Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions in Garland, TX
Founded in 1934, Americas Credit Union has served the Garland community and beyond for nearly nine decades. Originally established as Kraft Credit Union for Kraft Foods employees, we expanded our membership to the broader community in 1999 while maintaining our commitment to personalized financial services. Our growth through strategic mergers and community-focused initiatives has positioned us as a trusted financial partner with over 30,000 members and $400 million in assets. We specialize in delivering competitive rates on checking, savings, loans, and investment products while prioritizing exceptional customer service. Our team of experienced professionals is dedicated to empowering members through financial education, innovative digital tools, and customized solutions.With physical locations and digital banking services, we combine traditional values with modern convenience to meet evolving member needs. Our Equal Housing Lender designation and NCUA federal insurance underscore our commitment to ethical, secure financial services. Through volunteer programs and local partnerships, we actively contribute to community development. This combination of longevity, expertise, and member-centric philosophy distinguishes us in the financial services industry.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Personal Loans
Business Banking
Wealth Management
Digital Banking
Financial Education
Details
- Year established: 1934
Highlights and features
- 90 years of serving the Garland community with financial expertise
- Personalized service from experienced local banking professionals
- Competitive rates on loans, savings, and credit products
- 24/7 digital banking with budgeting and account management tools
- Community-focused organization with local decision-making
Associations and certifications
- NCUA
What people say
Exceptional customer service
Knowledgeable staff
Competitive rates
Personalized attention
Positive loan experiences
Services
Personal Checking Accounts
Our personal checking accounts offer no monthly maintenance fees, free online bill pay, and mobile banking access. Members earn rewards through debit card usage while enjoying convenient access to ATMs and branch locations. Designed for everyday financial management with features supporting budgeting and transaction tracking.
Auto Loan Programs
We provide fixed-rate auto loans with terms up to 36 months at competitive APRs. Our streamlined approval process includes pre-qualification options and personalized rate quotes. Loan protection plans are available to safeguard against unexpected financial hardships during the loan term.
Home Equity Loans
Flexible home equity loans feature fixed interest rates with repayment terms ranging from 5 to 30 years. These low-rate financing options allow homeowners to leverage property equity for major expenses while maintaining predictable monthly payments throughout the loan period.
Digital Banking Platform
Our 24/7 digital banking system enables account management, bill payments, check deposits, and budget tracking through mobile apps or web portal. Security features include biometric authentication and real-time transaction alerts to protect member accounts.
Wealth Management
We offer retirement planning, IRAs, and investment products tailored to individual financial goals. Our wealth management team provides guidance on asset allocation, tax-efficient strategies, and long-term financial security planning for members at all life stages.
People
Bert Beal
CEO & President
Leading Americas Credit Union with strategic vision, Bert Beal oversees organizational growth and member service excellence. With decades of financial industry experience, he focuses on expanding community impact through innovative banking solutions and sustainable growth initiatives.
Shelley Pence
Chief Financial Officer
Shelley Pence manages financial operations and risk management strategies. Her expertise in credit union finance ensures fiscal stability while supporting competitive product offerings. She plays key roles in budget planning, investment strategies, and regulatory compliance.
Jason Steele
Chief Strategy Officer
Jason Steele drives digital transformation and strategic partnerships. He leads technology implementation initiatives and market expansion efforts while maintaining focus on member-centric service models and operational innovation across all service channels.
Tammy De La Cerda
Chief Lending Officer
Overseeing lending operations, Tammy De La Cerda ensures accessible credit solutions with responsible underwriting practices. She manages loan product development, approval processes, and staff training to maintain high service standards across personal and business lending categories.
Scarlett Mihailov
Senior Vice President, Retail Operations
Scarlett Mihailov directs branch network operations and member experience strategies. Her leadership focuses on service quality improvement, staff development, and implementing community engagement programs that strengthen local relationships and membership growth.
Questions
What are the membership requirements for America's Credit Union?
Anyone living or working in Dallas, Rockwall, or Collin Counties can join. Employees of over 100 partner companies nationwide also qualify for membership eligibility.
How do I access digital banking services?
Enroll through our website to access 24/7 account management, bill pay, mobile check deposit, and budgeting tools via our mobile app or online banking portal.
What loan types are available?
We offer personal loans, auto financing, home equity loans, mortgage programs, and business lending solutions with competitive rates and flexible terms.
Are there fees for checking accounts?
Our checking accounts have no monthly maintenance fees. Standard transaction fees apply for specific services, with fee waivers available for qualifying account activities.
How can I report a lost or stolen card?
Contact us immediately at 1-888-742-6551 or 214-742-6551 to report lost/stolen cards. Replacement cards can be requested through our customer service team during business hours.
What community initiatives does the credit union support?
We participate in financial literacy programs, local charity partnerships, and volunteer initiatives. Our outreach includes educational workshops and sponsorships of community events in Garland and surrounding areas.
