America’s Credit Union Promotions: $50 Referral Bonus (Nationwide) – No End Date

America’s Credit Union (youracu.org) promotions and offers are updated here. Don’t settle for a $50 bonus, check out this bonus from BMO Bank that could earn you up to $600 for a checking account.

• Update 10/16/2023: The offer is still active.

ACU was established in 1954 and is headquartered in Dupont, Washington. They have grown to 13 locations as of 4th quarter 2016. While all branches are in Washington state, they are part of the CO-OP ATM and Shared Branching networks, where they can provide more than 30,000 ATMs and 5,300 branch locations nationwide for your ACU transactions.

[su_panel shadow=”3px 3px 3px #eeeeee” radius=”2″ text_align=”center”]Membership Information For Credit Union:
Membership in America’s Credit Union is open to anyone through joining the Pacific Northwest Consumer Council. Membership is also open to the following: 1) anyone living the the northwestern region of the United States; 2) to active, retired, and reservists of the Armed Forces; 3) members of the Association of the United States Army.
See current membership info.[/su_panel]

READ MORE: GET TOP BONUSES FROM CHASE, AXOS, AND BMO.

We’ll review current ACU offers below.

America’s Credit Union $50 Referral Bonus

• What you’ll get: $50 for you (existing member) and $50 for the new member
• Where it’s available: Pacific Northwest
• How to earn it:
  • Contact ACU to receive your unique referral code.
  • Share your ACU story and referral code with your friends and family.
  • Once they switch to ACU, you’ll both get $50!
  • Credit union membership and checking account qualifications apply, including initial savings deposit of $25.
• When it expires: None listed

Waive The Monthly Fee

• No fees to become a member.
• To receive the bonus, you must sign up for a checking and savings account. Requirements for waiving the monthly fee varies. Check with the credit union for all of your options. Here is a couple of examples:
  • Teen Checking:
    • No minimum balance requirement
    • Free mobile banking, mobile deposit, unlimited use of debit card, ATMs, eStatements
  • Opportunity Checking:
    • No minimum balance requirement
    • Paying $8.95 per month when you set up direct deposit for your entire payroll, pension, or Social Security check ($500 per month minimum) to your checking account.
    • Or $10.95 per month without direct deposit to ACU.

Fine Print

• New member relationship with America’s Credit Union, age 18 or older.
• No previous relationship within the last six months and no previous losses to the credit union.
• The incentive money will be deposited within 90-days of meeting requirements.
• Requirements must be met within 60-days of account opening to receive the incentive money.
• If the account is open less than six months, the incentive money will be collected at account closing.
• Cannot be combined with any other offer.
• Referrer must have an account in good standing to be eligible for referral program.
• Subject to tax reporting.

Bottom Line

This is a modest offer. I would consider other options unless you have a particular need to bank with ACU. More great bank bonuses here (e.g. Chase promos, Bank of America promos, HSBC promos).

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[Expired] America’s Credit Union $100 Checking Bonus

This $100 Checking account bonus from ACU will require direct deposit.

• $100 bonus offer is ongoing
• Membership is available to those in the Pacific Northwest
• The Affinity Checking account is eligible for the offer
• Minimum opening deposit is $1
• Application will trigger a hard pull, which will affect your credit
• Direct deposit is a requirement for the bonus

How To Earn The $100 Bonus

• First, become a member of ACU.
• Open a new Affinity Checking account, which has no minimum balance requirement.
• Within 30 days of account opening, set up a direct deposit of at least $500.
• You will receive a coupon that you can redeem for $100 within 60 days after the initial direct deposit is received.
• You must keep the account open for 12 months and have direct deposit or the $100 bonus will be debited at closing.

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.