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 $1.29 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

  • Enroll in eStatements for your chance to win a GREEN WEEKEND!
    February 27, 2015
    ALL members enrolled in eStatements by March 2nd will be eligible to win a "GREEN WEEKEND" in Syracuse! Learn more »
  • Changes to Nice N Easy ATMs
    February 26, 2015
    As you may know, many of the Nice ‘N’ Easy stores were recently purchased by Cornerstore, Inc./CST Brands. Learn more »
  • U.S.P.S. Changes: Local First Class Mail Now Two-Day Delivery
    February 06, 2015
    As of January 2015, the United States Postal Service has made some changes which affect the time it takes your payment to reach AmeriCU. Learn more »
View All News & Events »

Latest Video

AmeriCU "Beginnings" Home Equity TV Commercial

If you’re a homeowner, you can borrow against the equity you’ve built up in your home for a variety of financing needs. AmeriCU offers both Home Equity Lines of Credit and Home Equity Loans at rates starting at 2.50% APR and no closing costs! Plus, the interest you pay on Home Equity financing may be tax-deductible. (Check with your tax advisor.) — 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 0.350% 0.349%

*Annual Percentage Yield (APY)

6 - 11 Month Certificate
Type Min. Bal. APY*
Core $ 1,000 0.300%
60 - 72 Month Certificate
Type Min. Bal. APY*
Core $ 500 1.450%

*Annual Percentage Yield (APY)

View All Rates » View All Disclosures »

Find a Great Loan Rate

Loan Credit Card Home Equity Mortgage
APR*
Used Vehicle Loans 1.29%**
New Vehicle Loans 1.29%**
New Vehicle Loans 1.99%**
Used Vehicle Loans 1.99%**
New Vehicle Loans 2.75%
Used Vehicle Loans 3.00%
Smart Line of Credit 9.75%

*Annual Percentage Rate (APR)

APR*
Platinum VISA Tier 1 7.90%
Platinum VISA Tier 2 (Formerly Gold) 10.90%
Platinum VISA Tier 3 (Formerly Classic) 13.90%

*Annual Percentage Rate (APR)

Term APR*
Home Equity Installment Loan 60 months 2.50%
Home Equity Installment Loan 60 months 4.25%
Home Equity Installment Loan 120 months 2.75%

*Annual Percentage Rate (APR)

APR*
30 Year Fixed Rate Conventional 3.867%
15 Year Fixed Rate Conventional 3.289%

*Annual Percentage Rate (APR)

View All Rates » View All Disclosures »

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