Current Rates - AmeriCU Credit Union. Apply today! 800.388.2000

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 August 3, 2021 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 August 3, 2021 and are subject to change without notice. View Disclosures.

    Checking AccountMinimum to Earn APYAPY*Dividend Rate
    Freedom Checking 0.000.00% 0.00%
    Performance Checking**$2,5000.01%0.01%
    Privileged Checking***$500 0.10%0.10%
    IQ Checking****N/A0.00%0.00%
    Prestigious Checking*****$5,000 – $9,999.990.03%0.03%
    $10,000 – $24,999.990.10%0.10%
    $25,000 and up0.15%0.15%
    HSA Checking******$25.00 to $2,499.990.70%0.70%
    $2,500.00 to $4,999.990.70%0.70%
    $5,000.00 to $9,999.990.70%0.70%
    $10,000.00 to $49,999.990.70%0.70%
    $50,000.00 to $99,999.990.70%0.70%
    $100,000.00 and up0.70%0.70%

    *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 August 3, 2021 and are subject to change without notice. View Disclosures.

    Minimum to Earn APYAPY*Dividend Rate
    $0.01 – $499.990.01%0.01%
    $500.00 – $999.990.01%0.01%
    $1,000.00 – $2,499.990.03%0.03%
    $2,500.00 – $9,999.990.07%0.07%
    $10,000.00 – $24,999.990.15%0.15%
    $25,000.00 – $49,999.990.25%0.25%
    $50,000.00 – $99,999.990.35%0.35%
    $100,000.00 – $249,999.990.70%0.70%
    $250,000.00 – $999,999.990.80%0.80%
    $1,000,000.00 and up1.00%1.00%

    *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 August 3, 2021 and are subject to change without notice. View Disclosures.

    SavingsMinimum to Earn APYAPY*Dividend Yield
    Share Savings
    $0.01 min. balance to open.$50 - $999.990.01%0.01%
    $1,000 - $2,499.990.03%0.03%
    $2,500.00 - $4,999.990.05%0.05%
    $5,000 and up0.10%0.10%
    Stars & Stripes Share Savings
    For members age 0-12. $0.01 - $999.990.01%0.01%
    $0.01 min. balance to open.$1,000 - $2,499.990.03%0.03%
    $2,500.00 - $4,999.990.05%0.05%
    $5,000 and up0.10%0.10%
    Holiday & Vacation Clubs
    $50 - $999.990.01%0.01%
    $1,000 - $2,499.990.03%0.03%
    $2,500.00 - $4,999.990.05%0.05%
    $5,000 and up0.10%0.10%
    Rising Stars Share Savings
    For members age 13-17. $0.01 - $999.990.01%0.01%
    $0.01 min. balance to open.$1,000 - $2,499.990.03%0.03%
    $2,500.00 - $4,999.990.05%0.05%
    $5,000 and up0.10%0.10%
    Health Savings Accounts**
    $25.00 to $2,499.990.70%0.70%
    $2,500.00 to $4,999.990.70%0.70%
    $5,000.00 to $9,999.990.70%0.70%
    $10,000.00 to $49,999.990.70%0.70%
    $50,000.00 to $99,999.990.70%0.70%
    $100,000.00 and up0.70%0.70%
    Secured Visa Savings Share Accounts***
    $50 - $999.990.01%0.01%
    $1,000 - $2,499.990.03%0.03%
    $2,500.00 - $4,999.990.05%0.05%
    $5,000 and up0.10%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.

  • IRA Savings Accounts

    Please note: Rates below are current as of August 3, 2021 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 - $999.990.01%0.01%
    $1,000 - $2,499.990.03%0.03%
    $2,500 - $4,999.990.05%0.05%
    $5,000 and up0.10%0.10%

    *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 August 3, 2021 and are subject to change without notice. View Disclosures

    Dedicated Saver Share CertificateMinimum Balance to OpenAPY*Dividend Rate
    3-12 Month Certificate
    Core$500.19%0.19%
    Flex / Connect$500.24%0.24%
    Connect Plus$500.29%0.29%
    Partner$500.34%0.34%

    *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. Learn more about MemberPlus.

  • Share Certificates

    Please note: rates below are current as of August 3, 2021 and are subject to change without notice. View Disclosures.

    Share CertificatesMinimum Balance to OpenAPY*Dividend Rate
    60 Day Certificate
    Core$1,0000.03%0.03%
    Flex / Connect$1,0000.08%0.08%
    Connect Plus$1,0000.13%0.13%
    Partner$1,0000.18%0.18%
    3 Month Certificate
    Core$1,0000.03%0.03%
    Flex / Connect$1,0000.08%0.08%
    Connect Plus$1,0000.13%0.13%
    Partner$1,0000.18%0.18%
    6 Month Certificate
    Core$1,0000.19%0.19%
    Flex / Connect$1,0000.24%0.24%
    Connect Plus$1,0000.29%0.29%
    Partner$1,0000.34%0.34%
    12 Month Certificate
    Core$1,0000.68%0.68%
    Flex / Connect$1,0000.73%0.73%
    Connect Plus$1,0000.78%0.78%
    Partner$1,0000.83%0.83%
    24 Month Certificate
    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%
    36 Month Certificate
    Core$5000.83%0.83%
    Flex / Connect$5000.88%0.88%
    Connect Plus$5000.93%0.93%
    Partner$5000.98%0.98%
    48 Month Certificate
    Core$5000.85%0.85%
    Flex / Connect$5000.90%0.90%
    Connect Plus$5000.95%0.95%
    Partner$5001.01%1.00%
    60 Month Certificate
    Core$5000.88%0.88%
    Flex / Connect$5000.93%0.93%
    Connect Plus$5000.98%0.98%
    Partner$5001.04%1.03%

    *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. Learn more about MemberPlus. Open your Share Certificate online!

  • IRA Share Certificates

    View Disclosures.

    Traditional, Tax-Free Roth & Coverdell ESASMinimum Balance to OpenAPY*Dividend Rate
    3 Month Certificate
    Core$1,0000.08%0.08%
    Flex / Connect$1,0000.13%0.13%
    Connect Plus$1,0000.18%0.18%
    Partner$1,0000.23%0.23%
    6 Month Certificate
    Core$1,0000.24%0.24%
    Flex / Connect$1,0000.29%0.29%
    Connect Plus$1,0000.34%0.34%
    Partner$1,0000.39%0.39%
    12 Month Certificate
    Core$1,0000.73%0.73%
    Flex / Connect$1,0000.78%0.78%
    Connect Plus$1,0000.83%0.83%
    Partner$1,0000.88%0.88%
    24 Month Certificate
    Core$1,0000.80%0.80%
    Flex / Connect$1,0000.85%0.85%
    Connect Plus$1,0000.90%0.90%
    Partner$1,0000.95%0.95%
    36 Month Certificate
    Core$5000.88%0.88%
    Flex / Connect$5000.93%0.93%
    Connect Plus$5000.98%0.98%
    Partner$5001.04%1.03%
    48 Month Certificate
    Core$5000.90%0.90%
    Flex / Connect$5000.95%0.95%
    Connect Plus$5001.01%1.00%
    Partner$5001.06%1.05%
    60 Month Certificate
    Core$5000.93%0.93%
    Flex / Connect$5000.98%0.98%
    Connect Plus$5001.04%1.03%
    Partner$5001.09%1.08%

    *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. Learn more about MemberPlus.

    At AmeriCU, our goal is to help as many members as possible obtain the credit they deserve!  Your rate may vary from those shown below based on the amount and term of loan and your credit history.

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

    Please note: rates below are current as of August 3, 2021 and are subject to change without notice.

  • New Vehicle Loans

    New VehiclesTerm*APR*
    Up to 48as low as 2.24%
    49-60 monthsas low as 2.49%
    61-72 monthsas low as 2.74%
    73-84 monthsas low as 3.24%

    *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical new auto loan of $20,000 at 2.24% APR would have 48 monthly payments of $436.01 each month, with total repayment of $20,928.07. Rates current as of August 3, 2021.

  • Used Vehicle Loans

    Used Vehicles Term*APR*
    Up to 48 monthsas low as 2.49%
    49-60 monthsas low as 2.74%
    61-72 monthsas low as 2.99%
    73-84 monthsas low as 3.49%

    *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical used auto loan of $20,000 at 2.49% APR would have 48 monthly payments of $438.23 each month, with total repayment of $21,034.76. Rates current as of August 3, 2021.

  • New (PaySaver) Vehicle Loans

    New (PaySaver) Vehicle Term*APR*
    Up to 48 as low as 3.24%
    49-60 monthsas low as 3.49%
    61-72 monthsas low as 3.74%

    *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical new auto loan of $30,000 at 3.24% APR would have 47 monthly payments of $519 each month, and would include a balloon payment due at loan maturity of $8,150. Rates current as of August 3, 2021.

  • Used (PaySaver) Vehicle Loans

    Used (PaySaver) Vehicles Term*APR*
    Up to 48 monthsas low as 3.49%
    49-60 monthsas low as 3.74%
    61-72 monthsas low as 3.99%

    *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical new auto loan of $15,000 at 3.49% APR would have 47 monthly payments of $227 each month, and would include a balloon payment due at loan maturity of $5,800. Rates current as of August 3, 2021.

  • New Motorcycle Loans

    New Motorcycle LoansTerm*APR*
    Up to 48 months as low as 2.24%
    49-60 monthsas low as 2.49%
    61-72 monthsas low as 2.74%
    73-84 monthsas low as 3.24%

    *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical new Motorcycle loan of $20,000 at 2.24% APR would have 48 monthly payments of $436.01 each month, with total repayment of $20,928.07. Rates current as of August 3, 2021.

  • Used Motorcycle Loans

    Used Motorcycle Loans Term*APR*
    Up to 48 monthsas low as 2.49%
    49-60 monthsas low as 2.74%
    61-72 monthsas low as 2.99%
    73-84 monthsas low as 3.49%

    *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical used Motorcycle loan of $20,000 at 2.24% APR would have 48 monthly payments of $ 436.01 each month, with total repayment of $20,928.07. Rates current as of August 3, 2021.

  • New Recreational Vehicles

    New Recreational Vehicle LoansTerm*APR*
    Up to 48 monthsas low as 3.24%
    49-60 months as low as 3.49%
    61-72 monthsas low as 3.74%
    73-84 monthsas low as 4.24%
    85-120 monthsas low as 4.49%
    121-180 monthsas low as 4.74%
    181-240 monthsas low as 4.99%

    *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical new RV loan of $25,000 at 3.24% APR would have 48 monthly payments of $556.06 each month, with total repayment of $26,690.87. Rates current as of August 3, 2021.

  • Used Recreational Vehicles

    Used Recreational Vehicle LoansTerm*APR*
    Up to 48 monthsas low as 3.49%
    49-60 monthsas low as 3.74%
    61-72 monthsas low as 3.99%
    73-84 monthsas low as 4.49%
    85-120 monthsas low as 4.74%
    121-180 monthsas low as 4.99%
    181-240 monthsas low as 5.24%

    *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical used RV loan of $25,000 at 3.49% APR would have 48 monthly payments of $ 558.57 each month, with total repayment of $26,824.52. Rates current as of August 3, 2021.

  • New Marine Loans

    New Marine LoansTerm*APR*
    Up to 48 monthsas low as 4.24%
    49-60 monthsas low as 4.49%
    61-72 monthsas low as 4.74%
    73-84 monthsas low as 5.24%
    85-120 monthsas low as 5.49%
    121-180 monthsas low as 5.74%
    181-240 monthsas low as 5.99%

    *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical new Marine loan of $25,000 at 4.24% APR would have 48 monthly payments of $567.18 each month, with total repayment of $27,224.26. Rates current as of August 3, 2021.

  • Used Marine Loans

    Used Marine LoansTerm*APR*
    Up to 48 monthsas low as 4.49%
    49-60 monthsas low as 4.74%
    61-72 monthsas low as 4.99%
    73-84 monthsas low as 5.49%
    85-120 monthsas low as 5.74%
    121-180 monthsas low as 5.99%
    181-240 monthsas low as 6.24%

    *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical used Marine loan of $25,000 at 4.49% APR would have 48 monthly payments of $ 569.98 each month, with total repayment of $27,358.99. Rates current as of August 3, 2021.

  • New Snowmobile, ATV, & Jet Ski Loans

    New Snowmobile, ATV & Jet Ski LoansTerm*APR*
    Up to 48 monthsas low as 4.74%
    49-60 monthsas low as 4.99%
    61-72 monthsas low as 5.24%
    73-84 monthsas low as 5.74%

    *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical new Recreation Equipment loan of $15,000 at 4.74% APR would have 48 monthly payments of $343.68 each month, with total repayment of $16,496.64. Rates current as of August 3, 2021.

  • Used Snowmobile, ATV & Jet Ski Loans

    Used Snowmobile, ATV & Jet Ski LoansTerm*APR*
    Up to 48 monthsas low as 4.99%
    49-60 monthsas low as 5.24%
    61-72 monthsas low as 5.49%
    73-84 monthsas low as 5.99%

    *APR = Annual Percentage Rate. Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical Used Recreation Equipment loan of $15,000 at 4.99% APR would have 48 monthly payments of $345.38 each month, with total repayment of $16,577.97. Rates current as of August 3, 2021.

  • Signature, Personal & Unsecured Loans

    Signature, Personal & Unsecured LoansTerm*APR*
    Up to 24 monthsas low as 5.99%
    25-36 monthsas low as 6.49%
    37-48 monthsas low as 6.99%
    49-60 monthsas low as 7.49%

    *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 5.99% APR would have 48 monthly payments of $117.41 each month, with total repayment of $5,635.30. Rates current as of August 3, 2021.

  • Share Pledge

    TermAPR*
    Up to 144 months4% above share rate

    *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*
    Limited to date of certificate maturity3% above certificate rate

    *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 August 3, 2021 and are subject to change without notice.

CardAPR*Annual Fee
VISA Signature Rewards**As low as 7.24%$0
VISA Traditional Platinum**As low as 6.24%$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 August 3, 2021, 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. Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater.

See full terms and disclosures.

***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. We will no longer be opening new MasterCard accounts as of 8/6/21.

 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. Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater.

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. 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).

     

  • Home Equity Loan

    TermAPR*Payment per $1,000
    60 monthsas low as 3.49%$18.19
    120 monthsas low as 3.74%$10.00
    180 months as low as 4.49%$7.65
    240 monthsas low as 4.74%$6.46
    360 monthsas low as 4.99%$5.37

    *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%. 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.

  • Home Equity Line of Credit

    Home Equity Line of CreditTerm in MonthsAPR*Loan to ValueDraw Period
    Introductory RateFirst 6 monthsas low as 1.99% (After first 6 months, the APR will be 2.75% to 5.75% APR*)Up to 80%120 months
    As low as rate300Prime RateUp to 100%120 months

    *APR = Annual Percentage Rate. Rates and terms are accurate as of August 3, 2021 and are subject to change without notice. The advertised rate is variable and 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 APR will be 2.75% to 5.75%, depending on the factors noted below, and will be subject to change thereafter in accordance with the line of credit documents. If the introductory rate were not offered, the initial APR would be 2.75% to 5.75%. 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 must reimburse 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 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.

  • Home Renovation Loan

    Home Renovation LoanTerm*APR*
    Up to 60 monthsas low as 5.99%
    61-84 monthsas low as 6.24%
    85-108 monthsas low as 6.49%
    109-120 monthsas low as 6.74%
    121-180 monthsas low as 6.99%
    181-240 monthsas low as 7.99%

    *A typical Home Renovation Loan of $30,000 at 6.74% APR would have 120 monthly payments of $344.42 each month, with total repayment of $41,328.80. Rates as of August 3, 2021.

  • Home Improvement Loan

    Home Improvement LoanTerm*APR*
    Up to 24 monthsas low as 5.99%
    25-36 monthsas low as 6.49%
    37-48 monthsas low as 6.99%
    49-60 monthsas low as 7.49%

    *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 5.99% APR would have 48 monthly payments of $117.41 each month, with total repayment of $5,635.30. Rates current as of August 3, 2021.

Please note: rates below are current as of August 3, 2021 and are subject to change without notice.

MortgagesAPR*RateMonthly payment per $1000
30 Year Fixed Rate Conventionalas low as 3.128%as low as 3.000%$4.22
15 Year Fixed Rate Conventionalas low as 2.408%as low as 2.250%$6.55
AmeriCU Veterans Fixed Rate Mortgageas low as 3.088%as low as 3.000%$4.22

*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 August 3, 2021 and are subject to change without notice. View disclosures.

  • Select Business Tiered Money Market Account

    Minimum to Earn APYAPY*Dividend Rate
    $0.01 - $499.990.01%0.01%
    $500.00 - $999.990.01%0.01%
    $1,000 - $2,499.990.03%0.03%
    $2,500 - $9,999.990.07%0.07%
    $10,000 - $24,999.990.15%0.15%
    $25,000 - $49,999.990.25%0.25%
    $50,000 - $99,999.990.35%0.35%
    $100,000 - $249,999.990.70%0.70%
    $250,000 - $999,999.990.80%0.80%
    $1,000,000 and up1.00%1.00%

    *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 - $999.990.01%0.01%
    $1,000 - $2,499.990.03%0.03%
    $2,500 - $4,999.990.05%0.05%
    $5,000 and up0.10%0.10%

    *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 balance0.00%0.00%

    *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
    $2,500.000.01%0.01%

    *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 - 9,999.990.03%0.03%
    $10,000 - 24,999.990.10%0.10%
    $25,000 and up0.15%0.15%

    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 August 3, 2021 and are subject to change without

Select Business CertificatesMinimum Balance to OpenAPY*Dividend Rate
60 Day Term$1,0000.03%0.03%
3 Months Term$1,0000.03%0.03%
6 Months Term$1,0000.19%0.19%
12 Months Term$1,0000.68%0.68%
24 Months Term$1,0000.75%0.75%
36 Months Term$5000.83%0.83%
48 Months Term$5000.85%0.85%
60 Months Term$5000.88%0.88%

*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.