Red Alert AmeriCU Holiday Closure Notice: AmeriCU will be closed on Saturday, May 23rd, and Monday, May 25th in observance of Memorial Day. You can still access your accounts anytime through Online & Mobile Banking, Use our surcharge-free ATM Network and Interactive ATMs, and Get support by visiting AmeriCU.org and clicking “Let’s Connect” in the bottom right corner. Thank you for being a valued member! Close

Membership

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:

Promo Image

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:

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 AmeriCU Charitable Foundation.

Promo Image

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.
Let's Connect

Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!

You may also be interested in

Feature Image

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.

Feature Image

News

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

Feature Image

Real Connections Matter

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


Latest From AmeriCU

news image

News

May 19, 2026

AmeriCU Credit Union Celebrates Grand Welcoming of Financial Centers in Clinton and Essex Counties

AmeriCU Credit Union celebrated the grand welcoming of its Financial Centers in Clinton and Essex Counties on Thursday, May 14, with a day of community activities, refreshments, giveaways, and a ribbon cutting celebration held at the Peru Financial Center.

Home Buying 101 Seminar

Events

May 26, 2026

AmeriCU’s Home Buying 101 Seminar

Learn more about the home buying process, the mortgage options available to you, the programs you may qualify for, the insurance you’ll need, and how AmeriCU’s mortgage app keeps you connected from application through closing.

education image

Education

Apr 10, 2026

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.