with a mobile-optimized platform, Auto loan refinancers looking to lower existing rates through credit union partnerships
Actors Federal Credit Union is a listed credit union founded in 1962 serving artists and performers with rate claims to verify on checking, savings, mortgages, and auto loans.
Google rating from 144 reviews
Profile signals: Actors, performers, and entertainment industry professionals seeking financial services from a union-affiliated credit union, AEA members and related entertainment professionals needing mortgages or auto loans with rate claims to verify
Security Service FCU is a San Antonio-based federal credit union founded 1956 with $13B+ in assets. NCUA insured. 70+ branches in TX, CO, UT. BBB A+ accredited. Originally serving military/federal employees.
Google rating from 1,765 reviews
Profile signals: San Antonio area residents and military personnel seeking credit union banking, Consumers wanting NCUA-insured deposits and competitive loan rates
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