Keeping Your Account Secure: Protecting your information is our top priority. Some individuals may try to contact you pretending to be AmeriCU representatives. We will never request your account number, password, or personal details outside of our secure channels. If you're unsure about a call or message, hang up and contact us at 800-388-2000. Always access your account safely at www.AmeriCU.org.
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.
Celebrate AmeriCU’s 75th anniversary with great products, stories and more!
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!
AmeriCU is a proud member of the CO-OP Network. Get access to nearly 30,000 surcharge-free ATMs and over 5,000 Shared Branch locations nationwide!
Learn more about some exciting things happening at AmeriCU and in our local community with our latest news and events stories!
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!
Connect with low-risk earning potential! Time is money – let’s make the most of the next six months.
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!
*Annual Percentage Yields (APYs) current as of 11th November 2025 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.
When requirements are met, we will refund up to $25 of foreign ATM fees each monthly statement cycle in one lump sum.
Our monthly statement cycle ends on the last day of each month and statements are generated on the first day of each month. There are no rollover transactions. There is no minimum balance required to open or maintain this account. There is no monthly fee. Fees could reduce earnings. There is a limit of three AmeriCU High Rate or Rewards Checking accounts allowed per member. Courtesy Pay is available to those who qualify.
***Terms and Conditions:
–Both you and your referral must meet the required criteria (e.g., opening a new account, making qualifying deposits) within 60 days of account opening to receive the reward.
–Bonuses may constitute reportable income for tax purposes. HSA Checking accounts are not eligible for the referral bonus.
–The bonus credit will be applied at day 61, if the requirements are met.
–The program is subject to change based on AmeriCU’s policies and system updates.
–Equal Housing Lender – Federally insured by NCUA – Membership restrictions apply.
–The referral program is open to anyone who is not already listed on an AmeriCU account as a joint account owner or a prime owner.
Program Validity: This program may be discontinued at any time. However, individuals who have been referred prior to discontinuance will be permitted to complete their 60-day period.
By participating in the Member Referral Program, you acknowledge and agree to the terms and conditions outlined above.
^Applications subject to credit approval. Offer valid on new and used auto, motorcycle, power sports, residential equipment, marine, and Paysaver auto loans. Recreational Vehicle (RV) loans not included. Maximum loan term varies by loan type, but not to exceed 96 months. Interest begins accruing on date loan is opened and will be amortized over the monthly payments. AmeriCU loans are eligible for refinance with minimum $1,000 cash out/disbursement required. To be eligible for no payments for 90-days, automatic payments from an AmeriCU account are required. Programs, rates, terms and conditions subject to change without notice. Loans subject to credit approval. Other restrictions may apply. Offer expires 12/31/25. Membership eligibility is required. Insured by NCUA.
