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Membership

Real Connections Matter

Have you heard? AmeriCU members save more, Earn more,

And have more ways to stay connected than ever before!

Because at AmeriCU? We’re all about real connections.

Online, in-person, and everywhere in between.

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 24-counties in central, southern, and northern 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 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

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.

Proud to serve 24-counties!

We’ve expanded our field of membership to include 15 new counties across the North Country, Mohawk Valley, Central New York, and Southern Tier communities!

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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.


Latest From AmeriCU

AmeriCU News

News

Apr 07, 2026

AmeriCU Introduces New High Rate Money Market Account as Consumers Prioritize Flexible Savings

As consumers continue to adapt to rising costs of living and shifting financial priorities, many are increasingly looking for ways to grow their money without sacrificing access to their funds. In response, AmeriCU Credit Union has introduced a new High-Rate Money Market Account designed to offer both competitive returns and liquidity.

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Events

Apr 23, 2026

AmeriCU & Student Choice College Lending Webinar

AmeriCU is teaming up with Student Choice to host a student lending webinar on Thursday, April 23 from 12 to1 p.m. This free session will focus on the different types of student loans, financing options, and helpful resources, including scholarship search tips. Whether you’re planning ahead or already tackling college costs, this session is a great opportunity to learn and get your questions answered by experts.

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Education

Apr 10, 2026

Teaching Kids to Budget

Teaching kids to budget is like teaching them how to ride a bike. You could be as involved as you’d like, or you could let them learn on their own. One way or another, your kids will create their own financial habits just like they could learn to ride a bike eventually.