2024 Overview
General Credit Union Information
America's is an NCUA insured institution located in Garland, TX. It was founded in 1934 and has approximately $390.41 millions in assets.
Who can join?
You are eligible to become a Member if you or any of your relatives reside or work in any of the following areas:
• Dallas County
• Collin County
• Rockwall County
You are also eligible if you or any of your relatives work for, are retired from, or receive benefits from any of the following companies:
• Kraft Foods, Inc.
• U.S. FoodService (formerly Alliant FoodService)
• Philip Morris and any of its subsidiaries
• Baylor Medical Center at Garland
• Valspar, Inc.
• Raytheon
• Sherwin Williams
• Employees of the Texas Post Offices: Rowlett, Wylie, Rockwall, Royce City, Garland or Terrell
• Plus other businesses
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 67470 |
| Date Established | 1934 |
| Assets | $390.41 million |
| Loans | $268.28 million |
| Deposits | $334.39 million |
| Capital | $52.47 million |
Field of Membership Restrictions
America's CU Tx, is open to anyone who resides or works; either themselves or a family member, in Dallas, Collin, or Rockwell Counties; or anyone who is either employed themselves or through a relative association at any of the site listed CU-affiliated companies, whether you/they are retired, a pensioner, or a current employee.
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.05% | $10,000 | $14,999 |
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|
|
Money Market
|
0.05% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.15% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.15% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for America's
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.710% | 6.625% | 0.88 | $2,806 | $2,049 | Learn More |
NMLS ID: 2059741 |
7.018% | 6.875% | 0.88 | $4,672 | $2,103 | Learn More |
NMLS ID: 3030 |
7.476% | 7.375% | 1.00 | $3,200 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to America's
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are America's branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
AMERICA'S is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
America's Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of America's. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| America's | U.S. Average |
|---|---|
| 12.50% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, America's had $6,234,542 in non-current loans and $378,688 in owned assets. To cover these potential losses it had $52,469,980 in net worth and $430,645 in loans loss reserves. That gives it a Texas Ratio of 12.50%.
Net Worth
| America's | U.S. Average |
|---|---|
| 13.54% | 13.62% |
America's FCU has a net worth of 13.54% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for America's
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