About AmeriCU Credit Union - Local Since 1950. Join today!


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 150,000 members, 19 locations, and $2 billion in assets. Learn more about our locations.

Open an AmeriCU account with just a penny 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!


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.

150,000+ Members

Every day, AmeriCU helps over 150,000 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!

CO-OP ATM Network

AmeriCU‘s participation in the CO-OP ATM network means easier access and greater convenience wherever you happen to be! As our member, you can visit nearly 30,000 locations to conduct transactions, surcharge-free.

  • Discover ATMs from coast to coast, in all 50 states and multiple countries
  • Take advantage of the convenience of an ATM network larger than almost any bank in the country
  • Easily find a CO-OP ATM wherever you are—through any of our locator tools, including phone, mobile app and online

Find a surcharge-free CO-OP ATM right now at www.CO-OPatm.org or call 888.748.3266.

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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 Day 2022
    Friday, December 31 – close at 1PM
    Sunday, January 1, 2022
  • Martin Luther King Jr. Day
    Monday, January 17, 2022
  • President’s Day
    Monday, February 21, 2022
  • Memorial Day
    Saturday, May 28, 2022
    Monday, May 30, 2022
  • Juneteenth National Independence Day
    Monday, June 20, 2022
  • Independence Day
    Saturday, July 2, 2022
    Monday, July 4, 2022
  • Labor Day
    Saturday, September 3, 2022
    Monday, September 5, 2022
  • Columbus Day
    Monday, October 10, 2022
  • Veterans Day
    Friday, November 11, 2022
  • Thanksgiving Day
    Thursday, November 24, 2022
  • Christmas Day
    Saturday, December 24, 2022
    Monday, December 26, 2022
  • New Year’s Day 2023
    Saturday, December 31, 2022
    Sunday, January 2, 2023