Independence Day Holiday Hours: AmeriCU Financial Centers will be closed Saturday, July 4 in observance of Independence Day. All AmeriCU Financial Centers and offices will be open regular hours on Friday, July 3.

Beginning Tuesday, June 16 through Tuesday, July 14, CSP (a division of Deluxe Corp.) will be conducting AmeriCU’s 2015 Virtual Channels and TeleLink Survey. These surveys will be conducted by making telephone calls to a select number of AmeriCU members. Learn more >>

REMINDER: whenever you receive a new credit or debit card with new account number or expiration date, update your credit or debit card information with vendors (Netflix, subscriptions, etc.) and BillPay to avoid late payments and/or interruption of these services.


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

  • 42nd Annual World Series of Bocce Tournament
    July 16, 2015
    The World Series of Bocce Tournament is a 4-day, signature event that attracts over 120 teams and thousands of spectators. Learn more »
  • Liverpool is the Place Concert Series
    June 22, 2015
    Join AmeriCU Credit Union at Johnson Park in Liverpool on Monday, June 22nd from 7pm-9pm to listen to The Coachmen, a great band playing Oldies and R&B. Learn more »
  • 2015 Virtual Channels & TeleLink Surveys
    June 16, 2015
    Beginning Tuesday, June 16 through Tuesday, July 14, CSP (a division of Deluxe Corp.) will be conducting AmeriCU’s 2015 Virtual Channels and TeleLink Survey. Learn more »
View All News & Events »

Latest Video

AmeriCU "Beginnings" Auto Loan TV Commercial

It pays to get pre-approved at AmeriCU before you shop, so you know what your rate will be. Also, you'll be in the driver's seat, knowing how much you can afford and what you're willing to pay. Whether you're dreaming about a new car for a summer road trip with your family, hitting the open road with the top down on your new convertible, heading across the country in your RV, or feeling the breeze in your hair while you ride your new motorcycle - AmeriCU has a great rate for you.
learn more »

Your Privacy is Important

We have your best interest at heart when it comes to banking securely with us. Learn more »

Online Banking & BillPay

Enroll in Online Banking Today »

Mortgage Login

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 1.600%

*Annual Percentage Yield (APY)

Find a Great Loan Rate

Loan Credit Card Home Equity Mortgage
New Vehicle Loans 1.99%
Used Vehicle Loans 2.99%
Smart Line of Credit 9.75%

*Annual Percentage Rate (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)

30 Year Fixed Rate Conventional 4.367%
15 Year Fixed Rate Conventional 3.423%

*Annual Percentage Rate (APR)

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