What You Get with AmeriCU’s High Rate Checking Account
This dividend-bearing checking account is designed for those who maintain a higher balance and are looking to earn more on what they have. With our 7.00% APY and numerous other perks, your balance will work harder for you.
- Earn 7.00% APY on your first $10,000*.
- Get paid one day early with qualifying direct deposit**.
- No minimum balance to open.
- ATM Rebates available***.
- eStatement enrollment required.
- 12+ debit signature swipes/month required to qualify for dividends.
- Minimum $5,000 loan in good standing required (not including credit cards or student loans). The rate is 6.00% APY without a loan.
Ready to maximize your savings? Start with our High Rate Calculator below
Other Rewarding Checking Account Options!
AmeriCU’s Rewards Checking – Earn Rewards While You Spend!
AmeriCU’s Rewards Checking account earns rewards for every $5 spent.^ You can redeem your reward points for merchandise, travel, or even unlimited cash back!
Plus, earn 10,000 bonus reward points when you set up a qualifying direct deposit, recurring bill payment, or ACH payment in the first 90 days!^^
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
Randy Barnard II Joins AmeriCU Credit Union as Liverpool Financial Center Manager
AmeriCU Credit Union is excited to welcome Randy Barnard II as Financial Center Manager at their Liverpool Financial Center located at 7474 Oswego Road. With more than 20 years of experience in the banking industry, Randy brings extensive knowledge, leadership experience, and a strong commitment to serving members and supporting staff.
Events
Home and Garden Show – Day 1
Every spring, the Home Builders & Remodelers of Central New York, transforms 54,000 square feet of the New York State Fair, Expo Center into a professionally decorated showroom that showcases everything related to residential living.
Education
Debt Repayment
One way to maximize your finances is by paying down your existing debt. Watch as Gabe learns how to take charge of his money and repay his debts.
AmeriCU High Rate Checking Account Disclosures
*Annual Percentage Yields (APY) are current as of February 1, 2025 and the rate may change after the account is opened. Earn 7.00% APY on balances up to $10,000 and 0.15% to 7.00% APY on balances over $10,000 in your account by meeting the below three requirements:
1. Make 12 or more debit signature swipes per monthly statement cycle;
2. Be enrolled with eStatements;
3. Have a minimum $5,000 loan in good standing (not including credit cards or student loans. The rate is 6.00% APY without a qualifying loan.)
If you don’t meet the above requirements, you will earn 0.05% APY on balances up to $10,000, and 0.05% to 0.15% APY on balances over $10,000.
We pay dividends earned by your account at the end of each monthly billing cycle. This is a tiered account.
**If you are an AmeriCU Checking, Savings or Money Market accountholder that has set up a direct deposit with a payor, you may qualify for direct deposit one business day early. Whether a direct deposit is eligible is at our discretion and we cannot guarantee that you will always receive the one-day early service.
***When requirements are met, we will refund up to $25 of foreign ATM fees each monthly statement cycle in one lump sum.
Our monthly statement cycle ends on the last day of each month and statements are generated on the first day of each month. There are no rollover transactions. There is no minimum balance required to open or maintain this account. There is no monthly fee. Fees could reduce earnings. There is a limit of three AmeriCU High Rate or Rewards Checking accounts allowed per member. Courtesy Pay is available to those who qualify.
AmeriCU Rewards Checking Account Disclosures
^To earn rewards from AmeriCU’s Rewards Checking account, members must:
1. Make 12 or more debit signature swipes per monthly statement cycle;
2. Be enrolled with eStatements.
Qualifying debit card sales transactions include each time you use your AmeriCONNECT Visa Debit Card to make a purchase from a vendor or merchant. These transactions must post and clear your account during each monthly payment cycle. ATM and ACH transactions or transfers do not qualify. If you don’t meet the requirements outlined above, you will not earn the rewards.
***When requirements are met, we will refund up to $25 of foreign ATM fees each monthly statement cycle in one lump sum.
^^You will receive 10,000 Bonus Reward Points applied to your account when you have at least one recurring direct deposit, bill payment or ACH credit per month in the first 90 days of your account being opened.
Our monthly statement cycle ends on the last day of each month and statements are generated on the first day of each month. There are no rollover transactions. There is no minimum balance required to open or maintain this account. There is no monthly fee. Fees could reduce earnings. There is a limit of three AmeriCU High Rate or Rewards Checking accounts allowed per member. Courtesy Pay is available to those who qualify.
Membership eligibility is required. Insured by NCUA. Equal Housing Lender.