Hero Rewards - Associated Credit Union of Texas
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Hero Rewards for Veterans and First Responders

Earn rewards for your heroic duties with a special account type for Veterans and First Responders. Take advantage of higher savings, reward points and exclusive features to reward your heroism because at ACU of Texas, we believe that real heroes deserve real rewards.


Hero Rewards Checking Account Features:

  • Choice of ten debit card designs
  • Earn 11% more Real Rewards points with your Real Rewards Visa® debit card
  • Free identity theft protection with Benefits Plus
  • 0.50% off an auto loan and choice to defer payments up to 90 days
  • Free homebuyer certification class and mortgage appraisal
  • Free travel and entertainment discounts with Benefits Plus
Veteran Card Black
Hero Reward Card - Black Flag
Veteran Card Flag
Hero Reward Card - Iwo Jima Statue
Veteran-Card-Flag
Hero Reward Card - Flag Color
Veteran-Card-Air-Force
Hero Reward Card - Air Force
Veteran-Card-Army
Hero Reward Card - Army
Veteran-Card-Coast-Guard
Hero Reward Card - Coast Guard
Veteran-Card-Marines
Hero Reward Card - Marines
Veteran-Card-Navy
Hero Reward Card - Navy
Veteran-Card-Fire
Hero Reward Card - Fire
Veteran-Card-Police
Hero Reward Card - Police

Veterans, active duty and first responders eligible only. Proof of service, prior service or employment required. Click for a complete list of eligibility.


Savings account required and $1 minimum deposit establishes membership and subject to membership requirements. Higher Monthly Payback: 1 point is earned for every $1 spent with an ACU of Texas credit card and $4 spent with an ACU of Texas debit card. 11% additional bonus points earned for Hero Rewards Accounts. Rewards awarded quarterly. Only signature based transactions qualify. ATM withdrawals and PIN based transactions not eligible. Members with delinquent credit cards or loans not eligible. Free Benefits Plus: Monthly fee of $4.50 waived monthly for active checking accounts. Free identity theft protection, restoration services and travel and entertainment discounts must be activated with Benefits Plus. 0.50% Auto Loan Discount: 0.50% off lowest loan rate qualified for and not discounted below 1.49% APR. One loan discount per household. APR = Annual Percentage Rate. New loans and refinanced loans from other financial institutions only. Interest accrues from date loan is funded. Rate may vary depending on each individual's credit history and underwriting factors. Deferred Payments: Member may choose to defer payments up to 90 days. Free Homebuyer Certification Class & Mortgage Appraisal: Homebuyer Certification Class Fee reimbursed, if charged, and deposited into checking once class is completed. Free class hosted by Keystone Community Development Corporation. Limit one class per household. Free appraisal up to $450 and eligible recipients must be ACU of Texas Real Heroes members and financing through ACU of Texas only. Member responsible for tax consequences if any. Offers and special incentives subject to change at any time.

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