Connect with everything you need to do more of the things you want.
A mortgage for your first home. A loan for your new business venture. An IRA for the retirement of your dreams. Whatever you’re ready to connect with—even if it’s just a real person to answer your questions—we’ll always be ready.
Apply for an AmeriCU Scholarship
AmeriCU Credit Union is happy to award 12 deserving students in high school, college, or vocational studies with a $1,000 scholarship.
The AmeriCU Savings Challenge is here!
The AmeriCU Savings Challenge is here to help you build better savings habits and achieve your financial goals in 2026.
Got a burning financial question?
Submit it below through our Ask AmeriCU form, and each month we’ll feature one question answered by an expert from our team.
Home Equity Loans + Lines
The equity in your home is at an all-time high, and with the low-rate environment, now is the perfect time to take advantage of a home equity solution!
Current News and Events
Learn more about some exciting things happening at AmeriCU and in our local community with our latest news and events stories!
Virtual Financial Center
Here, you can do nearly anything virtually that you can do inside one of our financial centers, including talking with a live member of our team!
Proud to Serve 24 Counties!
We’ve expanded our field of membership to include 15 new counties across the North Country, Mohawk Valley, Central New York, and Southern Tier communities!
We bank on personal experiences— even if we don’t see you in person.
Current Rates
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.*APY = Annual Percentage Yield.
**Annual Percentage Yields (APYs) current as of 16th 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 (APY) are current as of February 1, 2025 and the rate may change after the account is opened. Earn 7.00% APY on balances up to $10,000 and 0.15% to 7.00% APY on balances over $10,000 in your account by meeting the below three requirements:
1. Make 12 or more debit signature swipes per monthly statement cycle;
2. Be enrolled with eStatements;
3. Have a minimum $5,000 loan in good standing (not including credit cards or student loans. The rate is 6.00% APY without a qualifying loan.)
If you don’t meet the above requirements, you will earn 0.05% APY on balances up to $10,000, and 0.05% to 0.15% APY on balances over $10,000.
We pay dividends earned by your account at the end of each monthly billing cycle. This is a tiered account.
****Limited time offer for TurboTax 2026. Savings are on TurboTax federal products only. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’ trademarks or service marks are the property of their respective owners.