2025 AmeriCU Military Impact Report
Founded at Griffiss Air Force Base in 1950, AmeriCU Credit Union has proudly supported service members, veterans, and military families for more than 75 years. In 2025, AmeriCU provided more than $17.3 million in military-discounted lending, invested over $150,000 in military and veteran focused initiatives, and supported thousands of military families through financial education, community partnerships, and outreach programs.
Explore the 2025 AmeriCU Military Impact Report to learn more about how AmeriCU continues to serve those who serve.
Connect Where You Serve
Our Virtual Financial Center offers convenient, real-time assistance tailored for your needs. Enjoy the flexibility of connecting with a financial expert from anywhere. Services include:
- Applying for a Mortgage: Get expert guidance through the mortgage application process.
- Checking and Savings Accounts: Manage your accounts with ease and learn about our competitive interest rates.
- Applying for a Loan: Explore various loan options to fit your financial goals.
- Applying for a Credit Card: Find the right credit card for your lifestyle and financial needs.
- Scheduling a Virtual Video Appointment: Set up a time to meet with a specialist who understands your unique circumstances.
VA Mortgages
As a qualifying veteran or active-duty service member, you can take advantage of our VA mortgage options designed to support your homeownership dreams. Key benefits include:
Contact an AmeriCU Mortgage Executive to get started today
Enhanced Benefits for Military Members
At AmeriCU, we recognize and appreciate your service. Our enhanced benefits are designed specifically for military members and their families. Here’s how we support you:
- Pre-Approval Opportunities: New members may be pre-approved* for a $1,000 AmeriCU Visa® Credit Card and/or a $500 Personal Line of Credit at account opening, giving you immediate purchasing power.
- Customized Mortgage Products: Access specialized mortgage solutions tailored to meet the unique needs of veterans and active-duty service members.
- Early Direct Deposit: Receive your military pay and benefits one day earlier, ensuring you have access to your funds when you need them most.*****
- Mobile Banking Features: Use SmartDeposit to easily deposit checks by simply taking a photo—no need to visit a branch.**
- Comprehensive Online Banking: Our user-friendly e-services allow you to manage your finances on-the-go, track spending, and transfer funds with ease.
- Fraud Alerts: Automatically enroll in transaction and fraud alerts by providing your cell phone number at account opening, enhancing your financial security.
Military Loan Discount Program
Loan discounts available to qualifying*** members of the Military and First Responders:
- Home Improvement
- Vehicles, Motorcycles, Marine
- Recreational Vehicles
- Personal Unsecured Loans
Hear from Our Service Members
“My experience with AmeriCU Credit Union was nothing short of spectacular. While purchasing a home in New York from Texas and managing my wife’s cancer treatment, AmeriCU provided exceptional support every step of the way. The team kept me informed throughout the process and treated my family with genuine care and compassion.” – Jeff, AmeriCU Member
Get Paid a day early
AmeriCU members may now get paid one business day early with qualifying direct deposit! There’s no enrollment required; it’s included as part of our standard direct deposit feature.
Military Loan Discount Program
Loan discounts available to qualifying*** members of the Military and First Responders: Home Improvement Vehicles, Motorcycles, and Marine Recreational Vehicles Personal Unsecured Loans
Easy online and mobile banking
Including remote deposit, pay-a-person, and credit score monitoring
AmeriCONNECT Visa® Cards
New members may be pre-approved* for a $1,000 AmeriCONNECT Visa Card and/or $500 Personal Line of Credit at account opening.
Mortgages
Products tailored to qualifying veterans and active-duty service members on their journey to homeownership.
Direct Deposit
One day early for military and Department of Defense employees. ****
Why AmeriCU?
Military
AmeriCU proudly serves military members and their families. No matter where you’re stationed, AmeriCU stands ready to meet your financial needs, no matter where life takes you.
Account Access
Account access to more than 30,000 surcharge-free ATMs and 5,000 shared branches nationwide.
Salute to the Troops Tribute Concert at Mountainfest
Since 2011, AmeriCU has been proud to present the Salute to the Troops Tribute Concert at Mountainfest, to thank the soldiers of the United States Army, 10th Mountain Division, Fort Drum for their valiant service to our country.
Military Resources
At AmeriCU, we believe in building lasting relationships with our military members. Our commitment to your financial well-being goes beyond traditional banking; it’s about creating a community that supports your goals and values. We understand that relocating can be a stressful time for any family; we have gathered some resources for you to help make your move as smooth a transition as possible. Military.com has a wealth of information for this transition: View relocation information and resources.
Discover how we can help you achieve financial success. For more information or to speak with a representative, please reach out to our customer service team or visit your nearest AmeriCU financial center. Thank you for your service—we’re honored to serve you!
Whether it’s one-on-one, at a workshop, in a classroom, or online, AmeriCU is here to help you with all of your financial needs. Our knowledgeable staff will help guide you through the process of creating budgets, developing payment plans, and repairing your credit while establishing savings goals.
Get started with AmeriCU’s online financial wellness tools.
When preparing for deployment, one of the most important things you can do is ensure that your finances are in order and will be taken care of while you are away. Our experienced staff is available to assist you with the preparation of your financial affairs while you prepare to deploy. Learn more about AmeriCU’s Fort Drum Financial Center.
You can download the Military Deployment Guide here. This comprehensive guide to preparing for deployment was created by The Department of Defense’s Military OneSource. OneSource provides trusted information, answers and support on every aspect of military life 24/7/365 — private non-medical counseling and a range of specialty consultations are available at no cost to active duty, National Guard, reserve service members (regardless of activation status), their families and survivors. Learn more at www.MilitaryOneSource.mil or call
800-342-9647.
The Servicemembers Civil Relief Act (SCRA) is a program that provides legal and financial protections for you when you are on active duty. Make sure you’ve taken care of your loans and understand your options while deployed. Learn more about the SCRA.
On January 1, 2018, the military modernized its retirement plan by moving to the blended retirement system. Similar to an employer-sponsored 401(k) plan, the Thrift Savings Plan (TSP) helps you save for retirement while supplementing your military retirement pay. Learn more about saving for retirement.
AmeriCU has knowledgeable staff to help you answer any of your questions about the Thrift Savings Plan.
More Great AmeriCU Benefits
- Fee-free access to ATMs at any AmeriCU location, Wegmans, Cliff’s Local Markets, Stewart’s Shops, and some Byrne Dairy locations
- Account access anywhere in the country with over 30,000 surcharge-free CO-OP ATMs available in network.**
- Financial counseling so you can review your credit reports, discuss budgeting and financing options, set long-term financial goals, and more.
You might also be interested in
Salute to the Troops
Since 2011, AmeriCU has been proud to present the Salute to the Troops Tribute Concert at Mountainfest, a day-long event, free and open to the public, to thank the soldiers of the United States Army, 10th Mountain Division, Fort Drum for their valiant service to our country.
Virtual Financial Center
Here, you can do nearly anything virtually that you can do inside one of our financial centers, including talking with a live member of our team! It’s convenient, easy, and available wherever you go.
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
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
AmeriCU Credit Union Appoints Small Business Relationship Manager to Support Local Businesses
AmeriCU Credit Union is pleased to announce the appointment of Christiana Carruthers as Small Business Relationship Manager, where she will focus on supporting local businesses in Cortland, Auburn, Fulton, Liverpool, Camillus and Onondaga Hill with personalized financial solutions and hands-on guidance.
Events
Potsdam Summer Fest – Day 3
Potsdam Summer Fest 2026 is a three-day community festival hosted by the Potsdam Chamber of Commerce that transforms Downtown Potsdam into a hub of live music, food, vendors, and family-friendly activities. Thousands of residents and visitors gather to enjoy local performers, artisan and craft vendors, food trucks and eateries, children’s entertainment, community showcases, and special downtown promotions.
Education
A Guide to Student Loans and Financial Aid
Learn about federal and private student loan options, including key differences, costs, and repayment strategies. This guide provides the information you need to make confident borrowing decisions and help finance your education.
*Restrictions may apply. Not all members will qualify. Call 800.388.2000 for details.
**Data carrier rates may apply.
***Qualifying first responders for this program include: active service members, veterans, firefighters, police officers, Corrections Officers, EMTs and paramedics. You may be asked to provide your first responder work ID as proof of qualification. Program subject to change or discontinuance.
****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.
Equal Housing Lender. Membership eligibility required. Insured by NCUA.