Current Rates
AmeriCU offers our members some of the highest deposit rates, lowest loan rates, and best service around! And with our MemberPlus program, you can get extra benefits from your membership!
*APR = Annual Percentage Rate. Rates and terms are accurate as of 1st October 2023, and are subject to change without notice. Rates are determined by creditworthiness and other factors at the time of application. Credit limits based on ability to repay. Credit Cards are not eligible for MemberPlus Relationship Pricing.
Learn more about MemberPlus.
**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% APR 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 16.15%-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. 20,000 Bonus Reward Points applied when $1,000 is spent in the first 90-days.
*APR = Annual Percentage Rate. Rates and terms are accurate as of 1st October 2023, and are subject to change without notice. Rates are determined by creditworthiness and other factors at the time of application. Credit limits based on ability to repay. Credit Cards are not eligible for MemberPlus Relationship Pricing.
**Rates are determined by creditworthiness and other factors at time of application. The Annual Percentage Rate (APR) for purchases and balance transfers is 15.90%. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater.
*APR = Annual Percentage Rate. Rates and terms are accurate as of 1st October 2023, and are subject to change without notice. Rates are determined by creditworthiness and other factors at the time of application. Credit limits based on ability to repay. Credit Cards are not eligible for MemberPlus Relationship Pricing.
Learn more about MemberPlus.
**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% APR balance transfer fee will be applied to any balance transfers made within the first 60 days of account opening. The APR for purchases and balance transfers following the introductory period is 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.
see full terms and disclosures
*APR = Annual Percentage Rate. Rates and terms are accurate as of 1st October 2023, and are subject to change without notice. Rates are determined by creditworthiness and other factors at the time of application. Credit limits based on ability to repay. Credit Cards are not eligible for MemberPlus Relationship Pricing.
Learn more about MemberPlus.
**1.99-4.99% Introductory APR is based on credit score and is valid on purchases made within the first 6-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 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. The APR range for purchases and balance transfers following the introductory period is 13.15%-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 $10.00 or 3% of the amount of each cash advance, whichever is greater.
| Share Savings | Minimum to Earn APY | APY* | Dividend Yield |
|---|---|---|---|
| $0.01 min. balance to open | $50 – $999.99 | 0.01% | 0.01% |
| $1,000 – $2,499.99 | 0.03% | 0.03% | |
| $2,500.00 – $4,999.99 | 0.05% | 0.05% | |
| $5,000 and up | 0.10% | 0.10% |
| Stars and Stripes Share Savings | Minimum to Earn APY | APY* | Dividend Yield |
|---|---|---|---|
| For members age 0-12. | $0.01 – $999.99 | 0.01% | 0.01% |
| $0.01 min. balance to open | $1,000 – $2,499.99 | 0.03% | 0.03% |
| $2,500.00 – $4,999.99 | 0.05% | 0.05% | |
| $5,000 and up | 0.10% | 0.10% |
| Rising Stars Share Savings | Minimum to Earn APY | APY* | Dividend Yield |
|---|---|---|---|
| For members age 13-17. | $0.01 – $999.99 | 0.01% | 0.01% |
| $0.01 min, balance to open. | $1,000 – $2,499.99 | 0.03% | 0.03% |
| $2,500.00 – $4,999.99 | 0.05% | 0.05% | |
| $5,000 and up | 0.10% | 0.10% |
| Holiday & Vacation Clubs | Minimum to Earn APY | APY* | Dividend Yield |
|---|---|---|---|
| $50 – $999.99 | 0.01% | 0.01% | |
| $1,000 – $2,499.99 | 0.03% | 0.03% | |
| $2,500.00 – $4,999.99 | 0.05% | 0.05% | |
| $5,000 and up | 0.10% | 0.10% |
| Health Savings Accounts** | Minimum to Earn APY | APY* | Dividend Yield |
|---|---|---|---|
| $25.00 to $2,499.99 | 1.00% | 1.00% | |
| $2,500.00 to $4,999.99 | 1.10% | 1.09% | |
| $5,000.00 to $9,999.99 | 1.20% | 1.19% | |
| $10,000.00 to $49,999.99 | 1.30% | 1.29% | |
| $50,000.00 to $99,999.99 | 1.40% | 1.39% | |
| $100,000.00 and up | 1.50% | 1.49% |
| Secured Visa Savings Share Accounts*** | Minimum to Earn APY | APY* | Dividend Yield |
|---|---|---|---|
| $50 – $999.99 | 0.01% | 0.01% | |
| $1,000 – $2,499.99 | 0.03% | 0.03% | |
| $2,500.00 – $4,999.99 | 0.05% | 0.05% | |
| $5,000.00 and up | 0.10% | 0.10% |
*APY = Annual Percentage Yield. Savings accounts have variable rates and, if applicable, pay dividends compounded and paid monthly. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings.
**Available to qualified individuals covered by a High Deductible Health Plan. HSAs are Health Savings Accounts. Single and family options available.
***Available to members with our Secured VISA product only.
Please note: Rates below are current as of 1st October 2023 and are subject to change without notice. View Disclosures.
*APY = Annual Percentage Yield. This variable rate savings option pays dividends compounded and paid monthly. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings on account.
Please note: These rates are current as of 1st October 2023 and are subject to change without notice. View Disclosures.
*APY = Annual Percentage Yield. These accounts have variable rates and, if applicable, pay dividends compounded and paid monthly. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings.
Note: Savings, Money Market and Checking accounts are variable rate accounts. Rates are subject to change without notice. Applicable fees could reduce earnings on the account. The rate may change after the account is opened.
Please note: Rates below are current as of 1st October 2023 and are subject to change without notice. View Disclosures.
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened.
**Pays dividends compounded & paid monthly when you maintain an average daily balance of $2,500 or more. If your average daily balance falls below $1,000, there is a $5.00 monthly minimum balance fee.
***For members age 50 and older. No minimum balance fees, no per check charges, discounts on other services. Dividends are earned when you maintain an average daily balance of $500 or more.
****For members 18-25 years of age. No minimum balance required to open. Once member turns 26, IQ Checking will automatically change to Freedom Checking.
*****Dividends calculated based on the average daily balance. If average daily balance falls below $5,000 during the dividend period, you will not earn dividends for the period and your account will be assessed a $10.00 minimum balance fee. Direct deposit is required.
******Available to qualified individuals covered by a High Deductible Health Plan. HSAs are Health Savings Accounts. Single and family options available. Eligible account balances earn dividends, which are compounded and paid monthly
Home Equity Plus loan – 2nd lien
*APR = Annual Percentage Rate. Loan rates and terms are based on each applicant’s credit history and underwriting guidelines, are subject to change without notice, and may vary from those shown. Applications are subject to credit approval. Rates are based on a combined loan-to-value (CLTV) up to 133%. The rate you receive may vary based on your MemberPlus Relationship with us. A typical Home Equity Plus Loan of $10,000 at 7.25% APR would have 60 monthly payments of $199.25 each month, with total repayment of $11,954.33. 2nd Lien or Home Equity loans are secured by a loan on property. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $234 to $3,700. Cannot be combined with certain types of active AmeriCU home equity or home improvement loans – call 800.388.2000 for details. Equal Housing Lender. Insured by NCUA. Membership eligibility is required.
1st lien- Home Equity Loan
*APR = Annual Percentage Rate. Loan rates and terms are based on each applicant’s credit history and underwriting guidelines, are subject to change without notice, and may vary from those shown. Applications are subject to credit approval. Rates are based on a combined-loan-to-value (CLTV) up to 80% The rate you receive may vary based on your MemberPlus Relationship with us. 1st Lien or Home Equity loans are secured by a loan on property. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $35 to $1500. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.
2nd lien- Home Equity loan
*APR = Annual Percentage Rate. Loan rates and terms are based on each applicant’s credit history and underwriting guidelines, are subject to change without notice, and may vary from those shown. Applications are subject to credit approval. Rates are based on a combined-loan-to-value (CLTV) up to 100% The rate you receive may vary based on your MemberPlus Relationship with us. 2nd Lien or Home Equity loans are secured by a loan on property. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $35 to $1500. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.
*APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Minimum line of credit is $7,500. The introductory rate is available on Home Equity Lines of Credit with a loan-to-value ratio, less first mortgage, of no more than 80%. After first 6 months, the variable APR may vary monthly based on the Prime Rate published in the Wall Street Journal and may be subject to change thereafter in accordance with the line of credit documents, not to exceed 15% APR. Prime Rate is 8.50% APR, effective May 4, 2023. Applications are subject to credit approval. Rates and terms are determined by overall credit history, loan-to-value and term of loan, and are subject to change without notice. Up to 100% CLTV: The advertised rate is available on Home Equity Lines of Credit with a loan-to-value ratio, less first mortgage, of no more than 100%. The variable rate APR would be equal to the Prime Rate, and may increase or decrease but not to exceed 15.00% APR. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $35 to $1500. A Home Equity Line of Credit is secured by a lien on real property. Property insurance is required to open a Home Equity Line of Credit. Product not eligible for MemberPlus relationship pricing. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.
*A typical Home Renovation Loan of $10,000 at 9.49% APR would have 48 monthly payments of $251.18 each month, with total repayment of $12,056.81. Rates as of 1st October 2023.
*APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical auto loan of $20,000 at 6.99% APR would have 48 monthly payments of $478.83 each month, with total repayment of $22,983.94. Rates current as of 1st October 2023.
*APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical Recreation Equipment loan of $15,000 at 7.99% APR would have 48 monthly payments of $366.12 each month, with total repayment of $17,573.92. Rates current as of 1st October 2023.
*APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history and underwriting factors and are subject to change without notice. Applications are subject to credit approval. A typical unsecured loan of $5,000 at 9.25% APR would have 48 monthly payments of $125.02 each month, with total repayment of $6,000.94. Rates current as of 1st October 2023.
*APR = Annual Percentage Rate. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Secured by any share account (except checking or IRA). A typical Share Pledge of $2,000 at 4.70% APR would have 24 monthly payments of $84.48 each with total repayment of $2099.43. Not eligible for Member Relationship Pricing.
*APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical Residential Equipment loan of $25,000 at 7.99% APR would have 48 monthly payments of $610.21 each month, with total repayment of $29,289.87. Rates current as of 1st October 2023.
*APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical RV loan of $25,000 at 7.99% APR would have 48 monthly payments of $610.21 each month, with total repayment of $29,289.87. Rates current as of 1st October 2023.
*APR = Annual Percentage Rate. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
*APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical Motorcycle loan of $20,000 at 6.99% APR would have 48 monthly payments of $478.83 each month, with total repayment of $22,983.94. Rates current as of 1st October 2023.
*APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical Marine loan of $25,000 at 8.99% APR would have 48 monthly payments of $622.01 each month, with total repayment of $29,856.35. Rates current as of 1st October 2023.
*APR = Annual Percentage Rate. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Secured by a share certificate account. A typical Certificate Pledge of $2,000 at 5.81% APR would have 24 monthly payments of $88.48 each with total repayment of $2,123.33. Not eligible for Member Relationship Pricing.
*APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical auto loan of $30,000 at 7.99% APR would have 48 monthly payments of $519.00 each month, and would include a balloon payment due at loan maturity of $13,043.00. Rates current as of 1st October 2023.
Please note: rates below are current as of 1st October 2023 and are subject to change without notice.
*APR = Annual Percentage Rate (APR) based on $100,000 loan amount and no prepaid interest. Rates are subject to change without notice. Mortgage insurance may be required, which could increase your APR. Payments do not include amounts for taxes and insurance premiums, the actual payment obligation will be greater. (Biweekly payments also available; however, rates and terms may differ from those listed above.) Rates, terms and conditions are subject to change without notice. Consult your Mortgage Officer. The interest rate for your mortgage is set at the time you apply. You must carry property insurance. All loans subject to credit approval. For adjustable rate mortgage (ARM) loans, the APR may increase after consummation, and with each rate change, the payment will also change. For fixed rate loans, the APR will not increase for the term of the loan. Other mortgage options are available. Call 800.388.2000 for details.
Please note: rates below are current as of 1st October 2023 and are subject to change without notice. View Disclosures.
| 3 Month Share Certificate | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| Core | $1,000 | 0.25% | 0.25% |
| Flex/Connect | $1,000 | 0.30% | 0.30% |
| Connect Plus | $1,000 | 0.35% | 0.35% |
| Partner | $1,000 | 0.40% | 0.40% |
| 6 Month Share Certificate | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| Core | $1,000 | 5.00% | 4.88% |
| Flex/Connect | $1,000 | 5.00% | 4.88% |
| Connect Plus | $1,000 | 5.00% | 4.88% |
| Partner | $1,000 | 5.00% | 4.88% |
| 12 Month Share Certificate | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| Core | $1,000 | 0.80% | 0.80% |
| Flex/Connect | $1,000 | 0.85% | 0.85% |
| Connect Plus | $1,000 | 0.90% | 0.90% |
| Partner | $1,000 | 0.95% | 0.95% |
| 24 Month Share Certificate | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| Core | $1,000 | 2.28% | 2.25% |
| Flex/Connect | $1,000 | 2.33% | 2.30% |
| Connect Plus | $1,000 | 2.38% | 2.35% |
| Partner | $1,000 | 2.43% | 2.40% |
| 36 Month Share Certificate | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| Core | $500 | 2.28% | 2.25% |
| Flex/Connect | $500 | 2.33% | 2.30% |
| Connect Plus | $500 | 2.38% | 2.35% |
| Partner | $500 | 2.43% | 2.40% |
| 48 Month Share Certificate | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| Core | $500 | 2.53% | 2.50% |
| Flex/Connect | $500 | 2.58% | 2.55% |
| Connect Plus | $500 | 2.63% | 2.60% |
| Partner | $500 | 2.69% | 2.65% |
| 60 Month Share Certificate | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| Core | $500 | 2.53% | 2.50% |
| Flex/Connect | $500 | 2.58% | 2.55% |
| Connect Plus | $500 | 2.63% | 2.60% |
| Partner | $500 | 2.69% | 2.65% |
*APY = Annual Percentage Yield. Rates are current as of the date posted above and are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. The minimum balance to earn APY is the same as the minimum opening deposit. Rate is based on your MemberPlus Relationship with AmeriCU.
| TRADITIONAL, TAX-FREE ROTH & COVERDELL ESAS 3 Month Share Certificate | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| Core | $1,000 | 0.25% | 0.25% |
| Flex/Connect | $1,000 | 0.30% | 0.30% |
| Connect Plus | $1,000 | 0.35% | 0.35% |
| Partner | $1,000 | 0.40% | 0.40% |
| TRADITIONAL, TAX-FREE ROTH & COVERDELL ESAS 6 Month Share Certificate | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| Core | $1,000 | 5.00% | 4.88% |
| Flex/Connect | $1,000 | 5.00% | 4.88% |
| Connect Plus | $1,000 | 5.00% | 4.88% |
| Partner | $1,000 | 5.00% | 4.88% |
| TRADITIONAL, TAX-FREE ROTH & COVERDELL ESAS 12 Month Share Certificate | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| Core | $1,000 | 0.80% | 0.80% |
| Flex/Connect | $1,000 | 0.85% | 0.85% |
| Connect Plus | $1,000 | 0.90% | 0.90% |
| Partner | $1,000 | 0.95% | 0.95% |
| TRADITIONAL, TAX-FREE ROTH & COVERDELL ESAS 24 Month Share Certificate | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| Core | $1,000 | 4.00% | 3.92% |
| Flex/Connect | $1,000 | 4.00% | 3.92% |
| Connect Plus | $1,000 | 4.00% | 3.92% |
| Partner | $1,000 | 4.00% | 3.92% |
| TRADITIONAL, TAX-FREE ROTH & COVERDELL ESAS 36 Month Share Certificate | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| Core | $500 | 2.28% | 2.25% |
| Flex/Connect | $500 | 2.33% | 2.30% |
| Connect Plus | $500 | 2.38% | 2.35% |
| Partner | $500 | 2.43% | 2.40% |
| TRADITIONAL, TAX-FREE ROTH & COVERDELL ESAS 48 Month Share Certificate | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| Core | $500 | 2.53% | 2.50% |
| Flex/Connect | $500 | 2.58% | 2.55% |
| Connect Plus | $500 | 2.63% | 2.60% |
| Partner | $500 | 2.69% | 2.65% |
| TRADITIONAL, TAX-FREE ROTH & COVERDELL ESAS 60 Month Share Certificate | Minimum Balance to Open | APY* | Dividend Rate |
|---|---|---|---|
| Core | $500 | 2.53% | 2.50% |
| Flex/Connect | $500 | 2.58% | 2.55% |
| Connect Plus | $500 | 2.63% | 2.60% |
| Partner | $500 | 2.69% | 2.65% |
*APY = Annual Percentage Yield. Rates are current as of the date posted above and are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. The minimum balance to earn APY is the same as the minimum opening deposit. Rate is based on your MemberPlus Relationship with AmeriCU.
Please note: rates below are current as of 1st October 2023 and are subject to change without notice. View Disclosures.
*APY = Annual Percentage Yield. Rates are current as of the date posted above and are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. The minimum balance to earn APY is the same as the minimum opening deposit. Rate is based on your MemberPlus Relationship with AmeriCU.
*Annual Percentage Yields (APYs) current as of June 12, 2023 and are subject to change without notice. Minimum balance of $1,000 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. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Cannot be combined with any other offer. Membership eligibility is required. Insured by NCUA.
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened. Pays dividends compounded & paid monthly when you maintain an average daily balance of $2,500 or more. If your average daily balance falls below $1,000, there is a $15.00 monthly minimum balance fee.
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened. Pays dividends compounded & paid monthly when you maintain an average daily balance of $2,500 or more. If your average daily balance falls below $1,000, there is a $15.00 monthly minimum balance fee.
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened.
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened. Pays dividends compounded & paid monthly when you maintain the required average daily balance of $5,000 or more. If your average daily balance falls below $5,000, there is a $25.00 monthly minimum balance fee.
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened.
*APY = Annual Percentage Rate. Rates are current as of the date posted above and are subject to change without notice. The minimum balance to earn APY is the same as the minimum opening deposit. A penalty may be imposed for early withdrawal.
Please note: Rates above are current as of 1st October 2023 and are subject to change without notice.
AmeriCU & Your Smooth Ride
How would you like the low monthly payments of a lease, without all the heavy restrictions and hidden costs of leasing?
AmeriCU & Your Terms
Earn more with an AmeriCU Share Certificate! You’ll enjoy great rates, a wide variety of terms, and the freedom of investment flexibility.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!