Credit Union Philosophy
The concept and philosophy behind the credit union is a co-operative field of membership: one member one vote, education, and affordable credit – all still integral parts of who we are. AmeriCU works to embody the credit union philosophy of “people helping people” and cooperative ownership. Everything we do is for our members and our communities. It’s why we have lower loan rates, higher deposit rates, and support local charities and not-for-profit organizations.
AmeriCU Then
Our credit union was chartered in 1950 as the Griffiss Employees Credit Union. We operated out of a desk in the Headquarters Building at Griffiss Air Force Base in Rome, NY and serviced only civilian members. As we grew, our charter was amended to include military personnel and an expanded field of membership. We also increased the variety of products and services offered. We then became Griffiss-Oneida Federal Credit Union.
In 1985, Griffiss-Oneida Federal Credit Union merged with DeWitt First Federal Credit Union in Syracuse and our name was changed to Up State Federal Credit Union. In 1988, we merged with Fort Drum Federal Credit Union. Finally, in 2000 we transitioned from a federal charter to a New York State community chartered credit union and changed our name to AmeriCU Credit Union.
AmeriCU Now
We serve over 200,000 members with 24 locations throughout Central and Northern New York. At AmeriCU, we believe today more than ever, real connections matter. Whether it’s connecting you with the right people to help you succeed, solutions to achieve your goals or modern technology to make banking easier, AmeriCU has everything you need to connect you where you are and where you want to be. In person, online or anywhere in between, we’re here to create meaningful connections that make you feel like you belong.
Not a member? Not a problem – you’re eligible to open an account with as little as one penny!
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In Our Community
AmeriCU values the importance of giving back to the communities where we live and work, it is part of who we are.
News, Events, and Education
Take a look at some exciting things happening at AmeriCU and in our local community!
Governance
Each year at our Annual Meeting, the membership of the credit union votes for members who will serve as Directors on our seven member, all-volunteer Board of Directors.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
AmeriCU Insurance Services Now Offers Pet Insurance
AmeriCU Insurance Services is now offering pet insurance coverage as a new way to help manage the rising cost of veterinary care. This new offer provides access to insurance coverage options designed to help protect both pets and their owners’ budgets. Policyholders also receive access to unlimited 24/7 live veterinary chat support for guidance whenever questions or concerns arise.
Events
Potsdam Summer Fest – Day 1
Potsdam Summer Fest 2026 is a three-day community festival hosted by the Potsdam Chamber of Commerce that transforms Downtown Potsdam into a hub of live music, food, vendors, and family-friendly activities. Thousands of residents and visitors gather to enjoy local performers, artisan and craft vendors, food trucks and eateries, children’s entertainment, community showcases, and special downtown promotions.
Education
Teaching Kids to Budget
Teaching kids to budget is like teaching them how to ride a bike. You could be as involved as you’d like, or you could let them learn on their own. One way or another, your kids will create their own financial habits just like they could learn to ride a bike eventually.