AmeriCU Then

AmeriCU Then

Our credit union was chartered in 1950 as the Griffiss Employees Credit Union. We operated out of a desk in the Headquarters Building at Griffiss Air Force Base in Rome, NY and serviced only civilian members. As we grew, our charter was amended to include military personnel and an expanded field of membership. We also increased the variety of products and services offered. We then became Griffiss-Oneida Federal Credit Union.

In 1985, Griffiss-Oneida Federal Credit Union merged with DeWitt First Federal Credit Union in Syracuse and our name was changed to Up State Federal Credit Union. In 1988, we merged with Fort Drum Federal Credit Union. Finally, in 2000 we transitioned from a federal charter to a New York State community chartered credit union and changed our name to AmeriCU Credit Union.

AmeriCU Now

AmeriCU Now

We serve over 160,000 members with 20 locations throughout Central and Northern New York. At AmeriCU, we believe today more than ever, real connections matter. Whether it’s connecting you with the right people to help you succeed, solutions to achieve your goals or modern technology to make banking easier, AmeriCU has everything you need to connect you where you are and where you want to be. In person, online or anywhere in between, we’re here to create meaningful connections that make you feel like you belong.

Not a member? Not a problem – you’re eligible to open an account with as little as one penny!

Credit Union Philosophy

Credit Union Philosophy

The concept and philosophy behind the credit union is a co-operative field of membership: one member one vote, education, and affordable credit – all still integral parts of who we are. AmeriCU works to embody the credit union philosophy of “people helping people” and cooperative ownership. Everything we do is for our members and our communities. It’s why we have lower loan rates, higher deposit rates, and support local charities and not-for-profit organizations.

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In Our Community

AmeriCU values the importance of giving back to the communities where we live and work, it is part of who we are.

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News, Events, and Education

Take a look at some exciting things happening at AmeriCU and in our local community!

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Each year at our Annual Meeting, the membership of the credit union votes for members who will serve as Directors on our seven member, all-volunteer Board of Directors.

Let's Connect

Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!

Latest From AmeriCU

AmeriCU News


Feb 13, 2024

AmeriCU Credit Union teams up with the Comets Hockey Team to bring family-friendly fun to the community

Join AmeriCU on Friday, February 23 at the Comets Hockey Game for an evening of family-friendly fun. This event will bring together fans, players, and the community for an evening filled with excitement and hockey.

Utica Comets Game Night


Feb 23, 2024

AmeriCU Game Night at Utica Comets

AmeriCU is excited to be the presenting sponsor for this home game. Make sure you stop by the AmeriCU table to say hi and receive a fun giveaway. 

Debt Consolidation


Jan 24, 2024

Debt Consolidation

If you have multiple loans or too much credit card debt, debt consolidation can help you manage your payments, help you save money over time, and possibly lower your interest rates. Debt consolidation can offer great benefits, but it can also come with risks.