Big goals start with the right connection.
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.
3, 6, and 12 Month Share Certificates – 4.00% APY**
An AmeriCU Share Certificate is a safe and secure way to grow your savings, and with terms that fit your schedule!
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!
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!
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!
Connection matters — even when you’re on the go.
Current Rates
Latest From AmeriCU
News
AmeriCU Credit Union Celebrates National Volunteer Week with Regional Community Service Efforts
In celebration of National Volunteer Week, AmeriCU Credit Union employees rolled up their sleeves across Central New York, the North Country, the Mohawk Valley, and the Adirondacks to give back to the communities they serve.
Events
Syracuse Mets Most Improved Student Game – May 1, 2026
AmeriCU Credit Union proudly partnered with the Syracuse Mets to launch the AmeriCU Most Improved Student Program, celebrating student growth with on‑field recognition and a memorable ballpark experience.
Education
Teaching Kids to Budget
Teaching kids to budget is like teaching them how to ride a bike. You could be as involved as you’d like, or you could let them learn on their own. One way or another, your kids will create their own financial habits just like they could learn to ride a bike eventually.*APY = Annual Percentage Yield.
**Annual Percentage Yields (APYs) current as of 1st May 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.