Save more on your own terms
Whether you’re saving for a short-term goal, or you just want to make sure the savings you do have is earning you the most interest while you save it, an AmeriCU Share Certificate is a safe and secure way to grow your savings, and with terms that fit your schedule, your money is never far when you need it.
4.00% APY* Share Certificates
Get 4.00% APY* on 3, 6, 12, and 18‑month share certificates, giving you the freedom to choose a term that truly fits your financial plans. It’s a good way to take advantage of a great rate without having to compromise on timing or convenience.
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18-Month Special – 4.00% APY**
Want to lock in your money for longer? Earn more while you save over the next year and a half with this special – for a limited time only!
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Better Rates
Our Share Certificates offer some of our highest yield deposit options, you’ll earn more when you save more.
Greater Flexibility
With a variety of terms and rates available, Share Certificates offer you several options to invest your savings how you see fit.
Set Terms
Since you can’t access your funds until the maturity date, you’ll avoid the temptation to withdraw early.
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Money Markets
High earning potential and greater flexibility make Money Markets a great, low-risk choice for building savings. It’s like a Share Certificate except you can keep making deposits into the account.
Retirement Savings Accounts
Enjoy a variety of investment options to meet long, medium, or short-term retirement needs with an Retirement Savings Account, more commonly known as an Individual Retirement Arrangement, or IRA. AmeriCU offers both Traditional and Roth IRAs as well as Coverdell Education Savings Accounts.
Financial Planning
If growing funds is your goal, investing may be the right path for you. Let AmeriCU Investments’ Financial Professionals work with you to plan for life’s biggest moments and the goals you have for your financial future.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
Randy Barnard II Joins AmeriCU Credit Union as Liverpool Financial Center Manager
AmeriCU Credit Union is excited to welcome Randy Barnard II as Financial Center Manager at their Liverpool Financial Center located at 7474 Oswego Road. With more than 20 years of experience in the banking industry, Randy brings extensive knowledge, leadership experience, and a strong commitment to serving members and supporting staff.
Events
Home and Garden Show – Day 1
Every spring, the Home Builders & Remodelers of Central New York, transforms 54,000 square feet of the New York State Fair, Expo Center into a professionally decorated showroom that showcases everything related to residential living.
Education
Debt Repayment
One way to maximize your finances is by paying down your existing debt. Watch as Gabe learns how to take charge of his money and repay his debts.
*Annual Percentage Yields (APYs) current as of 22nd March 2026 and are subject to change without notice. Minimum balance of $500 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
**Annual Percentage Yields (APYs) current as of 22nd March 2026 and are subject to change without notice. Minimum balance of $500 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Cannot be combined with any other offer. Membership eligibility is required. Insured by NCUA. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate.