Current Rates

Our 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! Learn more about MemberPlus.

Rates current as of July 15, 2019 and are subject to change without notice.

Personal Rates

Discover why thousands of people make the switch to AmeriCU every year! Whether you’re looking for a checking or savings account, want to invest in your future with an IRA, need a great rate on a mortgage or home equity loan, or something else – you’ve come to the right place. AmeriCU is here to provide you the right financial services to live life, dream big and achieve financial success.

  • Checking Accounts

    Please note: Rates below are current as of July 15, 2019 and are subject to change without notice. View Disclosures.

    Checking AccountMinimum to Earn APYAPY*Dividend Rate
    Freedom Checking N/A0.00% 0.00%
    Performance Checking**$2,5000.30%0.30%
    Privileged Checking***$500 0.55%0.55%
    IQ Checking****N/A0.00%0.00%
    Prestigious Checking*****$5,000 – $9,999.990.55%0.55%
    $10,000 – $24,999.990.55%0.55%
    $25,000 and up0.55%0.55%
    HSA Checking******$25 to $2,499.991.25%1.24%
    $2,500.00 to $4,999.991.25%1.24%
    $5,000.00 to $9,999.991.25%1.24%
    $10,000.00 to $49,999.991.25%1.24%
    $50,000.00 to $99,999.991.25%1.24%
    $100,000.00 and up1.25%1.24%

    *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.

  • Money Market Savings

    Please note: Rates below are current as of July 15, 2019 and are subject to change without notice. View Disclosures.

    Minimum to Earn APYAPY*Dividend Rate
    $0.01 – $499.990.65%0.65%
    $500.00 – $999.990.65%0.65%
    $1,000.00 – $2,499.990.75%0.75%
    $2,500.00 – $9,999.990.75%0.75%
    $10,000.00 – $24,999.990.80%0.80%
    $25,000.00 – $49,999.990.90%0.90%
    $50,000.00 – $99,999.990.95%0.95%
    $100,000.00 – $249,999.991.00%1.00%
    $250,000.00 – $999,999.991.10%1.09%
    $1,000,000.00 and up1.10%1.09%

    *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.

  • Savings

    Please note: Rates below are current as of July 15, 2019 and are subject to change without notice. View Disclosures.

    SavingsMinimum to Earn APYAPY*Dividend Yield
    Share Savings
    $5.00 min. balance to open.$50 - $999.990.45%0.45%
    $1,000 - $2,499.990.45%0.45%
    $2,500.00 - $4,999.990.70%0.70%
    $5,000 and up0.70%0.70%
    Stars & Stripes Share Savings
    For members age 0-12. $0.01 - $999.990.45%0.45%
    $5.00 min. balance to open.$1,000 - $2,499.990.45%0.45%
    $2,500.00 - $4,999.990.70%0.70%
    $5,000 and up0.70%0.70%
    Holiday & Vacation Clubs
    $50 - $999.990.75%0.75%
    $1,000 - $2,499.990.75%0.75%
    $2,500.00 - $4,999.990.75%0.75%
    $5,000 and up0.75%0.75%
    Rising Stars Share Savings
    For members age 13-17. $0.01 - $999.990.45%0.45%
    $5.00 min. balance to open.$1,000 - $2,499.990.45%0.45%
    $2,500.00 - $4,999.990.70%0.70%
    $5,000 and up0.70%0.70%
    Health Savings Accounts**
    $25 to $2,499.991.25%1.24%
    $2,500.00 to $4,999.991.25%1.24%
    $5,000.00 to $9,999.991.25%1.24%
    $10,000.00 to $49,999.991.25%1.24%
    $50,000.00 to $99,999.991.25%1.24%
    $100,000.00 and up1.25%1.24%
    Secured Visa Savings Share Accounts***
    $50 - $999.990.45%0.45%
    $1,000 - $2,499.990.45%0.45%
    $2,500.00 - $4,999.990.70%0.70%
    $5,000 and up0.70%0.70%

    *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.

  • IRA Savings Accounts

    Please note: Rates below are current as of July 15, 2019 and are subject to change without notice. View Disclosures.

    Traditional, Tax-Free Roth & Coverdell ESASMinimum to Earn APYAPY*Dividend Rate
    Note-These are variable rate savings accounts. Rates are subject to change without notice.$50 - $999.990.70%0.70%
    $1,000 - $2,499.990.70%0.70%
    $2,500 - $4,999.990.70%0.70%
    $5,000 and up0.70%0.70%

    *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.

  • Dedicated Saver Share Certificate

    Please note: rates below are current as of July 15, 2019 and are subject to change without notice. View Disclosures

    Dedicated Saver Share CertificateMinimum Balance to OpenAPY*Dividend Rate
    3-12 Month Certificate
    Core$500.80%0.80%
    Flex / Connect$500.85%0.85%
    Connect Plus$500.90%0.90%
    Partner$500.95%0.95%

    *APY = Annual Percentage Rate. 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. The amount of early withdrawal penalty for your account is all accrued dividends up to 90 days’ dividends but not less than seven (7) days’ dividends. For accounts with terms of 12 months or longer, the amount of early withdrawal penalty for your account is all accrued dividends up to 180 days’ dividends but not less than seven (7) days’ dividends. The minimum balance to earn APY is the same as the minimum opening deposit. Rate is based on your MemberPlus Relationship with AmeriCU. Learn more about MemberPlus.

  • Share Certificates

    Please note: rates below are current as of July 15, 2019 and are subject to change without notice. View Disclosures.

    Share CertificatesMinimum Balance to OpenAPY*Dividend Rate
    32-89 Day Terms
    Core$1,0000.25%0.25%
    Flex / Connect$1,0000.30%0.30%
    Connect Plus$1,0000.35%0.35%
    Partner$1,0000.40%0.40%
    3-5 Month Terms
    Core$1,0000.75%0.75%
    Flex / Connect$1,0000.80%0.80%
    Connect Plus$1,0000.85%0.85%
    Partner$1,0000.90%0.90%
    6-11 Month Terms
    Core$1,0001.30%1.29%
    Flex / Connect$1,0001.35%1.34%
    Connect Plus$1,0001.40%1.39%
    Partner$1,0001.45%1.44%
    12-23 Month Terms
    Core$1,0002.70%2.66%
    Flex / Connect$1,0002.75%2.71%
    Connect Plus$1,0002.80%2.76%
    Partner$1,0002.85%2.81%
    15 Month Special
    Core$1,0002.80%2.76%
    Flex/Connect$1,0002.85%2.81%
    Connect Plus$1,0002.90%2.86%
    Partner$1,0002.95%2.91%
    24-35 Month Terms
    Core$1,0002.85%2.81%
    Flex / Connect$1,0002.90%2.86%
    Connect Plus$1,0002.95%2.91%
    Partner$1,0003.00%2.96%
    36-47 Month Terms
    Core$5002.95%2.91%
    Flex / Connect$5003.00%2.96%
    Connect Plus$5003.06%3.01%
    Partner$5003.11%3.06%
    48-59 Month Terms
    Core$5003.05%3.00%
    Flex / Connect$5003.10%3.05%
    Connect Plus$5003.15%3.10%
    Partner$5003.20%3.15%
    60-72 Month Terms
    Core$5003.15%3.10%
    Flex / Connect$5003.20%3.15%
    Connect Plus$5003.25%3.20%
    Partner$5003.30%3.25%
    Jumbo Certificate (3 Month Term)
    Core$100,0000.75%0.75%
    Flex / Connect$100,0000.80%0.80%
    Connect Plus$100,0000.85%0.85%
    Partner$100,0000.90%0.90%
    Jumbo Certificate (6 Month Term)
    Core$100,0001.30%1.29%
    Flex / Connect$100,0001.35%1.34%
    Connect Plus$100,0001.40%1.39%
    Partner$100,0001.45%1.44%
    Jumbo Certificate (12 Month Term)
    Core$100,0002.70%2.66%
    Flex / Connect$100,0002.75%2.71%
    Connect Plus$100,0002.80%2.76%
    Partner$100,0002.85%2.81%

    *APY = Annual Percentage Rate. 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. A penalty may be imposed for accounts with terms of less than 12 months, the amount of early withdrawal penalty for your account is all accrued dividends up to 90 days’ dividends but not less than seven (7) days’ dividends. For accounts with terms of 12 months or longer, the amount of early withdrawal penalty for your account is all accrued dividends up to 180 days’ dividends but not less than seven (7) days’ dividends. The minimum balance to earn APY is the same as the minimum opening deposit. Rate is based on your MemberPlus Relationship with AmeriCU. Learn more about MemberPlus.

  • IRA Share Certificates

    View Disclosures.

    Traditional, Tax-Free Roth & Coverdell ESASMinimum Balance to OpenAPY*Dividend Rate
    3-5 Month Terms
    Core$1,0000.65%0.65%
    Flex / Connect$1,0000.70%0.70%
    Connect Plus$1,0000.75%0.75%
    Partner$1,0000.80%0.80%
    6-11 Month Terms
    Core$1,0001.01%1.00%
    Flex / Connect$1,0001.06%1.05%
    Connect Plus$1,0001.11%1.10%
    Partner$1,0001.16%1.15%
    12-23 Month Terms
    Core$1,0002.65%2.62%
    Flex / Connect$1,0002.71%2.67%
    Connect Plus$1,0002.76%2.72%
    Partner$1,0002.81%2.77%
    24-35 Month Terms
    Core$1,0002.85%2.81%
    Flex / Connect$1,0002.90%2.86%
    Connect Plus$1,0002.95%2.91%
    Partner$1,0003.00%2.96%
    36-47 Month Terms
    Core$5002.95%2.91%
    Flex / Connect$5003.00%2.96%
    Connect Plus$5003.06%3.01%
    Partner$5003.11%3.06%
    48-59 Month Terms
    Core$5003.00%2.96%
    Flex / Connect$5003.06%3.01%
    Connect Plus$5003.11%3.06%
    Partner$5003.16%3.11%
    60-72 Month Terms
    Core$5003.05%3.00%
    Flex / Connect$5003.10%3.05%
    Connect Plus$5003.15%3.10%
    Partner$5003.20%3.15%

    *APY = Annual Percentage Rate. 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. A penalty may be imposed for accounts with terms of less than 12 months, the amount of early withdrawal penalty for your account is all accrued dividends up to 90 days’ dividends but not less than seven (7) days’ dividends. For accounts with terms of 12 months or longer, the amount of early withdrawal penalty for your account is all accrued dividends up to 180 days’ dividends but not less than seven (7) days’ dividends. The minimum balance to earn APY is the same as the minimum opening deposit. Rate is based on your MemberPlus Relationship with AmeriCU. Learn more about MemberPlus.

    At AmeriCU, our goal is to help as many members as possible obtain the credit they deserve! The rates shown here are our very best. Loan rates are based on each applicant’s credit history and may vary from those shown below.

    The rate you receive may vary based on your MemberPlus Relationship with us. Learn more about MemberPlus.

    Please note: rates below are current as of July 15, 2019 and are subject to change without notice. The rate you pay will be determined by the amount and term of loan and your credit history.

  • New Vehicle Loans

    New AutosTermAPR*Amount Financed
    2018 - 2020 Model YearsUp to 48 monthsas low as 2.49%Up to 125% of MSRP
    49 - 66 monthsas low as 2.69%Up to 125% of MSRP
    67 - 75 monthsas low as 2.74%Up to 125% of MSRP
    76 - 84 monthsas low as 3.24%Up to 125% of MSRP

    *APR = Annual Percentage Rate. Minimum $5,000 on terms up to 75 months. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical new auto loan of $20,000 at 2.69% APR would have 66 monthly payments of $326.36 each month, with total repayment of $21,539.26.

  • Used Vehicle Loans

    Used AutosTermAPR*Amount Financed
    Model Years 2-5 Years OldUp to 48 monthsas low as 2.89%Lesser of up to 125% of NADA or Sales Price
    Previously titled and registered.49 - 66 monthsas low as 2.94%Lesser of up to 125% of NADA or Sales Price
    67 - 75 monthsas low as 2.99%Lesser of up to 125% of NADA or Sales Price

    *APR = Annual Percentage Rate. Minimum $5,000 on terms up to 75 months. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical used auto loan of $15,000 at 2.94% APR would have 66 monthly payments of $246.44 each month, with a total repayment of $16,264.50.

  • Older Used Vehicle

    Older Used Autos TermAPR*Amount Financed
    Model Years 6-9 Years OldUp to 48 monthsas low as 6.75%Lesser of up to 105% NADA or Sales Price
    49 - 66 monthsas low as 7.00%Lesser of up to 105% NADA or Sales Price

    *APR = Annual Percentage Rate. Minimum $5,000. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical older used auto loan of $10,000 at 6.75% APR would have 48 monthly payments of $238.32 each, with total repayment of $11,438.90.

  • New RV and Marine Loans

    New RV & MarineTermAPR*Amount Financed
    2018 - 2020 Model Yearsup to 66 monthsas low as 3.99%$5,000+
    67 - 84 monthsas low as 4.99%$25,000+
    85 - 144 monthsas low as 5.99%$50,000+

    *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. A typical New RV or Marine Loan of $25,000 at 4.99% APR would have 84 monthly payments of $353.26 each, with total repayment of $29,673.29.

  • Used RV and Marine Loans

    Used RV & MarineTermAPR*Amount Financed
    2014 - 2017 Model Yearsup to 66 monthsas low as 4.99%$5,000+
    67 - 84 monthsas low as 5.99%$25,000+
    85 - 144 monthsas low as 6.99%$50,000+

    *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. A Typical Used RV or Marine Loan of $25,000 at 5.99% APR would have 84 monthly payments of $365.13 each, with total repayment of $30,670.24.

  • Older Used RV and Marine Loans

    Older Used RV & MarineTermAPR*Amount Financed
    2010 - 2013 Model Yearsup to 66 monthsas low as 9.25%$5,000+

    *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. Loans for RVs and Marine up to 10 years old. A Typical Older Used RV or Marine Loan of $5,000 at 9.25% APR would have 66 monthly payments of $96.95 each, with total repayment of $6,398.44.

  • New Snowmobile, ATV, and Jet Ski Loans

    NEW Snowmobile, ATV & Jet SkiTermAPR*Amount Financed
    2018 - 2020 Model YearsUp to 48 monthsas low as 4.25%Up to 125% of MSRP
    49 - 66 monthsas low as 4.50%Up to 125% of MSRP
    67 - 75 monthsas low as 5.50%Up to 125% of MSRP
    76 - 84 monthsas low as 6.00%Up to 125% of MSRP

    *APR = Annual Percentage Rate. Minimum $5,000 on terms up to 75 months and minimum $25,000 on terms from 76-84 months. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical new Snowmobile/ATV/Jet Ski loan of $15,000 at 4.50% APR would have 66 monthly payments of $256.99 each, with total repayment of $16,961.33.

  • Used Snowmobile, ATV, and Jet Ski Loans

    Used Snowmobile, ATV & Jet SkiTermAPR*Amount Financed
    2014 - 2017 Model YearsUp to 48 monthsas low as 5.25%Up to 125% of NADA Retail
    49 - 66 monthsas low as 5.50%Up to 125% of NADA Retail
    67 - 75 monthsas low as 6.50%Up to 125% of NADA Retail
    76 - 84 monthsas low as 7.00%Up to 125% of NADA Retail

    *APR = Annual Percentage Rate. Minimum $5,000 on terms up to 75 months and minimum $25,000 on terms from 76-84 months. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical used Snowmobile/ATV/Jet Ski loan of $10,000 at 5.50% APR would have 66 monthly payments of $175.94 each, with total repayment of $11,611.86.

  • Older Used Snowmobile, ATV & Jet Ski Loans

    Older Snowmobile, ATV & Jet SkiTermAPR*Amount Financed
    2010 - 2013 Model YearsUp to 48 monthsas low as 7.75%Up to 105% of NADA Retail
    49-66 monthsas low as 8.00%Up to 105% of NADA Retail

    *APR = Annual Percentage Rate. Maximum minimum $5,000 on terms up to 66 months. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical older used Snowmobile/ATV/Jet Ski loan of $10,000 at 8.00% APR would have 66 monthly payments of $187.86 each, with total repayment of 12,398.67.

  • New Motorcycle Loans

    New MotorcycleTermAPR*Amount Financed
    2018 - 2020 Model YearsUp to 48 monthsas low as 3.25%Up to 125% of MSRP
    49 - 66 monthsas low as 3.50%Up to 125% of MSRP
    67 - 75 monthsas low as 4.50%Up to 125% of MSRP
    76 - 84 monthsas low as 5.00%Up to 125% of MSRP

    *APR = Annual Percentage Rate. Minimum $5,000 on terms up to 75 months and minimum $25,000 on terms from 76-84 months. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical new Motorcycle loan of $15,000 at 3.50% APR would have 66 monthly payments of $250.20 each, with total repayment of $16,512.76.

  • Used Motorcycle Loans

    Used MotorcycleTermAPR*Amount Financed
    2014 - 2017 Model YearsUp to 48 monthsas low as 4.25%Up to 125% of NADA Retail
    49 - 66 monthsas low as 4.50%Up to 125% of NADA Retail
    67 - 75 monthsas low as 5.50%Up to 125% of NADA Retail
    76 - 84 monthsas low as 6.00%Up to 125% of NADA Retail

    *APR = Annual Percentage Rate. Minimum $5,000 on terms up to 75 months and minimum $25,000 on terms from 76-84 months. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical used Motorcycle loan of $10,000 at 4.50% APR would have 66 monthly payments of $171.34 each, with total repayment of $11,307.91.

  • Older Used Motorcycle Loans

    Older Used MotorcycleTermAPY*Amount Financed
    2010 - 2013 Model YearsUp to 48 monthsas low as 6.75%Up to 105% of NADA Retail
    49-66 monthsas low as 7.00%Up to 105% of NADA Retail

    *APR = Annual Percentage Rate. Maximum minimum $5,000 on terms up to 66 months. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. A typical older used Motorcycle loan of $10,000 at 7.00% APR would have 66 monthly payments of $183.06 each, with total repayment of $12,081.25.

  • Signature, Personal & Unsecured Loans

    TermAPR*Amount Financed
    Up to 24 monthsas low as 6.25%Up to $50,000
    25 - 36 monthsas low as 6.50%Up to $50,000
    37 - 48 monthsas low as 6.75%Up to $50,000
    49 - 60 monthsas low as 7.00%Up to $50,000

    *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. A typical Unsecured Loan of $5,000 at 6.25% APR would have 24 monthly payments of $222.30 each, with total repayment of $5,335.20.

  • Share Pledge

    TermAPR*Amount Financed
    Up to 144 months4% above share rateMaximum amount of shares

    *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.

  • Certificate Pledge

    TermAPR*Amount Financed
    Limited to date of certificate maturity3% above certificate rate$500 up to certificate amount

    *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.

  • Personal Line of Credit

    APR*Amount Financed
    as low as 10.25%up to $5,000

    *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.

Please note: rates below are current as of July 15, 2019 and are subject to change without notice.

CardAPR*Annual Fee
VISA Signature Rewards**As low as 8.98%$0
VISA Traditional Platinum**As low as 8.40%$0
MasterCard***As low as 12.90%$0
Secured VISA Platinum****As low as 15.90%$0

*APR = Annual Percentage Rate. Rates and terms are accurate as of July 15, 2019, 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.

** Standard APR may vary and is based on Prime Rate. 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. See full terms and disclosures.

***Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. See full terms and disclosures.

****Open a secured savings account with AmeriCU for $500+ to get a Secured VISA®. The credit limit on your Secured VISA® = the balance in your Secured Savings Account (in increments of $100 up to $5,000). Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. See full terms and disclosures.

    At AmeriCU, our goal is to help as many members as possible obtain the credit they deserve!

    Loan rates are based on each applicant’s credit history and may vary from those shown below and are also subject to underwriting guidelines. Rates shown include relationship pricing discount of .25%. The rate you receive may vary based on your MemberPlus Relationship with us. Rates are subject to change without notice. All rates shown as Annual Percentage Rate (APR).

    Payment Example: 1st 6 months if LTV is 80% or less (from day of closing): Interest Only Payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater. 7th mo. to 10th year OR 0 Month to 10th year if LTV is 81% or greater: Interest Only Payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater. 11th to 25th year: Draw period can be renewed at our option OR this balance will be amortized over 15 years. The payment will be the principal and interest payment due (plus insurance if applicable). Minimum payment $100.00.

  • 1st Lien Home Equity Loan

    TermAPR*Payment Per $1000
    60 monthsas low as 3.25%$18.08
    120 monthsas low as 3.75%$10.01
    180 monthsas low as 4.25%$7.52
    240 monthsas low as 4.75%$6.46
    360 monthsas low as 5.25%$5.52

    *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 loan-to-value (LTV) up to 80%. Rates shown include relationship pricing discount of .25%. The rate you receive may vary based on your MemberPlus Relationship with us. 1st Lien Home Equity loans are secured by a loan on property.

  • 2nd Lien Home Equity Loan

    TermAPR*Payment Per $1000
    60 monthsas low as 3.75% $18.30
    120 monthsas low as 4.50% $10.36
    180 monthsas low as 5.25% $8.04

    *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 loan-to-value (LTV) up to 80%. Rates shown include relationship pricing discount of .25%. The rate you receive may vary based on your MemberPlus Relationship with us. 2nd Lien Home Equity loans are secured by a loan on property.

  • Home Equity Line of Credit

    Home Equity Line of CreditTermLoan to ValueAPR*
    Introductory RateFirst 6 monthsUp to 80%1.99%
    Variable Rate7th month - 10th yearUp to 80%Prime + 0%
    0 months - 10th year81 - 90%Prime + 1%
    0 months - 10th year91 - 100%Prime + 2%
    11th month - 25th yearUp to 80%Prime + 0%
    11th month - 25th year81 - 90%Prime + 1%
    11th month - 25th year91 - 100%Prime + 2%

    *APR = Annual Percentage Rate. Rates and terms are accurate as of July 5, 2019 and are subject to change without notice. The introductory rate is available on Home Equity Lines of Credit with an 80% loan-to-value, less first mortgage. After first 6 months, rate is variable based on the prime rate published in the Wall Street Journal plus a margin (0% APR). If the introductory rate were not offered, the rate would be the Prime Rate which is 5.50% as of July 15, 2019. Minimum line of credit is $7,500. Rates can increase or decrease, but not fall below 2.75% APR or exceed 15.00% APR. 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. If the loan is closed within 3 years, the member reimburses closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $35 to $1,500. A Home Equity Line of Credit is secured by a lien on property. Product not eligible for MemberPlus relationship pricing.

    Payment Example: 1st 6 months if LTV is 80% or less (from day of closing): Interest Only Payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater. 7th mo. to 10th year OR 0 Month to 10th year if LTV is 81% or greater: Interest Only Payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater. 11th to 25th year: Draw period can be renewed at our option OR this balance will be amortized over 15 years. The payment will be the principal and interest payment due (plus insurance if applicable). Minimum payment $100.00.

Please note: rates below are current as of July 15, 2019 and are subject to change without notice.

MortgagesAPR*RateMonthly payment per $1000
30 Year Fixed Rate Conventionalas low as 3.627%as low as 3.500%$4.49
15 Year Fixed Rate Conventionalas low as 3.217%as low as 3.000%$6.91
7/1 Adjustable Rate (ARM)as low as 3.321%as low as 2.875%$4.15 (30-yr term assumed)
30 Year FHA/VA Fixed Rateas low as 4.046%as low as 3.625%$4.56

*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.

Business Rates

Visit your local AmeriCU Financial Center or contact a member of our Business Team for our current Business Rates.

    Please note: Rates below are current as of July 15, 2019 and are subject to change without notice. View disclosures.

  • Select Business Tiered Money Market Account

    Minimum to Earn APYAPY*Dividend Rate
    $0.01 - $499.990.75%0.75%
    $500.00 - $999.990.75%0.75%
    $1,000 - $2,499.990.75%0.75%
    $2,500 - $9,999.990.75%0.75%
    $10,000 - $24,999.990.85%0.85%
    $25,000 - $49,999.990.85%0.85%
    $50,000 - $99,999.990.90%0.90%
    $100,000 - $249,999.991.00%1.00%
    $250,000 - $999,999.991.04%1.04%
    $1,000,000 and up1.04%1.04%

    *APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened.

  • Select Business Savings Account

    Minimum to Earn APYAPY*Dividend Rate
    $50 - $999.990.75%0.75%
    $1,000 - $2,499.990.75%0.75%
    $2,500 - $4,999.990.75%0.75%
    $5,000 and up0.75%0.75%

    *APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened.

  • Select Business Freedom Checking

    Minimum to Earn APYAPY*Dividend Rate
    No minimum balance0.50%0.50%

    *APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates subject to change without notice. Rates may change after account is opened.

  • Select Business Value Checking

    Minimum to Earn APYAPY*Dividend Rate
    $2,500.000.50%0.50%

    *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.

  • Select Business Premier Checking

    Minimum to Earn APYAPY*Dividend Rate
    $5,000 - 9,999.990.60%0.60%
    $10,000 - 24,999.990.60%0.60%
    $25,000 and up0.60%0.60%

    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.

Please note: Rates below are current as of July 15, 2019 and are subject to change without notice. View disclosures.

Select Business CertificatesMinimum Balance to OpenAPY*Dividend Rate
32 - 89 Day Terms$1,0000.25%0.25%
3 - 5 Months Terms$1,0000.75%0.75%
6 - 11 Months Terms$1,0001.30%1.29%
12 - 23 Months Terms$1,0002.70%2.66%
24 - 35 Months Terms$1,0002.85%2.81%
36 - 47 Months Terms$5002.95%2.91%
48 - 59 Months Terms$5003.05%3.00%
60 - 72 Months Terms$5003.15%3.10%
3 Month Jumbo$100,0000.75%0.75%
6 Month Jumbo$100,0001.30%1.29%
12 Month Jumbo$100,0002.70%2.66%

*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.

More from AmeriCU

Happy african businessman using phone at cafe

Financial Wellness

You face important financial decisions every day. Give yourself the tools you need to be prepared! Learn about financial wellness.

Join Today

You can become a member with just $5 if you live, work, worship, or attend school in Central or Northern New York. It’s that easy! Join today.

Sport fisherman hunting predator fish.

The Right Financial Services

AmeriCU provides you with the right financial services to live life, dream big, and achieve financial success. See all the products and services we offer!