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:
- Real relationships with people who care
- Access to 100+ financial services
- 24 counties served across New York
- Over 25 friendly local branches
- 30,000+ surcharge-free ATMs
- Full access to mobile + online banking
- A commitment to our community – over $800,000+ in annual giving and 2,000+ hours volunteered
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:
- Rewarding Checking Accounts – Enjoy free checking with rewards or some of the highest dividend rates available.
- Get Paid Early – With direct deposit, access your paycheck up to a day sooner.
- Better Rates, Lower Fees – As a not-for-profit, we give back to you – with better loan rates and fewer fees than traditional banks.
- AmeriCONNECT Visa® Credit Card – Low rates, no annual fee, and amazing rewards.
- Military & First Responder Benefits – Exclusive discounts and products for those who serve – because your service deserves ours.
- Virtual Financial Center – Talk face-to-face with a real person, from wherever you are. Banking made personal, even from afar.
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.
Areas We Serve
While AmeriCU is everywhere you are with our Virtual Financial Center, our credit union is proud to serve the following 24 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, and Wayne
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.
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.
News
Take a look at some exciting things happening at AmeriCU and in our local community!
Real Connections Matter
AmeriCU has everything you need to connect you where you are with where you want to be.
Latest From AmeriCU
News
Missed Our Debt Management Webinar? Watch the Recording On Demand
Our recent Debt Management Webinar provided practical tips for understanding debt, improving credit health, creating a budget, and exploring effective debt repayment strategies. Watch the recording to gain valuable insights and tools that can help you take control of your financial future.
Events
Johnson Park Center Back-to-School Event – August 21, 2026
The Annual Back-to-School Giveaway at the JPG Community Center provides backpacks filled with school supplies, dental hygiene items, and additional food support to local families. Held alongside the organization’s weekly food pantry, the event serves children and families across Oneida, Herkimer, Otsego, Madison, and surrounding counties, with a goal of assisting 2,500 students in 2026.
Education
Creating a Budget for Back-to-School Shopping
This course teaches the fundamentals of creating and managing a budget so you can better understand your income, expenses, and spending habits. By applying these budgeting strategies to back-to-school shopping, you can maximize your money and stay on track with your financial goals.