Saving for your long, medium, or short-term retirement needs.
Retirement savings accounts are one of the best savings tools available today, with great rates, increased contribution limits, and increased portability of assets between plan types. More people than ever before are now eligible to take advantage of the incredible tax advantages available. Even better, traditional retirement savings contributions are tax-deductible for many, consult your tax advisor. Over time, these special tax features can result in significantly more savings than typical savings accounts.
Traditional IRA
Allows you to invest money and pay no taxes on the money you invest until you withdraw it. With no minimum contribution required, this type of account might be best for those who do not have a workplace retirement plan, or those who are beginning to build their retirement funds.
Roth IRA
You’ll pay tax on the money you invest, but no tax when it comes time to withdrawal. Also with no minimum contribution required, this type of account works best for those who are beginning to build their retirement savings and expect to be in a higher tax bracket at the time they’ll be withdrawing funds.
Coverdell Education Savings Account
Allows you to invest money solely to pay for qualifying education expenses like tuition, books, and equipment. With no minimum contribution required, this type of account works best for those looking to exclusively save for grade school, high school, or continuing college expenses.
FINANCIAL PLANNING
AmeriCU Investments offers a full range of financial planning services to help you plan, save, invest for retirement, and to leave a financial legacy.
Wealth Management Calculators
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Share Certificates
AmeriCU’s share certificates are some of our highest yield deposit options. You’ll enjoy great rates, a wide variety of terms, and the freedom of investment flexibility.
Student Loans
AmeriCU is proud to partner with Student Choice to offer options to pay for college or refinance your current student loans.
Financial Planning
If growing funds is your goal, investing may be the right path for you. Let AmeriCU Investments’ Financial Professionals work with you to plan for life’s biggest moments and the goals you have for your financial future.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
What Does AmeriCU’s Field of Membership Expansion Mean for Members?
AmeriCU’s recent Field of Membership expansion into 27 additional New York counties creates new opportunities to increase convenience, access, and community investment for current and future members. The growth supports continued investments in technology, security, member services, and local partnerships while maintaining AmeriCU’s commitment to personalized service and financial success.
Events
Friends of Fillmore Glen’s Filmore Days and Bathtub Races – August 6, 2026
Friends of Fillmore Glen’s Fillmore Days and Bathtub Races is a fun, family-friendly festival held at Fillmore Glen State Park featuring live music, food, vendors, and activities for all ages. The highlight is the crowd-favorite bathtub races, where creatively decorated bathtubs on wheels race for bragging rights in a lively and entertaining competition.
Education
A Guide to Student Loans and Financial Aid
Learn about federal and private student loan options, including key differences, costs, and repayment strategies. This guide provides the information you need to make confident borrowing decisions and help finance your education.