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.

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.

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.

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.

Reordering Checks

Taking care of expenses may also involve writing checks, so the last thing you want to do is run out. You can easily and securely place your check reorder 24/7 online to ensure you have the supply you need. To place an order, visit the check reordering page.

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. 

FREE Budgeting Templates

Budgeting 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!