Grow Where You Belong
Whether you’re building credit, buying a home, planning for college, or saving for something special – we’re here for all of it. We offer guidance, support, and financial tools that are built around you.
When You Join AmeriCU, You Get:
- Real relationships with people who care
- Access to 100+ financial services
- 24 counties served across New York
- Over 25 friendly local branches
- 30,000+ surcharge-free ATMs
- Full access to mobile + online banking
- A commitment to our community – over $800,000+ in annual giving and 2,000+ hours volunteered
Belonging Has Its Benefits
Being a member means more than access to great rates – it means having a financial partner who believes in your success.
Just a few reasons our members love belonging to AmeriCU:
- Rewarding Checking Accounts – Enjoy free checking with rewards or some of the highest dividend rates available.
- Get Paid Early – With direct deposit, access your paycheck up to a day sooner.
- Better Rates, Lower Fees – As a not-for-profit, we give back to you – with better loan rates and fewer fees than traditional banks.
- AmeriCONNECT Visa® Credit Card – Low rates, no annual fee, and amazing rewards.
- Military & First Responder Benefits – Exclusive discounts and products for those who serve – because your service deserves ours.
- Virtual Financial Center – Talk face-to-face with a real person, from wherever you are. Banking made personal, even from afar.
Become An AmeriCU Member
As a credit union, AmeriCU is a not-for-profit financial institution owned by the people who bank with us – our members! But – but we’re so much more than a bank! You’re eligible to join AmeriCU if:
- You live, work, worship, or attend school within AmeriCU’s field of membership, which includes 24-counties in central, southern, and northern New York
- You (or a member of your family) is on active duty, retired from service, in the reserves, or a veteran of the U.S. military
- You are employed by an AmeriCU Business Partner, Trade Group or Association
- You are an immediate family member of (or live in the household of) an AmeriCU member
- You are a Member of the AmeriCU Charitable Foundation.
Areas We Serve
While AmeriCU is everywhere you are with our Virtual Financial Center, our credit union is proud to serve the following 24 counties in New York:
Broome, Cayuga, Chenango, Clinton, Cortland, Essex, Franklin, Fulton, Hamilton, Herkimer, Jefferson, Montgomery, Lewis, Madison, Oneida, Onondaga, Oswego, Otsego, St. Lawrence, Schoharie, Seneca, Tioga, Tompkins, and Wayne
The Credit Union Difference
As a credit union, AmeriCU is a not-for-profit financial institution owned by the people who bank with us – our members – but we’re so much more than a bank! AmeriCU offers:
- Better rates, with fewer fees.
- Convenient loan options for everyone, no matter the need.
- Easy account access so you can connect wherever you are.
- Savings and checking products designed for your financial future.
- Real connections – available 24/7 when you need us. Online, in person, and everywhere in between.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
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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
Take a look at some exciting things happening at AmeriCU and in our local community!
Real Connections Matter
AmeriCU has everything you need to connect you where you are with where you want to be.
Latest From AmeriCU
News
Making Business Cash Work Smarter in Today’s Economy
In today’s economic environment, many businesses are holding more cash than usual — but not all of it is working as hard as it could. Our latest article explores the current business economy and why liquidity matters more than ever.
Events
Fulton Memorial Day Salute
The Fulton Memorial Day Salute is a long‑standing, family‑friendly celebration honoring military veterans and fallen heroes while showcasing local traditions at the Fulton Community Center and Recreation Park. Now in its 45th year, the event features a parade, Veteran of the Year recognition, live music, family activities, fireworks over Lake Neatahwanta, and more, with AmeriCU proudly serving as a sponsor.
Education
Teaching Kids to Budget
Teaching kids to budget is like teaching them how to ride a bike. You could be as involved as you’d like, or you could let them learn on their own. One way or another, your kids will create their own financial habits just like they could learn to ride a bike eventually.