AmeriCU’s journey began in 1950, when it was first established as the Griffiss Employees Credit Union at Griffiss Air Force Base in Rome, NY. It was originally chartered to serve only civilian members, but as its membership grew, the credit union expanded to include military personnel. This growth led to…
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The 1980s were a period of rapid expansion as the Credit Union expanded its reach through collaboration. In 1985, Griffiss-Oneida Federal Credit Union merged with DeWitt First Federal Credit Union in Syracuse to form Up State Federal Credit Union. In 1987, Up State FCU launched its first Credit Card program,…
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The millennium brought a major transformation. In 2000, Up State Federal Credit Union transitioned from a federal charter to a New York State community-chartered credit union, expanding its membership eligibility to serve a broader range of members across the state. With the charter conversion came the name change to AmeriCU…
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The 2010s were a decade of innovation, expansion, and national recognition. In 2010, AmeriCU introduced Member Business Services, supporting and providing essential financial solutions to small businesses and entrepreneurs who are the backbones of our local communities. In 2012, AmeriCU sponsored its first Salute to the Troops Tribute Concert at…
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The 2020s were a time of rapid change. Though the pandemic may have transformed the world as we knew it, AmeriCU remained focused on doing what we do best – being there for our members, our employees, and the communities we serve, especially in times of need. We stayed the…
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As we look ahead, AmeriCU Credit Union remains committed to progress, innovation, and making a lasting impact in the lives of our members. We will continue to remodel our Financial Centers to create more modern, welcoming spaces that enhance the member experience. We will embrace new technologies to provide smarter…
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This dividend-bearing checking account is designed for those who maintain a higher balance and are looking to earn more on what they have. With our 7.00% APY and numerous other perks, your balance will work harder for you.
For a limited time, enjoy an exclusive 0.75% discount^ on new or used auto, motorcycle, or recreational vehicle loans to help you hit the road in style! Plus, take advantage of an additional 0.25% off when you set up automatic payments from an AmeriCU Checking account. That’s a total of 1.00% off our already competitive rates!
Already have an AmeriCU auto, motorcycle, or recreational vehicle loan? You can still save with an extra 0.75% off when you refinance today! Need cash? Take advantage of our cash-out refinancing^^ option and still qualify for this great rate discount!
Don’t miss out – Apply today and start saving!
AmeriCU Credit Union is celebrating its 75th anniversary by giving back to members for making this milestone possible.
In 2025, AmeriCU Credit Union proudly celebrates 75 years of serving its members.
On Monday, March 10, AmeriCU Credit Union held its 75th Annual Membership Meeting, celebrating all the successes the credit union.
AmeriCU High Rate Checking Account Disclosures
*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.
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.
**If you are an AmeriCU Checking, Savings or Money Market accountholder that has set up a direct deposit with a payor, you may qualify for direct deposit one business day early. Whether a direct deposit is eligible is at our discretion and we cannot guarantee that you will always receive the one-day early service.
***When requirements are met, we will refund up to $25 of foreign ATM fees each monthly statement cycle in one lump sum.
^APR=Annual Percentage Rate. Discount valid on new and used recreation, marine, and residential equipment loans. Existing AmeriCU loans are eligible for refinance with minimum $1,000 cash out/disbursement required. Maximum loan term 84-months. Rates and terms based on credit history and are subject to change. A typical auto loan of $20,000 at 5.74% APR would have 48 monthly payments of $467.32 each month, with total repayment of $22,431.36. Rates valid as of 4/1/25. Extra .25% off valid with automatic payments from AmeriCU checking account. Loans subject to credit approval. Other restrictions may apply. Offer ends 6/30/25.
^^Valid on cash out refinance of existing AmeriCU loans. Minimum cash out of $1,000. Automatic payments from an AmeriCU checking account required for the additional .25% off.
