Connect with the equipment you need to grow your business.
- Rates as low as 4.25% APR* on new or used business equipment.
- Loans up to $5,000,000.
- A business lending partner who will work with you to help your business thrive!
- Economic benefits of the New York State Excelsior Linked Deposit Program.
Connect With Our Business Lending Team!
Mike Cook
Small Business Relationship Manager | With Offices Located in Herkimer, Commercial Drive, North Utica, Rome, and Griffiss Park
Christiana Carruthers
Small Business Relationship Manager | With Offices Located in Cortland, Auburn, Onondaga Hill, Liverpool, Camillus, and Fulton
Todd Stiles
Small Business Relationship Manager | With Offices Located in Fayetteville, Thompson Rd, Cicero, Armory Square, Cazenovia, and Oneida
315.356.3000 ext. 6249
Excelsior Linked Deposit Program
AmeriCU participates in the Excelsior Linked Deposit Program (LDP) offered by Empire State Development. The LDP is an economic development initiative created to encourage and assist small businesses within New York. This reduced-rate financing program allows qualifying business to make investments to undertake eligible projects that will contribute to improving their productivity, performance, and competitiveness. The LDP helps strengthen small businesses by making borrowing less expensive.
Interested in LDP? Stop into one of AmeriCU’s Financial Centers to start the application process or contact us to learn more.
AmeriCONNECT Visa® Business Rewards Credit Card
Featuring great, low rates, contactless payment, and zero liability from fraud, making them the perfect card for your everyday business needs!
Business Credit CardYou may also be interested in
Business Deposits
Managing customers, cash flow and expenses can demand a lot of your time. That’s why AmeriCU has designed deposit account solutions with your business in mind.
Cash Management Services
Enjoy a seamless and personalized experience that meets the demands of your business with our online and mobile services including ACH, Automatic Bill Pay, Remote Deposit, and more.
Commercial Insurance
Your business is big business to us! 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.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
Upstate University Hospital’s Mammography Van to visit the AmeriCU Financial Center in Auburn on July 21
Upstate University Hospital’s Mammography Van will visit the AmeriCU Financial Center at 295 Grant Ave. Auburn, NY 13021, on Tuesday, July 21, 2026. The screenings will be available between 9a.m. and 3p.m. Appointments are recommended for women who want to get a mammogram, to ensure they will be seen that day.
Events
New Hartford Firemen’s Benevolent Association Fire Truck Spectacular
The New Hartford Firemen’s Benevolent Association Fire Truck Spectacular is a free, family‑friendly community event held at Sangertown Square, featuring over 70 fire trucks and emergency response vehicles from across the region. Attendees can explore the vehicles, meet local firefighters, and enjoy food trucks and activities in a fun, interactive environment.
Education
A Guide to Student Loans and Financial Aid
Learn about federal and private student loan options, including key differences, costs, and repayment strategies. This guide provides the information you need to make confident borrowing decisions and help finance your education.
*APR = Annual Percentage Rate. Rates and terms are determined by overall credit history and are subject to change. Loan approval based on creditworthiness. Advertised rate is for new and used business equipment purchases and includes applicable loan discounts through AmeriCU and the New York State Excelsior Linked Deposit Program. Not all borrowers will qualify. Estimated monthly payment of $22.73 per $1,000 borrowed based on 48-month term at 4.25% APR. Maximum loan amount $5,000,000. Maximum loan term 60-months. Cannot be combined with any other offer. Membership eligibility required. Equal Housing Lender. Insured by NCUA. Offer ends 03/31/2026. Learn more about the NYS Excelsior Linked Deposit Program.