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We're Here For You

Products, Services, and Resources During COVID-19

For Branch & Service Accessibility:
Visit the COVID-19 Update Page >>

 

During this time of uncertainty, we're doing our best to ensure that all ACU members have what they need.

Additionally, we welcome anyone new to ACU who may be looking for solutions to lower their loan payments, manage credit card debt, or otherwise make it through these unprecedented times while maintaining financial health and well-being.

The following products and services have been revised and made available with the best rates and terms we can offer at this time.

 

Family Baking

Auto Loans - Lower Rates

We are now offering even lower rates on every Auto Loan term available. In addition to the lower rates, all of our Auto Loans feature:

  • Low-interest rates and flexible terms.
  • No pre-payment penalties.
  • Up to 90 days with no payments.*
  • Up to 100% financing.*
  • Automatic payment options.
Length of Term Annual Percentage Rate (APR)
TEXT
Up to 24 months
TEXT
as low as 1.49%
TEXT
25 to 36 months
TEXT
as low as 1.49%
TEXT
37 to 60 months
TEXT
as low as 1.99%
TEXT
61 to 72 months
TEXT
as low as 2.99%
TEXT
73 to 84 months
TEXT
as low as 3.99%
Effective March 19, 2020
Length of Term

Up to 24 months

Annual Percentage Rate (APR)

as low as 1.49%

Length of Term

25 to 36 months

Annual Percentage Rate (APR)

as low as 1.49%

Length of Term

37 to 60 months

Annual Percentage Rate (APR)

as low as 1.99%

Length of Term

61 to 72 months

Annual Percentage Rate (APR)

as low as 2.99%

Length of Term

73 to 84 months

Annual Percentage Rate (APR)

as low as 3.99%

Effective March 19, 2020

*Actual rate is based on loan term and credit rating of the member. All rates and yields are subject to change. Rate and term based on year and mileage of the vehicle. Interest will accrue during the 90 days without payments. 73 to 84-month terms are for vehicles $50k & above, max 100% financing (NADA Retail or MSRP), new vehicles only 10,000 miles or less. Questions? Call 1-800-543-2811. For vehicles 2014 and older please visit our Auto Loan page for rates and terms.

Apply for an Auto Loan


Skip-A-Payment Option - For Members

If you need to skip one of your payments during these difficult times, we understand. To qualify for the Skip-A-Payment Option you must meet the following qualifications. If you do, you can request to skip one of your ACU payments:

  • You can only skip one payment, per loan, in a 12-month timeframe.
  • A minimum of 6 monthly payments must have been made prior to the first skip.
  • The request needs to be within the 19 day grace period of the payment date.
  • All accounts must be in good standing with ACU.

To learn more, or to request to skip a payment, visit the Skip-A-Payment page.


Low Fixed-Rate Credit Card

You may find yourself needing to purchase groceries and other supplies on credit cards right now. Cards with high rates, or variable rates that could change in the future, may leave you with big payments and a lot of debt.

We're here to help you navigate these times that may require extra expenses. We offer three VISA® Credit Cards so you can pick the one that's right for you. All of our cards offer:

  • Low Fixed Rates
  • NO Annual Fees
  • NO Cash Advance Fees
  • NO Balance Transfer Fees
  • 1% Cashback on Purchases

To learn more about the Credit Cards available please visit our Credit Card page for additional information


Use the Equity in Your Home

If you have equity in your home now may be the time to use it to ensure your well-being over the coming months. Our Home Equity Loans currently feature:

  • No application fee.
  • Low closing costs.
  • Low fixed-rate.
  • No prepayment penalties.
  • Terms from 5 - 30 years.
  • If your Mortgage isn't with ACU we can consolidate your current mortgage amount into your new Home Equity Loan so you only have one payment to manage.

At ACU we can use a property tax bill to process your Home Equity Loan for a faster turn around or have an appraisal done to see if there's even more value in your home. Speak with a lender now to discuss your options by calling 972-494-5328 or, if you're in Missouri, call our Springfield Branch at 417-881-0482.


Talk to a Member Service Representative

Not really sure what you need right now? Feeling like there aren't many resources available while you're trying to balance all these new changes? We understand! 

If you'd like to simply talk to someone about your financial concerns, upcoming payments, bills, and debt we're here for you! Even if you're not an ACU member! We have Member Service Representatives standing by who can help. 

Springfield Missouri Members and Residents: 417-881-0482
Texas Members and Residents: 972-494-5328

FREE Budgeting Templates

Budget ebook cover and spineBudgeting is more important than ever during these uncertain times. This free eBook is full of budgeting templates for a variety of saving goals.

Beyond the templates, you'll find helpful tips and tricks for creating a budget and sticking to it.

If you need help with your budget planning please don't hesitate to reach out to us. The America's Credit Union staff are all committed to helping you and your family maintain financial health and well-being during this time. 

We're here to help, let's do this together!

Claim Your Copy Here:

 

For ACU Branch Closings and Other Updates Visit:

COVID-19 Update Page