4.11.14 SECURITY UPDATE – “Heartbleed” Bug

AmeriCU has tested our systems exhaustively and we have confirmed that NO systems that contain sensitive member information are vulnerable to the “Heartbleed Bug”. Learn More>>>

Be smarter with your money...bring it to AmeriCU!

AmeriCU is a not-for-profit credit union owned by members like you. We offer the same products and services as a bank (plus insurance and financial planning) – but with low or no fees, and better rates. Founded in 1950, today AmeriCU has grown to more than 100,000 members and more than $1.28 billion in assets.

Not a member? Not a problem! Open an AmeriCU account with just $5 if you live, work, worship, or attend school in Central or Northern New York. Just call or stop by any of our 18 offices, and you’ll see that we treat you like a member, not a number. After all, that is our goal: to deliver such exceptional, personalized service that you wouldn’t dream of going anywhere else for your financial services! Join Today »

Federally insured by NCUA.

News & Events

  • Help AmeriCU Credit Union Change a Child’s Life
    May 30, 2014
    AmeriCU Credit Union is participating in Change a Child’s Life, a coin drive with all proceeds benefiting local Children’s Miracle Network Hospital(s). Learn more »
  • AmeriCU at the Watertown Area Heart Run/Walk: April 26th
    April 26, 2014
    Join us at the Watertown Area Heart Run/Walk at the Fairgrounds Arena Saturday, April 26th 8AM-1PM in Watertown! AmeriCU is proud to be a sponsor of this event, and will be present at the event with a team. Learn more »
  • AmeriCU at the Rome Home Show: April 26th - April 27th
    April 26, 2014
    Join us at the Rome Home Show April 26th-April 27th at JFK Arena in Rome! AmeriCU will have representation to answer questions on mortgages and all our financial services. Learn more »
View All News & Events »

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AmeriCU has a 2.89 APR Home Equity Loan with NO Closing Costs!! I <3 AmeriCU! — learn more »

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Find a Great Deposit Rate

Saving Checking CD
Share Savings
Min. Bal. APY* Dividend Rate
$50 - $999.99 0.100% 0.100%
Holiday & Vacation Clubs
Min. Bal. APY* Dividend Rate
$50 - $999.99 0.100% 0.100%

*Annual Percentage Yield (APY)

Prestigious Checking
Min. Bal. APY* Dividend Rate
$25,000 and up 0.400% 0.399%

*Annual Percentage Yield (APY)

32 - 89 Day Certificate
Type Min. Bal. APY*
Core $ 1,000 0.100%
60 - 72 Month Certificate
Type Min. Bal. APY*
Core $ 500 1.600%

*Annual Percentage Yield (APY)

Find a Great Loan Rate

Loan Credit Card Home Equity Mortgage
New Vehicle Loans 2.75%
Used Vehicle Loans 3.00%
Smart Line of Credit 9.75%

*Annual Percentage Rate (APR)

Platinum VISA 7.90%
VISA Gold 10.90%
Classic VISA 13.90%

*Annual Percentage Rate (APR)

Term APR*
Home Equity Installment Loan 60 months 2.89%
Home Equity Installment Loan 120 months 3.99%
Home Equity Installment Loan 180 months 5.25%

*Annual Percentage Rate (APR)

30 Year Fixed Rate Conventional 4.397%
15 Year Fixed Rate Conventional 3.415%

*Annual Percentage Rate (APR)

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