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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

  • 40th Annual Rome Home & Recreation Expo
    April 25, 2015
    Join us at the 40th Annual Rome Home & Recreation Expo April 25th-April 26th at JFK Arena in Rome! AmeriCU will have representation to answer questions on mortgages and all our financial services. Learn more »
  • North Country Heart Run/Walk
    April 25, 2015
    Join us at the North Country Heart Run/Walk at Jefferson Community College Saturday, April 25th from 8am-1pm! AmeriCU is proud to be a sponsor of this event and will be present at the event with a team. Learn more »
  • AmeriCU Wine & Chocolate Festival
    April 18, 2015
    Join us at the 7th annual AmeriCU Wine & Chocolate Festival on Saturday, April 18th 3PM to 9PM at the Utica Auditorium, Utica! The event will feature tasty treats, gifts, and samples from New York State wineries. 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 »

Your Privacy is Important

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

Online Banking & BillPay

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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 4.117%
15 Year Fixed Rate Conventional 3.289%

*Annual Percentage Rate (APR)

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