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.
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
We serve over 200,000 members with 24 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.
News, Events, and Education
Take a look at some exciting things happening at AmeriCU and in our local community!
Governance
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.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
Beyond Banking: Exclusive Perks for Business Partner Employees
AmeriCU’s Business Partnership Program goes beyond traditional business banking by offering employees exclusive financial benefits, wellness resources, and one-on-one support. Help your team build a stronger financial future at no cost to your business.
Events
Gouverneur Breast and Ovarian Cancer Fund Walk
The Gouverneur Breast and Ovarian Cancer Fund Walk is a meaningful, community-driven event held at Gouverneur Village Park, bringing residents together for a one-mile, non-competitive walk in support of those affected by cancer. The morning includes registration, a heartfelt ceremony, and the walk itself, creating a supportive and uplifting environment focused on awareness and hope.
Education
Home Equity Loans and Home Equity Lines of Credit
Learn how homeowners can use their home equity through a Home Equity Loan or Home Equity Line of Credit (HELOC). This course explains the differences, requirements, benefits, and risks of each option to help you make informed borrowing decisions.