Real Connections Matter Membership

Real Connections Matter

Have you heard? AmeriCU members save more, Earn more,

And have more ways to stay connected than ever before!

Because at AmeriCU? We’re all about real connections.

Online, in-person, and everywhere in between.

Eligibility to Join AmeriCU

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 American Consumer Council (ACC).
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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

Join AmeriCU for the Credit Union Difference

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.

Proud to serve 24-counties!

We’ve expanded our field of membership to include 15 new counties across the North Country, Mohawk Valley, Central New York, and Southern Tier communities!

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Let's Connect

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.

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

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Real Connections Matter

AmeriCU has everything you need to connect you where you are with where you want to be.

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.