The American Citizens Abroad (SDFCU Access) is a fintech account from American Citizens Abroad (SDFCU Access). Application typically pulls a hard report from Experian. The annual fee is $0. Approval typically requires a credit score of 650-700 or higher. Funding speed: 3-5 business days. ACA membership ($70/year or $35 under-25) opens eligibility for State Department Federal Credit Union (SDFCU). SDFCU is one of the few credit unions that serves Americans living overseas — ideal for expats, digital nomads, and international business owners who need US-based banking. Offers competitive savings rates, auto loans, and credit cards.