PHONE SCAM ALERT: AmeriCU has received calls from members inquiring about calls they have received from 1.877.463.7786 and/or 1-877-464-6686 stating that their debit card has been placed on a temporary hold or is blocked. Both the number and phone calls are FRAUDULENT. We have initiated a takedown of the phone number and opened an investigation with the authorities.

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

  • 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 »
  • April is Credit Union Youth Month
    April 01, 2015
    AmeriCU is celebrating Credit Union Youth Month by encouraging children to save! Learn more »
  • AmeriCU at the Syracuse Area Heart Run/Walk
    March 28, 2015
    Please join us at the Syracuse Heart Walk at Onondaga Community College Saturday, March 28th to support the American Heart Association. 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 »


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 2.75%
Used Vehicle Loans 3.00%
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 3.867%
15 Year Fixed Rate Conventional 3.289%

*Annual Percentage Rate (APR)

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