No stored Google rating available.
America's Credit Union is a member-owned financial institution offering checking, savings, credit cards, auto loans, home equity loans, and mortgage services with competitive rates.
Data compiled from public sources
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America's Credit Union operates as a not-for-profit, member-owned financial cooperative serving its community through multiple branch locations including Lancaster, Forest, Garland, and Mesquite offices. The institution is federally insured by the NCUA and maintains a routing number (#311982435), providing traditional and digital banking services.
The credit union offers a comprehensive range of financial products including the new Momentum+ Rewards Checking account, Visa credit cards starting at 9.99% APR, auto loans with fixed rates as low as 3.89% APR (up to 36 months), home equity loans with terms from 5-30 years at fixed rates, mortgage services, and digital wallet integration for Visa cards. Members also have access to online and mobile banking, appointment scheduling, loan applications, and account management tools.
America's Credit Union distinguishes itself through member testimonials emphasizing personalized service from named staff members (Miranda, Trish Reyes, Veronica), competitive interest rates positioned against traditional banks, and a referral rewards program offering $75 cash bonuses for new member recruitment. The institution recently expanded ATM access at its Lancaster location with a drive-thru option and actively promotes seasonal offerings like spring auto loan sales and mortgage pop-up events.
The company demonstrates operational commitment through member engagement programs including the "Love My Credit Union Rewards" initiative, tax service partnerships with $10,000 sweepstakes entries, and documented volunteer hours. However, specific financial metrics, asset size, membership numbers, and detailed fee structures are not disclosed on the public-facing website.
This is state-level context for Credit Unions consumers in Garland, TX. It does not confirm that America'S or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
According to CFPB data (2023-present), America'S has a 75% response rate to consumer complaints, with 75% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.
America'S offers 12 services including Momentum+ Rewards Checking accounts, Visa credit cards, Auto loans (fixed-rate, 36-month terms), Home equity loans (5-30 year terms), Mortgage services and financing, and 7 more.
America'S has profile signals associated with Local consumers in served markets (Lancaster, Forest, Garland, Mesquite areas) seeking personalized banking relationships, Auto buyers looking for competitive fixed-rate financing with short approval timelines, Homeowners seeking home equity financing with extended repayment flexibility, Members prioritizing customer service quality and community-focused financial institutions.
Key strengths: Competitive auto loan rates as low as 3.89% APR with flexible 36-month terms; Credit cards with introductory rates starting at 9.99% APR; Flexible home equity loans with extended terms (5-30 years) and fixed interest rates. Areas to consider: Website does not disclose membership requirements or eligibility criteria; No fee schedule, APR ranges, or specific rate details published for most products.
In the Credit Unions category, comparable providers include A+ Federal Credit Union, ALLIANCE 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.
CreditDoc Profile Note
America's Credit Union is profile signals for local consumers in its service areas seeking rate claims to verify on auto loans and home equity financing with personalized service. Primary caveat: membership eligibility, specific product terms, fee structures, and rate details are not transparently disclosed on the website, requiring direct contact for accurate comparison.
Public data from the Consumer Financial Protection Bureau
* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)
** Percentage of responses delivered within the CFPB's 15-day window
Source: consumerfinance.gov | Last checked 2026-03-24
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Google rating from 1,135 reviews
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Google rating from 803 reviews
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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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