Honor, integrity, and service you can bank on.

As a credit union with its roots in the military, we understand the unique and exciting challenges that military life presents. We’re here to partner with you every step of the way, that’s why AmeriCU offers great rates on all of our products, exceptional service, and superior lending solutions from a credit union you can trust. 

Military Benefits

Enhanced Benefits for Military Members

At AmeriCU, we’ve improved the way we do business for our military members! Your service deserves ours, that’s why we offer the following benefits:

  • New members may be pre-approved* for a $1,000 AmeriCU Visa® Credit Card and/or $500 Personal Line of Credit at account opening
  • Mortgage products tailored to qualifying veterans and active-duty service members
  • Direct Deposit one day early for military and Department of Defense employees*****
  • Mobile Banking features like SmartDeposit (deposit checks – just by taking a picture!)**
  • Online Banking with free apps for your smartphone or tablet
  • Automatic enrollment in Transaction & Fraud Alerts when you provide your cell phone number at account opening
Our military products and services are designed with your lifestyle in mind and are just a small way we can thank you for your service to our country. If you or a member of your family is on active-duty, retired from service, in the reserves, or a veteran, you’re eligible to join AmeriCU and take advantage of all the benefits we offer!

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.


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?

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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.

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First Responder & 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
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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

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 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 www.MilitaryOneSource.mil or call

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.

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.


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

Learn More

You might also be interested in

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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.

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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.

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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


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


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


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.

**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.