The Credit Union Difference
As a credit union, AmeriCU is a not-for-profit financial institution owned by the people who bank with us – people like you – but we’re so much more than a bank! When you join AmeriCU, we offer you:
- Better rates, with lower (or no) fees. Check out our rates.
- Convenient loan options for every occasion.
- Easy account access so you can connect wherever you are.
- Savings and checking products designed for your financial future.
- Real connections – available 24/7 when you need us.
AmeriCU connects you with…
The right people
Get personalized guidance, financial wellness, counseling, and more. Our certified counselors and advisors can assist you with anything from budgeting to setting long-term goals, helping you navigate financial hardships, invest for the future, and insure what matters most to you.
The right products and services
Whether you’re looking for a checking or savings account, want to invest in your future with an IRA, need a great rate on a mortgage or home equity loan, or any of our other great products and services – you’ve come to the right place.
The right technologies
With great technology comes great possibility! AmeriCU is transforming to combine more self-serve technology with our traditional full-service options, with an emphasis on enhanced services and a more streamlined banking experience.
Checking + Debit
Savings + Certificates
Personal Loans
Mortgage + Home Equities
Business Banking
Retirement + Financial Planning
Insurance + Medicare Agents
Certified Financial Counselors
Easy Ways to Access
Places to Bank
Interactive ATMs
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
Missed Our Debt Management Webinar? Watch the Recording On Demand
Our recent Debt Management Webinar provided practical tips for understanding debt, improving credit health, creating a budget, and exploring effective debt repayment strategies. Watch the recording to gain valuable insights and tools that can help you take control of your financial future.
Events
Johnson Park Center Back-to-School Event – August 21, 2026
The Annual Back-to-School Giveaway at the JPG Community Center provides backpacks filled with school supplies, dental hygiene items, and additional food support to local families. Held alongside the organization’s weekly food pantry, the event serves children and families across Oneida, Herkimer, Otsego, Madison, and surrounding counties, with a goal of assisting 2,500 students in 2026.
Education
Creating a Budget for Back-to-School Shopping
This course teaches the fundamentals of creating and managing a budget so you can better understand your income, expenses, and spending habits. By applying these budgeting strategies to back-to-school shopping, you can maximize your money and stay on track with your financial goals.