AmeriCU Proudly Serves Active-Duty Members of the Military, Retirees, Veterans & Their Families

No matter where you’re stationed, whether you are on active-duty, transitioning to civilian life, serve overseas, retired after years of service, a veteran, or in the reserves, AmeriCU stands ready to meet your financial needs. We honor the sacrifices the brave men and women have made for our community and our country. Founded on Griffiss Air Force Base in 1950, we have over 70 years of experience serving our armed forces, their families, veterans, Department Of Defense employees, and retirees.


Military life presents unique challenges and we’re here to partner with you every step of the way. With an easy-to-use mobile banking app, online financial wellness resources, a 24/7 Member Service Center, and specialized products and services for military members, AmeriCU makes banking easy, wherever you are. When you join AmeriCU you’ll get

– Access to over 500 fee-free ATMs for members

– Early pay for Active-Duty members of the military

– A nationwide network of shared branches

– Online & Mobile banking (with free apps for your smartphone and tablet)

– SmartDeposit – deposit checks right from your smartphone!

– Financial wellness resources for members of the military

Our special military products and services are just  a small way we can thank you for all you do for our country. If you or a member of your family is on active-duty, retired after years of service, in the reserves, or a veteran, you’re eligible to join AmeriCU and take advantage of all of the benefits we offer.

Questions? Contact our Member Service Center at 800.388.2000.

If you’re stationed at Fort Drum, please visit our Financial Center on post. Our friendly, local staff – including many veterans – will help you and your family with all of your financial needs before, during, and after deployment. Learn more about AmeriCU’s Financial Center at Fort Drum.

Products + Services You Deserve

Share Savings

  • Earn dividends, compounded and paid monthly, when you maintain a daily balance of $50 or more
  • $5.00 minimum to open
  • Direct Deposit accepted

Members must keep at least $5.00 in a Share Savings Account to maintain AmeriCU membership.

View current share savings rates.

Open an account today.

Other Savings Options

  • Money Market Accounts
  • Share Certificates
  • IRAs
  • Health Savings Accounts
  • Club Accounts
  • Youth Accounts

Learn more about our savings options.

Operation Freedom Link Checking

  • No monthly fees
  • No per check charges
  • Instant Issue VISA® Debit Card
  • ATM access
  • Direct Deposit accepted
  • Overdraft Protections & Member Privilege Courtesy Pay

See all of AmeriCU’s checking options.

Shared Branching

Co-op Shared Branching Centers are a cooperative effort with participating credit unions. They are branch offices, much like an AmeriCU Financial Center, where you can make deposits, withdrawals, balance inquiries, transfer money between accounts, cash checks, and even buy money orders.

Find an AmeriCU Co-op shared branching location.

Easily Manage Your Accounts

  • Free Online & Mobile Banking
  • Transaction & Fraud Alerts
  • 24/7 Member Service Center
  • ATM fee rebates
  • PopMoney – securely pay or receive payment from anyone with an account at any financial institution
  • Free financial education and financial planning

Learn more about our member services.

VA Mortgages

Get a Mortgage Loan guaranteed by the Department of Veterans Affairs. Our experienced lenders are available to help you navigate the application process.

Learn more about AmeriCU mortgages.

ARK Loan

Designed as an alternative to payday lending.

  • No interest, emergency cash loans and free professional counseling to help solve your money problems

Learn more about ARK loans.

Other Products + Services

AmeriCU gives you the right financial services to live life, dream big, and achieve financial success:

Military Resources

Military life is exciting and presents its own challenges – from frequent moving to living abroad and deployments. Our resources are here to help you no matter where the military life takes you.

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. has a wealth of information and resources for you as you’re relocating. View relocation information and resources.

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.

Contact us to get started.

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 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.

Contact us to set up an appointment today.

Please note: ARK Loans are available at AmeriCU’s Fort Drum, Lowville, and Watertown Financial Centers ONLY.

The Pentagon Federal Credit Union Foundation has partnered with AmeriCU to offer an alternative to payday lending: Asset Recovery Kit (ARK) Loans. ARK Loans are a better alternative for solving financial problems than becoming ensnared in the trap of payday loans. Learn more about ARK Loans.

Payday loans are an advance that allows a consumer to get a small amount of cash, for a high fee, on a short-term period against his or her next paycheck. It’s a quick and easy process, where consumers are not turned down due to bad credit. Typically, these lenders do not require much to get the process rolling. Payday lenders do not ask for a credit report; all the member needs is a current pay stub, a form of ID, and a signature on the document. Unfortunately, these types of loans can become a debt trap in which the consumer will continually refinance their debt to the lender at an extremely high interest rate.

APRs can range from 182% to 910%, and the fees range from $10 to $35 per $100 borrowed. People go to payday lenders because they cannot cover their bills; therefore, they fall behind each time they take a loan because of the high fees tacked on top of the principal. They find that have to go back again and the debt keeps growing.

Payday lenders often target the military, with a high concentration of offices near military installations. Payday lenders like the stability of government paychecks, which ensures they’ll get their money back. The upheavals of military life can create financial stresses, making quick fixes seem attractive and sending more people to payday loans. Some personnel do not see the financial trap they are entering. The sad fact is that 60% of security clearances are denied due to financial problems.

We believe that those who truly want to get out of debt deserve a chance at a sound financial future. ARK Loans are available to Active Military Members ONLY and ONLY at AmeriCU’s Fort Drum, Lowville, and Watertown Financial Centers. You cannot apply online or over the phone. You must apply in person, and all subsequent advances must be in person.
Find an AmeriCU location.

How do ARK Loans work?

  • No credit report is pulled.
  • There is a $6.00 application fee for the initial loan and for each subsequent advance.
  • Most recent LES stub is required to apply.
  • Loans will be available with a minimum limit of $100 and a maximum limit of $500; however, the loan amount or advance cannot exceed 80% of your net pay.
  • Loans can be renewed four times after the initial advance (total of five advances in a calendar year).
  • The loan will have a due date of the next payday (no longer than 30 days from the advance). If the next payday is less than five (5) days from the date that the loan application is requested, the payday after the next payday will be the due date.
  • Loans are considered late one (1) day after the due date and a $5.00 late fee will be assessed.
  • Attending FREE financial counseling at the ClearPoint Credit Counseling Solutions is required to get each subsequent advance after the initial loan advance.
  • You must bring a copy of the certificate from Clearpoint Credit Counseling Solutions as proof of the completed counseling before a subsequent advance can be taken.
  • You should set up a direct deposit or automatic transfer for payment. If you prefer not to do this, you must sign permission for AmeriCU to draw on an external checking account.For assistance, contact our Member Service Center at 800.388.2000 or visit your local AmeriCU Financial Center.

Supporting our Troops

At AmeriCU, we believe in supporting the military in every way we can. That includes volunteering our time, sponsoring community events, and donating to causes that are important to us.

Financial Wellness Resources

Military life can be stressful. We’re here with education and resources to help you manage your money at enlistment, deployment, retirement, and beyond. Our interactive, online financial wellness resources make it easy for you to get the information you need to make good financial decisions – on your schedule.

A military credit union

We’ve been serving veterans and the military ever since we were founded on Griffiss Air Force Base in 1950.  Today, many of our employees are veterans, in the reserve, or retired from the military – even at the highest levels of our organization. Our President/CEO retired from the US Army with the rank of Colonel.


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. Learn more about Mountainfest.

Welcome Home Ceremonies

We provide support to the families of soldiers returning home from deployments. When a solider deploys, they make a great sacrifice for us. We’re thrilled to be able to be there to welcome them back and celebrate their return.

Legislative Advocacy

AmeriCU employees and volunteers advocate for the financial well-being of members of the military and veterans by meeting with local, state, and national government leaders. We work to understand the impact of proposed legislation and encourage lawmakers to do what is best for those who have served.

Community Events

We have provided support to the USO, Wounded Warrior Project, AUSA, FMWR, The Moving Wall, and wide variety of other national and local organizations that support troops and veterans.

Photo of crowd at Mountainfest

More from AmeriCU

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Open an Account

You’ll need: Proof of Identity (driver’s license), Proof of residency (if your address isn’t the same as your driver’s license), and a $5.00 initial deposit.

Join today!

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Local. Since 1950.

To us, community means giving back whenever and wherever we can. It means we love where we live just as much as you do. It means your success is our success. Learn more about our community involvement.

Photo of hanging AmeriCU building sign

What’s Shared Branching?

Co-op Shared Branching Centers are a cooperative effort by participating credit unions. They are branch offices, much like an AmeriCU Financial Center, where you can make deposits, withdrawals, balance inquiries, transfer money between accounts, cash checks, buy money orders, and more. Find your nearest AmeriCU Co-Op Shared Branch location.