MemberPlus Relationship Tiers

The total value of your deposits, loans, and the financial services you use qualify you for one of four MemberPlus benefit levels; the more you have with AmeriCU – the greater the benefit. Take a look at the MemberPlus tiers below to see which you’d qualify for. Not sure what’s right for you? Let’s connect you with a Member Relationship Advisor!

Core

No minimum total account balances and no minimum service requirements.

Connect

  • $25,000 minimum total account balances.
  • Requires Savings, Checking, Direct Deposit, Online + Mobile Banking, eStatements, and an active AmeriCONNECT Visa Debit.
  • Up to $8 in ATM rebates per month.
  • Share Certificate Rate Enhancement of +0.05%.*
  • Loan Rate Discount of -0.10%.**
  • Closed End Home Equity Loan Rate Discount of -0.10%.***

Connect Plus

  • $100,000 minimum total account balances.
  • Requires Savings, Checking, Direct Deposit, Online + Mobile Banking, eStatements, and an active AmeriCONNECT Visa Debit.
  • Up to $10 in ATM rebates per month.
  • Share Certificate Rate Enhancement of +0.10%.*
  • Loan Rate Discount of -0.25%.**
  • Closed End Home Equity Loan Rate Discount of -0.25%.***

Partner

  • $250,000 minimum total account balances.
  • Requires Savings, Checking, Direct Deposit, Online + Mobile Banking, eStatements, and an active AmeriCONNECT Visa Debit.
  • Up to $15 in ATM rebates per month.
  • Share Certificate Rate Enhancement of +0.15%.*
  • Loan Rate Discount of -0.50%.**
  • Closed End Home Equity Loan Rate Discount of -0.25%.***

Flex

  • No minimum total account balances.
  • Requires Savings, Checking, Direct Deposit, Online + Mobile Banking, eStatements, and an active AmeriCONNECT Visa Debit.
  • Up to $10 in ATM rebates per month.
  • Share Certificate Rate Enhancement of +0.05%.*
  • Loan Rate Discount of -0.10%.**
  • Closed End Home Equity Loan Rate Discount of -0.05%.***

PROTECT WHAT MATTERS MOST.

Offering you additional protection for your loan product to protect you and your loved ones in case life takes an unexpected turn.

Learn More

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Overdraft Protection

Having a check returned due to insufficient funds can be a costly, inconvenient, and potentially embarrassing experience. That’s why we offer Member Privilege, a special overdraft service for members of AmeriCU.

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Account Access

Always on the go? Or, maybe you prefer the comforts of home. Whatever your lifestyle, AmeriCU can connect you wherever you are! We make it easy to manage your money so you can manage your life.

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Online + Mobile Banking

Access your accounts from your desktop or mobile, without ever having to visit a Financial Center, and take advantage of a variety of eServices.

Let's Connect

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


Latest From AmeriCU

AmeriCU News

News

Feb 13, 2024

AmeriCU Credit Union teams up with the Comets Hockey Team to bring family-friendly fun to the community

Join AmeriCU on Friday, February 23 at the Comets Hockey Game for an evening of family-friendly fun. This event will bring together fans, players, and the community for an evening filled with excitement and hockey.

Utica Comets Game Night

Events

Feb 23, 2024

AmeriCU Game Night at Utica Comets

AmeriCU is excited to be the presenting sponsor for this home game. Make sure you stop by the AmeriCU table to say hi and receive a fun giveaway. 

Debt Consolidation

Education

Jan 24, 2024

Debt Consolidation

If you have multiple loans or too much credit card debt, debt consolidation can help you manage your payments, help you save money over time, and possibly lower your interest rates. Debt consolidation can offer great benefits, but it can also come with risks.

*If required products and services are not maintained during the term, your enhanced Share Certificate rate will revert back to the regular Share Certificate rate available at the time of opening, for the remainder of the term. Promotional rate offers do not qualify for rate enhancement.

**Loan Rate Discount applies to eligible loans with automatic payment (payroll distribution, auto-transfer or ACH origination). Marine/RV Loans, Indirect Vehicle Loans, Share-Secured Loans, Share Certificate-Secured Loans, Mortgages, Home Equity Lines of Credit, Home Renovation Loan, Home Improvement Loan, and Credit Cards are not eligible for rate discounts. Promotional rate offers do not qualify for rate enhancement.

***Closed End Home Equity Loan Discount applies to Closed End Home Equity Loans with automatic payment (payroll distribution, auto-transfer or ACH origination) only. Some restrictions apply. Please ask your AmeriCU representative for complete details on current rates, terms, and conditions.

Program requirements and benefits are subject to change at any time without notice. Benefit level qualifications will be reviewed and adjusted quarterly.