Why Choose AmeriCU?
At AmeriCU, we’re more than just a financial institution—we’re your financial partner. With over 75 years of trusted service, we’re committed to providing innovative banking solutions that help you build a secure future. When you become a member, you’re not just another account number—you’re part of a community.
AmeriCU was founded with one goal in mind: to help our members achieve financial success. We’re not for-profit, which means that every dollar you invest in your membership helps improve your financial opportunities. We put YOU at the center of everything we do. When you become a member, you become an owner—sharing in our success.
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Financial Center Hours
- Monday 9:00 AM – 4:00 PM
- Tuesday 9:00 AM – 4:00 PM
- Wednesday 9:00 AM – 4:00 PM
- Thursday 9:00 AM – 4:00 PM
- Friday 9:00 AM – 5:00 PM
- Saturday Closed
- Sunday Closed
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24/7 Interactive ATM
What AmeriCU Membership Means for You
When you open an account with AmeriCU, you unlock exclusive access to a range of benefits and services that will help you take control of your financial future:
As a member, you’re not just banking—you’re part of a family, and your voice matters. With us, you’re more than a customer. You’re a member-owner.
Join AmeriCU!
Whether you’re saving for the future, buying your first home, or building your credit, AmeriCU is with you every step of the way. Join us today and experience exceptional service and unbeatable products designed with your best interests in mind.
Become a Member in Just 3 Easy Steps:
1. Apply Online: Sign up and complete your membership application.
2. Fund Your Account: Add funds to your new account.
3. Start Enjoying Benefits: Access your new account and explore all the benefits of being an AmeriCU member!
Meet the Manager
Welcome to AmeriCU!
My name is Christiana Carruthers, I’m the Financial Center Manager at AmeriCU, where I’ve proudly served members for the past five years. Born and raised in Cortland County, I take great pride in supporting the community I call home. In my role, I’m dedicated to guiding individuals toward achieving financial success. I am also honored to serve as a new board member of the Cortland Salvation Army and as a recent graduate of Leadership Cortland, Class of 2025, where I gained new tools and insights to become a stronger leader both personally and professionally.
Outside of work, with my husband, our three children, and two dogs. I love spending quality time with my family, enjoying art classes, and embracing seasonal activities—especially all things fall. Whether at home, in the community, or at the financial center, I strive to bring energy, compassion, and commitment to everything I do. I look forward to helping our members to live life, dream big, and achieve financial success!
Contact Me!
Email: [email protected]
Phone: 315.356.3000 ext.6425
Current Rates
6-Month Share Certificate – 4.00% APY*
A short-term savings option with one of our highest rates! Make the most of the next six months – you’ll be surprised how much you’re able to save in so little time.
Checking Accounts
Earn rewards for your purchases, or a high-rate, with AmeriCU’s new checking accounts! Plus, get an instantly-issued debit card and get paid a day early with qualifying direct deposit.**
Mortgages
Fixed or variable rate? First time homebuyer or veteran? AmeriCU has a mortgage to get you there. It’s still a great time to buy, so make the move with AmeriCU!
Nearby Locations
Texting your zip code to “91989” is a way to find the nearest surcharge-free ATM using the Shared Branching network!
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
AmeriCU Credit Union Welcomes New Financial Center Manager in Auburn
Alina Decker, a professional with more than 15 years of experience has been promoted to Financial Center Manager at AmeriCU’s Auburn branch.
Events
Clarkson University – Volunteer First Responder Appreciation Game
Clarkson University proudly hosts a Volunteer First Responder Appreciation Game at a home Golden Knights hockey matchup.
Education
Using AI in Personal Finance
In today’s fast-paced digital world, managing personal finances has become more complex—and more critical—than ever.*Annual Percentage Yields (APYs) current as of 6th December 2025 and are subject to change without notice. Minimum balance of $500 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
**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.