Red Alert AmeriCU Holiday Closure Notice: AmeriCU will be closed on Wednesday, November 11th in observance of Veterans Day. You can still access your accounts anytime through Online & Mobile Banking, Use our surcharge-free ATM Network and Interactive ATMs, and get support by visiting americu.org and clicking “Let’s Connect” in the bottom right corner. Thank you for being a valued member! Close

Membership

Grow Where You Belong

Whether you’re building credit, buying a home, planning for college, or saving for something special – we’re here for all of it. We offer guidance, support, and financial tools that are built around you.

When You Join AmeriCU, You Get:

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Belonging Has Its Benefits

Being a member means more than access to great rates – it means having a financial partner who believes in your success.

Just a few reasons our members love belonging to AmeriCU:

Eligibility to Join AmeriCU

Become An AmeriCU Member

As a credit union, AmeriCU is a not-for-profit financial institution owned by the people who bank with us – our members! But – but we’re so much more than a bank! You’re eligible to join AmeriCU if:

  • You live, work, worship, or attend school within AmeriCU’s field of membership, which includes 51-counties in New York
  • You (or a member of your family) is on active duty, retired from service, in the reserves, or a veteran of the U.S. military
  • You are employed by an AmeriCU Business Partner, Trade Group or Association
  • You are an immediate family member of (or live in the household of) an AmeriCU member
  • You are a Member of the AmeriCU Charitable Foundation.

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Areas We Serve

While AmeriCU is everywhere you are with our Virtual Financial Center, our credit union is proud to serve the following 51 counties in New York:

Broome, Cayuga, Chenango, Clinton, Cortland, Essex, Franklin, Fulton, Hamilton, Herkimer, Jefferson, Montgomery, Lewis, Madison, Oneida, Onondaga, Oswego, Otsego, St. Lawrence, Schoharie, Seneca, Tioga, Tompkins, Wayne, Albany, Allegany, Cattaraugus, Chautauqua, Chemung, Columbia, Delaware, Dutchess, Erie, Genesee, Greene, Livingston, Monroe, Niagara, Ontario, Orleans, Rensselaer, Saratoga, Schenectady, Schuyler, Steuben, Sullivan, Ulster, Warren, Washington, Wyoming, and Yates.

Join AmeriCU for the Credit Union Difference

The Credit Union Difference

As a credit union, AmeriCU is a not-for-profit financial institution owned by the people who bank with us – our members – but we’re so much more than a bank! AmeriCU offers:

  • Better rates, with fewer fees.
  • Convenient loan options for everyone, no matter the need.
  • Easy account access so you can connect wherever you are.
  • Savings and checking products designed for your financial future.
  • Real connections – available 24/7 when you need us. Online, in person, and everywhere in between.
Let's Connect

Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!

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In Our Community

AmeriCU values the importance of giving back to the communities where we live and work, it is part of who we are.

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News

Take a look at some exciting things happening at AmeriCU and in our local community!

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Real Connections Matter

AmeriCU has everything you need to connect you where you are with where you want to be.


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