Whichever loan you choose, you’ll get an easy application process at a competitive rate and the personal service you’ve come to expect. AmeriCU’s personal loans can be used for a variety of reasons, including:

  • Debt Consolidation
  • Home Renovations
  • Household Expenses
  • Legal Expenses
  • Major Life Events
  • Medical Expenses
  • Vacation
  • Vehicle Repairs
  • and more!
Personal Unsecured Loan

Personal Unsecured loan

We all have times when we could use a little extra money. Whether you are making a small purchase, have an unexpected expense, need a vacation, or want to consolidate your debt, a personal loan from AmeriCU is a great choice!

  • Loan amounts ranging from $1,000 to $50,000
  • Terms up to 60-months (12-months per $1,000 financed)
  • This loan option isn’t tied to any of your property as collateral.


View Disclosures and Current Rates
Home Renovation Loan

Home Renovation Loan

Ideal for home improvement projects, this option provides a low, fixed interest rate for the term of the loan. Our team will work with you to minimize processing time so your renovation can start on schedule!

  • Designed for small home improvement projects between $10,000 and $75,000
  • Terms up to 20-years
  • Low, fixed interest rate for the term of the loan.
  • Fixed principal and interest payments
  • Faster loan processing gets you started on your project sooner
  • Proceeds received in lump sum after closing


View Disclosures and Current Rates
Personal Line of Credit

Personal Line of Credit

Plan for the unplanned with our AmeriCU Unsecured Personal Line of Credit. Readily available when you need it most!

  • Loan amounts starting at $500
  • Readily available line of credit, when you need it most


View Disclosures and Current Rates
Certificate and Share-Secured Loans

Certificate and Share-Secured Loans

Secured by funds in either your Share Certificate or Savings account (excluding IRAs, Monkey Markets, Share drafts, Escrow, or any shares secured for credit cards).

  • Borrow 100% of your certificate’s principal balance at 3.00% above the dividend rate for the certificate, or
  • Borrow 100% of your savings available balance at 4.00% above the dividend rate being paid on the share
  • Continue to earn dividends on funds that are secured
  • The amount of the loan cannot exceed the amount of the certificate
  • The loan term must be equal to or less than the certificate term


Share Certificate Pledge Loan Disclosures and Current Rate

Share Savings Account Pledge Loan Disclosures and Current Rate

DEBT PROTECTION

Get the coverage you need to protect what matters most to you with ACUShield Debt Protection from AmeriCU.

Loan Protection

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Loan Protection

Life, Terminal illness, Accidental Dismemberment, Hospitalization, Family Medical Leave, Loss of Life of a Dependent, Disability, or Involuntary Unemployment Claim? We are here to help!

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Credit Cards

Powered by Visa®, AmeriCU cardholders enjoy competitively low rates, no annual fee, and some pretty great benefits.

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MemberPLUS

MemberPlus is AmeriCU’s Relationship Pricing program that lets you use the power of your AmeriCU relationship to enjoy enhanced loan and Share Certificate rates and earn ATM rebates.

Let's Connect

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


Latest From AmeriCU

AmeriCU News

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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

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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

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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.