South & Central U.S. Loan Storefront Guide
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America's Credit Union

Updated 2026-08-23 · 5,423 reviewed · 600 listed · Scored from 90 Google reviews · How we rank ›

4.7(90) 85 composite score See reviews on Google ✓ Google-verified Publishes prices
Mortgage & Home LoansPersonal LoansBad Credit / No Credit CheckBusiness & Commercial Loans
America's Credit Union
Services
Mortgage & Home Loans, Personal Loans, Bad Credit / No Credit Check
Reviews
90

What recent reviews say

Members consistently praise staff by name-Bri, Kawana, Ximena, Diamond, and Jenn-for guiding them through account openings, auto loans, and credit cards with speed and care. The experience feels personal rather than transactional; loan officers follow up by text and phone, explain credit-building steps, and handle paperwork so thoroughly that many customers need only one in-person visit.

Loan approval appears quick, and the team keeps customers informed at each stage. A longtime member noted the credit union's quality has held steady since its Dallas Telco days. Pricing options span auto loans as low as 3.89% APR and credit cards starting at 9.99% APR, though most reviewers focus on the human service rather than rate shopping.

Praised for
  • attentive, professional staff
  • smooth, fast loan process
  • knowledgeable on credit options
  • personalized service and follow-up
helpful-stafffast-approvalknowledgeable-agentsfriendly-staffprofessional-servicequick-funding
Best for: Members seeking personal attention during loan approval and account setup.

Strengths

  • Staff build credit-improvement plans with you
  • Single-visit loan closings possible
  • Named loan officers follow your application end-to-end
  • Federally insured NCUA member

Worth knowing

  • Bri Salas assists with signature loans, auto loans, and credit card applications; provides follow-up guidance on credit scores.
  • Kawana Coleman handles account openings and savings consultations.
  • Ximena provides online support.
  • Jenn assists with auto loan payoffs at the NCX location.
  • Loan officers sometimes allow customers to complete paperwork online, requiring only one trip to pick up funds.
  • Loan process described as completing in one visit or fewer.

What reviews say by service

Personal Loans
Bri and team guide customers through signature loans with follow-up advice on credit scores and online paperwork options.
Auto & Title Loans
Auto loans close quickly; Jenn and Bri handle payoffs and new car loans with minimal required visits.
Mortgage & Home Loans
No specific review evidence for mortgage services; website lists auto and personal lending but not mortgages explicitly.
Business & Commercial Loans
No review evidence for business lending in current reviews.

How it compares

  • Rated 4.7 against a 4.49 average across the 424 mortgage & home loans businesses listed here.
  • Has more Google reviews than 55% of the businesses in this directory.

How we scored this

How We Rank
Star rating 77
Review volume 85
Review recency 100
Review sentiment 80
Profile completeness 100
Verification 30

Rating breakdown

5
80
4
4
3
1
2
2
1
3

Contact

Address
4040 N Central Expy #100, Dallas, TX 75204
Open in Google Maps

Last verified 2026-08-23

Opening hours

Monday
09:00-17:00
Tuesday
09:00-17:00
Wednesday
09:00-17:00
Thursday
09:00-17:00
Friday
08:00-17:00
Saturday
Closed
Sunday
Closed

As listed on Google.

From their website

Services listed
Momentum CheckingValue CheckingFlexible CheckingBusiness CheckingVISA Credit CardsVISA Gift CardsAuto LoansAuto Loan Refinance
Published prices
Credit Cards
rates as low as 9.99% APR
Auto Loans
Fixed-Rate up to 36 months as low as 3.89% APR
7 Month CD Special
4.00% APY

Credentials claimed:NMLS ID #562279, Federally insured by the NCUA, An Equal Housing Lender

As published by the business on its own website; not independently verified.

Enquire about America's Credit Union

Your enquiry goes to the South & Central U.S. Loan Storefront Guide team, who will pass it to America's Credit Union. We only share your details with providers relevant to your request.

Common questions

Can I complete my loan application online?
Yes. Some customers complete paperwork online and only visit the branch to pick up funds, though one trip is still typical.
Will staff help me improve my credit score?
Yes. Loan officers provide advice on credit-building steps as part of the application process.
What are your current auto loan rates?
Their website lists fixed-rate auto loans up to 36 months starting at 3.89% APR.

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Last updated 2026-08-23