VISA® Business Credit Cards
- No annual fee
- Credit lines as high as $25,000
- Competitive rates
- Business Rewards
- One card per employee, per account at no charge
- Set cash withdrawal and purchase limits
Business Lending
Business Loans, Lines of Credit, Credit Cards & Real Estate
When it comes to managing your business, you need a financial partner who will sit down and discuss solutions to help your business thrive. AmeriCU’s Commercial Loan Officers will help guide your business’s credit strategy. Whether you are consolidating high interest loans, expanding inventory, purchasing a delivery vehicle, protecting your checking account, refinancing property, purchasing an apartment complex, or expanding or relocating your business, AmeriCU is here to help.
AmeriCU’s Commercial Lenders will help guide you through the mortgage or lending process. And, our community focus and local decision making is complemented by competitive rates, flexible terms, exceptional service, and quick approvals.
AmeriCONNECT Visa Business Rewards
All AmeriCONNECT Visa® Credit Cards feature great, low rates, contactless payment, and zero liability from fraud, making them the perfect card for your everyday business needs!
- 0% Intro APR for 12 months on purchases and on balance transfers made within the first 60-days.
- 17.40% -17.99% Variable APR*
- Earn 1 reward point per dollar!
- Earn 10,000 bonus reward points when you spend $500 in the first 90-days!*
- Learn more about AmeriREWARDS
- Credit lines from $500-$30,000
- View the AmeriCONNECT Visa Business Rewards Agreement.
Interested? Let’s Connect! A member of AmeriCU’s Commercial Lending Team can get you started on an application for a new AmeriCONNECT Visa Business Rewards Card. Get started now.
Lending Solutions for All Your Business Needs
Applying is easy! Just contact a Commercial Loan Officer, visit your local AmeriCU Financial Center.
Commercial Vehicle Loans
- No annual fees
- No maintenance fees
- Loan amounts as high as $100,000
- Loan to value up to 100%
- Terms up to 7 years
- Financing for cars, pickups, vans, and SUVs (no fleet vehicles)
Contact us for current rates and more information.
Unsecured Term Loan
- No annual fees, and no maintenance fees
- Loan amounts as high as $500,000
- Start-up Businesses may qualify for up to $50,000
- Terms up to 10 years
Overdraft Line of Credit
- No annual fees
- Credit lines as high as $10,000
- Simply link to your business checking account
- Automatic advances to cover overdrafts
Contact us for current rates and more information.
Commercial Working Capital Lines of Credit
- Great for short-term working capital needs
- Credit lines as high as $1 Million
- Interest-only payments
Contact us for current rates and more information.
Real Estate Mortgage
- Owner and Non-Owner Occupied
- Loan amounts as high as $15 Million
- Amortizations up to 25 years
- Loan-to-Value as high as 85%
- Participation Loan Opportunities
Contact us for current rates and more information.
Construction and Development Real Estate
- One loan closing
- Loan amounts as high as $15 Million
- Draw periods up to 24 months
- Permanent Loan Amortizations up to 25 years
- Loan-to-Value as high as 80%
- Participation Loan Opportunities
Contact us for current rates and more information.
Term Loans
- Loan amounts as high as $1 million
- Amortizations up to 15 years
Desiree Derby
Small Business Relationship Manager
Phone: 800.388.2000 ext. 6247
More from AmeriCU
Insurance
We’re here to protect your business, work directly with you and for you, and help evaluate the risk exposures specific to your commercial investment. Learn more about commercial insurance.
Financial Wellness
Your employees face important financial decisions every day. Give them the tools they need to be prepared! Learn more about financial wellness.
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To us, community means giving back whenever and wherever we can. It means we love where we live just as much as you do. It means your success is our success. Learn more about our community involvement.
*0% Introductory APR is valid on purchases made within the first 12-months and balance transfers made within the first 60-days of card opening. Offer is not valid on existing cards or balance transfers made from existing AmeriCU credit cards or loans. When the introductory period expires, APR will revert back to the Standard APR. Standard APR may vary and is based on adding a margin to the Prime Rate. Standard APR will not exceed 17.99% APR. A 3% balance transfer fee will be applied to any balance transfers made within the first 60 days of account opening. The APR range for purchases and balance transfers following the introductory period is 17.40%-17.99%. Rates are determined by creditworthiness and other factors at time of application. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July, and October) and changes are effective as of the first date of your next billing cycle. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee is $10.00 or 3% of the amount of each cash advance, whichever is greater. 10,000 Bonus Reward Points applied when $500 is spent in the first 90-days.