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American Lake

PO box 98979, Lakewood, WA 98496
NCUA Insured3.3 (34 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1948

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO box 98979

Lakewood, WA 98496

Service Area

This credit union is located in Lakewood and serves members in the WA area. Currently serving 4,594 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.99%

Used Auto Loan

4.99%

Personal Loan

9.49%

Credit Card APR

9.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in WA

Lowest rates currently reported by credit unions in WA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.3

34 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Craig Wallace

Craig Wallace

4 months ago

I've been a member of this credit union for close to 30 years, but I'm now going to close my account. I recently went on a trip out of the country and before leaving spoke with a credit union employee to make sure that my debit card would be functional. After spending 15 minutes on the phone with her, and after entering my information twice, she assured me that the card would work. When I tried using it it was declined. And now that I'm back, the card is still declined. It took 2 phone calls with the credit union to unblock my card. No one from the credit union contacted me about this. Horrible customer service. I'm switching to WSECU which has provided great service to my wife. I encourage everyone to move there money out to a more competent credit union.

Jacob Sundal

Jacob Sundal

4 months ago

Amazing customer service. Clean facility. Every time I visit the staff is welcoming, and happy to be working there. The phone call support is top tier as well, Cindy was a great help.

Laura Holt

Laura Holt

7 months ago

This place doesn't talk to clients, you might get a call back I'd say maybe 60% of the time. But you will NEVER get an employee on the phone. I can't wait to refinance my car.

Roy

Roy

8 months ago

Fantastic service and I'm grateful for their service through some hard times I've been with them a lot of years. Good people. Good Bank

Daniel Hampton

Daniel Hampton

3 years ago

One of the most unprofessional and incompetent team of bankers I've ever met. Went to the Lakewood branch to transfer the title for the truck I was selling. After 45 min of hemming and hawing about which branch we actually needed to go to we were told we had to book it across town to a different location because "we don't do titles at this branch". After a mad dash we made it with 5 minutes to spare. We signed all the necessary paperwork and closed out all the accounts, including the auto-pay. Fastforward a month and surprise surprise we get billed for the full truck payment. When we call to sort it out the person on the phone was rude and dismissive. After some back and forth they said I didn't sign the correct paperwork and that we'll have to sign the cancellation of the auto pay. I was sure we had done this before so I said as much. After a minute on hold I was told that yep, we had done everything correct on our end and that they had made a mistake. Thing is they opened a new savings account or didn't close the first one so we will see if we get the money and don't have any more problems from surprise banking. Long story short: Never bank here if you can help it.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).