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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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.

Join AmeriCU for the Credit Union Difference

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!

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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

Zoo Mobile AmeriCU


Sep 25, 2023

AmeriCU Credit Union invests in community engagement with Zoo New York’s Mobile  

AmeriCU Credit Union is excited to announce its support of Zoo New York’s Mobile to bring the wonders of the animal kingdom directly to our community. The Zoo Mobile offers a wide variety of educational experiences that allow the zoo to come to you.  

CMN Drawing


Oct 04, 2023

$100,000 Miracle Drawing to benefit CMN Hospitals at MVHS

Each year AmeriCU is a proud supporter of the $100,000 Miracle Drawing to benefit CMN Hospitals at MVHS which helps sick and injured children in our community.

Credit Scores and Reports


Sep 18, 2023

Credit Scores and Reports

Your credit can have a big impact on your financial life. Credit scores and reports provide a snapshot of the financial habits that financial institutions, cell phone companies, credit card companies, and others use to get a sense of your creditworthiness.