Let AmeriCU help manage your business.
Managing customers, cash flow and expenses can demand a lot of your time. Spend less time managing your finances and more time connecting with your customers. Take a look at the account options available to you. Not sure what you need? Let’s connect you with an AmeriCU representative.
Business Share Certificates
6 Month Share Certificate – 4.00% APY*
*Annual Percentage Yields (APYs) current as of 20th August 2026 and are subject to change without notice. Minimum balance of $500 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
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Select Business Savings
- Interest bearing savings
- $0.01 minimum opening deposit
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Select Business Tiered Money Market
The liquidity you need with tiered rates – so the more you save, the more you earn.
- Interest bearing
- Tiered rates
- Access to your fund when you need it
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Business High Rate Checking Account
Earn 7.00% APY on your first $25,0001 – that’s one of the highest dividend rates available!
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Business Rewards Checking Account
Earn 1 point for every $5 spent on your business! Redeem your points for great rewards, like travel, gift cards, merchandise, or charitable giving!
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Business Freedom Checking Account
A convenient checking choice for any sized business.
- No minimum balance to open.
- No monthly maintenance fees.
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Business Deposit Account Perks
Easy Online Access
When you use Online + Mobile Banking, available on desktop or mobile through the AmeriCU app.
Greater Flexibility
We have accounts available that let you add money whenever you want, withdraw whenever you need, and the more you earn, the more you save.
A True Business Partner
At AmeriCU, you’re not just connecting with a credit union – you’re connecting with Chris! Or Ben and Brett, not a bank. We know you by name, and your business’ success is our success.
AmeriCONNECT Visa® Business Debit
Like your everyday debit card, the our business debit card lets you access funds directly from your business checking, business savings, or business lines of credit.
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Share Certificates
AmeriCU’s share certificates are some of our highest yield deposit options. You’ll enjoy great rates, a wide variety of terms, and the freedom of investment flexibility. With a fixed term and interest rate, a certificate can be issued in any dollar amount above the minimum deposit required
Money Markets
High earning potential and greater flexibility make Money Markets a great, low-risk choice for building savings. It’s like a Share Certificate except you can keep making deposits into the account, so as the balance increases, so does the interest rate, earning you more on your savings over time.
Business Credit Card
AmeriCU business credit cardholders enjoy competitively low rates, no annual fee, zero liability from fraud, the global access and acceptance of Visa®, and some pretty great benefits.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
Missed Our Debt Management Webinar? Watch the Recording On Demand
Our recent Debt Management Webinar provided practical tips for understanding debt, improving credit health, creating a budget, and exploring effective debt repayment strategies. Watch the recording to gain valuable insights and tools that can help you take control of your financial future.
Events
Johnson Park Center Back-to-School Event – August 21, 2026
The Annual Back-to-School Giveaway at the JPG Community Center provides backpacks filled with school supplies, dental hygiene items, and additional food support to local families. Held alongside the organization’s weekly food pantry, the event serves children and families across Oneida, Herkimer, Otsego, Madison, and surrounding counties, with a goal of assisting 2,500 students in 2026.
Education
Creating a Budget for Back-to-School Shopping
This course teaches the fundamentals of creating and managing a budget so you can better understand your income, expenses, and spending habits. By applying these budgeting strategies to back-to-school shopping, you can maximize your money and stay on track with your financial goals.