Red Alert Alert: Please ensure that you are only accessing our services through our official website:  https://www.AmeriCU.org or https://www.MyAmeriCU.org for online banking. Be cautious of websites that may appear similar to ours as phishing attempts targeting financial institutions are on the rise. Close


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
Quick Cash

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.
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

You may also be interested in

Feature Image

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!

Feature Image

Credit Cards

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

Feature Image

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.

Let's Connect

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


Latest From AmeriCU

AmeriCU News

News

Apr 07, 2026

AmeriCU Introduces New High Rate Money Market Account as Consumers Prioritize Flexible Savings

As consumers continue to adapt to rising costs of living and shifting financial priorities, many are increasingly looking for ways to grow their money without sacrificing access to their funds. In response, AmeriCU Credit Union has introduced a new High-Rate Money Market Account designed to offer both competitive returns and liquidity.

Most Improved Student Program

Events

May 01, 2026

Syracuse Mets Most Improved Student Game – May 1, 2026

AmeriCU Credit Union proudly partnered with the Syracuse Mets to launch the AmeriCU Most Improved Student Program, celebrating student growth with on‑field recognition and a memorable ballpark experience.

education image

Education

Apr 10, 2026

Teaching Kids to Budget

Teaching kids to budget is like teaching them how to ride a bike. You could be as involved as you’d like, or you could let them learn on their own. One way or another, your kids will create their own financial habits just like they could learn to ride a bike eventually.