AmeriCU: Live life, dream big, and achieve financial success.
COVID-19 Updates & Information
Banking Services, including AmeriCU, are essential services to the community. We, like grocery stores and medical facilities, are exempt from workforce reduction mandates from New York State. We are here for you and will continue to remain open and serving you. And, even in these uncertain times, you can be assured that your money is still safer in your AmeriCU accounts than anywhere else. We will remain open for you, helping you live life, dream big, and achieve financial success.
More information about AmeriCU and COVID
Auto Loans from AmeriCU
No payments for the first 90 Days! When you refinance your auto loan or open a new loan for a new or used vehicle you enjoy the first 90 days – payment free.* And you’ll always get great rates and excellent service. *Terms and conditions apply.
Learn More about Auto Loans from AmeriCU.
Home Equity Line of Credit
Your home is your greatest asset – put it to work for you! Take advantage of the equity in your home with a Home Equity Line of Credit from AmeriCU, now with an introductory rate as low as 1.99% APR* for 6 months! After that, your rate will be 2.75% APR* to 5.75% APR*.
Learn more about a Home Equity Line of Credit.
*APR = Annual Percentage Rate. Click for full offer details and disclosures. Terms and conditions apply. Equal Housing Lender.
In Our Community
Local. Since 1950. We’re local and proud to be part of the communities we serve. Learn more about our community involvement.
Current Rates
Click on rate below to view terms & disclosures
Notifications
NOTIFICATION: The Cazenovia Financial Center is temporarily closed. If you need assistance, please contact our Member Service Center at 1.800.388.2000. We apologize for any inconvenience.
NOTIFICATION: Due to routine maintenance, access to online & mobile banking and TeleLink may be unavailable and ATMs and Kiosks may have limited functionality on Tuesday, June 16 and Thursday, June 18 from 6:30PM to 8:30PM. Please contact our Member Service Center at 1.800.388.2000 if you need any assistance. We apologize for any inconvenience this may cause.
NOTIFICATION: Online & mobile banking is currently experiencing issues with Account Details. Service will be restored as soon as possible. Please contact our Member Service Center at 1.800.388.2000 or visit your local Financial Center if you need any assistance. We apologize for any inconvenience this may cause.
: AmeriCU lobbies are reopening.Or make an appointment.
NOTIFICATION: AmeriCU lobbies are re-opening. Click here for the latest information Or make an appointment.
NOTIFICATION: Select AmeriCU Financial Centers have reopened and will resume operation with restrictions. Refer to our COVID-19 page or the IRS website for more information on stimulus funds.
NOTIFICATION: AmeriCU Financial Centers in Auburn, Cazenovia, Cortland, Herkimer, Lowville, and Watertown have reopened and will resume operation with restrictions. Remaining AmeriCU Financial Center Drive-Thrus, ATMs, and Kiosks are open and available. Walk-in teller transactions are not available and in-person meetings are by appointment at these locations. Refer to our COVID-19 page or the IRS website for more information on stimulus funds.
NOTIFICATION: Due to high call volumes, please expect longer than usual delays when contacting our Member Service Center. Refer to our COVID-19 page or the IRS website for more information on stimulus funds. All AmeriCU Financial Center Drive-Thrus, ATMs, and Kiosks are open and available. Walk-in teller transactions are not available and in-person meetings are by appointment only at all locations.
NOTIFICATION: All AmeriCU Financial Center Drive Thrus, ATMs, and Kiosks are open and available for transactions. This includes our Fort Drum location. Walk-in teller transactions are not available and in-person meetings are by appointment only at all locations. Click here for the latest information
NOTIFICATION: To protect our members and employees from the spread of the coronavirus, our Fort Drum Financial Center is temporarily closed. All ATM, kiosk, drive thru, and night deposit services at this location are suspended. Please visit our Watertown location for drive-thru, shared branching, and ATM access. Our Member Service Center is available at 800.388.2000. Please visit www.americu.org frequently for updates. All other AmeriCU Financial Center Drive Thrus, ATMs, and Kiosks are open and available for transactions. Walk-in teller transactions are not available and in-person meetings are by appointment only. Click here for the latest information