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Attention Legacy Mountain Valley Members: Important updates regarding the merger are now available. Please visit our Merger Information Page for details. 
This product is a flexible option for a project or series of improvements that don’t have fixed expenses. It offers a low variable interest rate, can be closed in 2 to 3 weeks, and your funds can be easily accessed at any time.
Perfect for any home improvement project, debt consolidation, college expense or vacation, this loan offers a low fixed rate for the life of the loan, and can be closed in 2 to 4 weeks.
Designed specifically for home improvement projects only, this loan offers a low fixed rate for a fixed term and can be closed in 2 to 4 weeks.
Get the coverage you need to protect what matters most to you with ACUShield Debt Protection from AmeriCU.
Loan Protection
Your home is one of your biggest and most precious assets. Make sure you’re protected. Homeowners insurance covers damage from fire, theft, personal injury, vandalism, identity theft and many other losses.
Powered by Visa®, AmeriCU cardholders enjoy competitively low rates, no annual fee, and some pretty great benefits.
Life, Terminal illness, Accidental Dismemberment, Hospitalization, Family Medical Leave, Loss of Life of a Dependent, Disability, or Involuntary Unemployment Claim? We are here to help!
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AmeriCU Credit Union is proud to offer a special Holiday Loan designed to help service members during this season.
Clarkson University proudly hosts a Volunteer First Responder Appreciation Game at a home Golden Knights hockey matchup.
In today’s fast-paced digital world, managing personal finances has become more complex—and more critical—than ever.
1 No closing costs- 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. Extra .25% off valid with automatic payments from AmeriCU checking account. Fees can range from $269 to $5,510. For New York State properties, at loan closing, the Borrower will be required to pay the New York State Mortgage Tax due that exceeds 1% of the mortgage amount.
2 Rates current as of 8th December 2025, introductory rate for the first 6 months as low as 3.99% APR. Afterwards, the APR will be 6.75% to 10.75% APR. 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. Rates and terms are determined by overall credit history, loan-to-value and term of loan, and are subject to change without notice.
3 Rates and terms are determined by overall credit history, loan-to-value and term of loan, and are subject to change without notice.
*Home Equity Line of Credit – Minimum line of credit is $7,500. Applications are subject to credit approval and available for primary and secondary/vacation residences in New York and Florida only.
**Home Equity Fixed Rate Installment Loan – Applications are subject to credit approval and available for primary and secondary/vacation residences in New York and Florida only.
***Home Equity Plus – Cannot be combined with certain types of active AmeriCU home equity or home improvement loans. Applications are subject to credit approval and available for primary and secondary/vacation residences in New York only. The maximum loan-to-value ratio, less first mortgage, of no more than 133%.
