Other Loans

Auto Loans from AmeriCU

Rates as low as 2.49% APR* on terms up to 48 months! Apply today and get a loan decision fast (usually under an hour)! Our friendly, local staff will help you get the money you need, with great rates and low fees.

Don’t just dream about a new carAPPLY TODAY!

Other Loans

Play Hard…Pay Smart! Check out AmeriCU’s custom financing options on snowmobiles, motorcycles, marines, RVs, ATVs, jet skis, and trailers at truly excellent rates.  And you can get insurance coverage for all your new machines right here too – all at preferred member pricing. (Whether it’s brand new or new-to-you, we’ve got you covered!) APPLY>>

Loans For Members of the Military

Including Asset Recover Kit (ARK) Loans!

Personal Loans

We all have times when we could use a little extra cash. Whether you have an unexpected expense, need a vacation, or want to consolidate your debt, we have options that can help. With competitive, affordable rates, and several convenient payment options available, you can obtain financing quickly. Low cost disability and credit life insurance are also available. Credit cards are also available. We offer personal Signature Loans for borrowers age 18 and older. Borrowers may borrow $500 – $50,000 depending on your income and creditworthiness. Interest rates are based on your credit history and the term of the loan. A signature is required. APPLY>>

Student Loans

Whether you’re thinking of attending college yourself, or financing your children’s college education, you may be nervous, confused, or both! Completing the Free Application for Federal Student Aid (FAFSA) should always be your first step. Even if you don’t think you will qualify for aid, nearly everyone can qualify for at least some type of federal student loan. You should always try to maximize the contribution from these less expensive federal aid/loans, including Stafford Loans for students. But with tuition and fees on the rise and federal aid limits remaining relatively low, you may need some help filling the gap. That’s just what AmeriCU Credit Union Student Choice Private Loan Solution was designed to do. And since it is being offered through AmeriCU, you know that you’re getting a great deal with zero origination fees, lower rates and more flexible repayment options. Call 1.866.210.3876 today or visit our Student Loan Center to learn more and apply.

Certificate and Share-secured Loans

These are loans that are secured by the funds available either in your savings account or the CD of your choice (excluding IRA’s, Steady Saver CD’s, share drafts, escrow, or any shares secured for credit cards). A certificate secured loan allows you to borrow 100% of your certificate’s principal balance at 3.00% above the dividend rate being paid on the certificate. A share secured loan allows you to borrow 100% of your savings available balance at 4.00% above the dividend rate being paid on the share. With either loan, you will experience fast approval, peace of mind, and you can still earn dividends on funds that are secured. Please note:

  • The amount of the loan cannot exceed the amount of shares in the certificate
  • The loan term must be equal to or less than the certificate term
  • You can pledge your shares for yourself, your family and friends
  • To apply for a Certificate or Share-secured Loan, please visit your local Financial Center or contact our Member Service Center at 1.800.388.2000.


  • Current member? Login to online banking from our home page.
  • Current member without online banking? Learn how to sign up or apply here.
  • Not a member? Not a problem! Apply here.
  • Call 800.388.2000Monday-Friday, 9 AM to 5 PM.
  • Complete our printable loan application & stop by any of our conveniently located offices.

Make a Payment:
AmeriCU Loan Payments
P.O. Box 4179
Rome, NY 13442-4179

*APR=Annual Percentage Rate. Rates and terms are accurate as of January 21, 2019, and are subject to change without notice. Rates are determined by creditworthiness and underwriting factors at the time of application. A typical new auto loan of $20,000 at 2.49% APR would have 48 monthly payments of $438.20 each month, with total repayment of $21,033.11. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.