Welcome to AmeriCU! Explore More Possibilities With Your Credit Union

*Annual Percentage Yield (APYs) current as of 2/19/26 and are subject to change without notice. Minimum balance of $500 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Rate shown includes a one-time 0.50% rate bump that is available to members at our Peru, Keeseville, AuSable Forks, and Wilmington branches only. Members must enroll in eStatements within 15 days of certificate opening to receive rate bump. Offer expires 4/30/26. Cannot be combined with any other offer. Membership eligibility is required. Insured by NCUA.

**0.25% off the current interest rate of new and used auto loans, recreational vehicle loans, and marine loans with automatic payment from an AmeriCU High Rate or Rewards Checking Account. Offer available to members at our Peru, Keeseville, AuSable Forks, and Wilmington branches only. Maximum loan term 84-months for auto loans and recreational vehicle loans and 240 months for marine loans and rec loans. Applications are subject to credit approval. Offer ends April 30, 2026. Rates and terms based on credit history and are subject to change. Membership eligibility required. Insured by NCUA.

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.

****Applications are subject to credit approval. Offer valid until April 30, 2026 and applies only to fixed-rate home equity loans and home equity plus. Cannot be combined with any other offer. Fixed-rate home equity loans are available for primary and secondary/vacation residences in New York and Florida only. Home equity plus cannot be combined with certain types of active AmeriCU home equity or home improvement loans and are available for primary and secondary/vacation residences in New York only. Membership eligibility required. Insured by NCUA. Equal Housing Lender.

*****Offer valid until April 30, 2026. Cannot be combined with any other offer. Membership eligibility is required. Insured by NCUA. Equal Housing Lender.