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
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
Quick Cash
- Always Available – If you are over 18 years old and have been an AmeriCU member for a minimum of 6-months, you can apply anytime, anywhere in Online+Mobile Banking!
- Instant Decision and Instant Funding 24-hours a day!
- Loan amounts from $300-2,000 with no credit check required!
- 12-month terms with automatic payments for stress-free repayment.
- $20 application fee, regardless of approval.
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
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
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 ProtectionPersonal Loan Calculators
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Credit Cards
Powered by Visa®, AmeriCU cardholders enjoy competitively low rates, no annual fee, and some pretty great benefits.
Checking + Debit
AmeriCU offers a suite of checking products designed with your needs in mind, complete with an instantly issued debit card for immediate use.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
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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.
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The New Hartford Firemen’s Benevolent Association Fire Truck Spectacular is a free, family‑friendly community event held at Sangertown Square, featuring over 70 fire trucks and emergency response vehicles from across the region. Attendees can explore the vehicles, meet local firefighters, and enjoy food trucks and activities in a fun, interactive environment.
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.