For every day. For every thing.

As a credit union, AmeriCU is a not-for-profit financial institution owned by our members. Serving nine counties in Central and Northern New York, AmeriCU provides you with all the products and services you need – often with low or no fees, and better rates. The organization been serving the local community for over 65 years and, in that time, have grown to more than 140,000 members, 19 locations, and $2 billion in assets. Learn more about our locations.

Open an AmeriCU account with just $5 if you live, work, worship, or attend school in Central or Northern New York, or you or a member of your family is on active-duty, in the reserves, or a veteran of the U.S. military . Join Today!


Nationally Recognized for Excellence

AmeriCU is proud to have been chosen as one of the best credit unions in New York State by Forbes Magazine! Their second annual list of America’s Best Credit Unions In Each State ranks AmeriCU fourth overall in New York State. AmeriCU is the only credit union in Central and Upstate New York to have been included in the esteemed list.

“We’re proud to be recognized by Forbes,” said Mark Pfisterer, former President/CEO of AmeriCU. “It is our vision to provide our members the right financial services to live life, dream big, and achieve financial success and has been for almost 70 years. This honor reinforces that commitment to our members and the communities we serve.”

Forbes 2019 Best-In-State Credit Unions Powered by STATISTA

Checking & Savings Options

Whatever your goals, AmeriCU has an account for you! Our checking and savings accounts are federally insured by NCUA. Your membership with AmeriCU begins with a Share Savings Account! Or, choose to save with our Money Market Accounts, Holiday & Vacation Clubs or Youth Savings Accounts for members under 18. Whether you need free checking, an account that earns dividends, or even a fresh start, AmeriCU has the right checking options to fit your needs! Most AmeriCU checking accounts feature FREE Direct Deposit, a NO-fee VISA® debit card, online & mobile banking, and more. Learn more about your checking and savings options.

Father Holding Newborn Baby Son In Nursery

Local. Since 1950.

To us, community means giving back whenever and wherever we can. It means we love where we live just as much as you do. It means your success is our success. Learn more about our community involvement.

140,000+ Members

Every day, AmeriCU helps over 130,000 people achieve financial success. If you (or a relative or household member) live, work, worship, or attend school in Central or Northern New York, we can help you, too! Find out how you can qualify for membership and join today!

Over 500+ Fee Free ATMs for Members

AmeriCU members enjoy the convenience of a network of over 500 fee-free ATMs! In addition to traditional ATMs, AmeriCU also has BIG BLUE kiosks where members can perform most routine banking transactions 24/7. Find an ATM.

Convenient Locations All Over Central and Northern New York

AmeriCU is where you are. Whether you’re in Herkimer, Oneida, Madison, Lewis, Jefferson, Oswego, Onondaga, Cayuga, or Cortland County, AmeriCU is your local credit union. Call our Member Service Center at 800.388.2000, visit your local financial center, or open an account online and join today to get started living your life, dreaming big, and achieving financial success! Find your financial center.

Photo of hanging AmeriCU building sign

Holiday Closings

  • New Year’s Eve
    Tuesday, December 31, 2019
    (close at 1:00PM)
  • New Year’s Day
    Wednesday, January 1, 2020
  • Martin Luther King Jr. Day
    Monday, January 20, 2020
  • President’s Day
    Monday, February 17, 2020
  • Memorial Day
    Saturday, May 23, 2020
    Monday, May 25, 2020
  • Independence Day
    Saturday, July 4, 2020
  • Labor Day
    Saturday, September 5, 2020
    Monday, September 7, 2020
  • Columbus Day
    Monday, October 12, 2020
  • Veterans Day
    Wednesday, November 11, 2020
  • Thanksgiving Day
    Thursday, November 26, 2020
  • Christmas Eve
    Thursday, December 24, 2020
    (close at 1:00PM)
  • Christmas Day
    Friday, December 25, 2020
  • New Year’s Eve
    Thursday, December 31, 2020
    (close at 1:00PM)
  • New Year’s Day
    Friday, January 1, 2021