Save more on your own terms.

Whether you’re saving for a short-term goal, or you just want to make sure the savings you do have is earning you the most interest while you save it, an AmeriCU Share Certificate is a safe and secure way to grow your savings, and with terms that fit your schedule, your money is never far when you need it.

Better Rates

Our Share Certificates offer some of our highest yield deposit options, you’ll earn more when you save more.

Greater Flexibility

With a variety of terms and rates available, Share Certificates offer you several options to invest your savings how you see fit.

Set Terms

Since you can’t access your funds until the maturity date, you’ll avoid the temptation to withdraw early.

9 Month Share Certificate

6-Month Share Certificate – 5.00% APY*

Connect with low-risk earning potential! Time is money – let’s make the most of the next six months. You’ll be surprised how much you’re able to save in so little time.

View Disclosures and Current Rates

6 Month Share Certificate

18-Month Share Certificate Special – 4.50% APY**

You work hard for your money – earn more while you save! For a limited time, members can earn our highest dividend available for an 18-month term.

View Disclosures and Current Rates

You may also be interested in

Feature Image

Money Markets

High earning potential and greater flexibility make Money Markets a great, low-risk choice for building savings. It’s like a Share Certificate except you can keep making deposits into the account.

Feature Image

Retirement Savings Accounts

Enjoy a variety of investment options to meet long, medium, or short-term retirement needs with an Retirement Savings Account, more commonly known as an Individual Retirement Arrangement, or IRA. AmeriCU offers both Traditional and Roth IRAs as well as Coverdell Education Savings Accounts.

Feature Image

Financial Planning

If growing funds is your goal, investing may be the right path for you. Let AmeriCU Investments’ Financial Professionals work with you to plan for life’s biggest moments and the goals you have for your financial future.

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

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

Events

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

Education

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.

*Annual Percentage Yields (APYs) current as of 01/30/24 and are subject to change without notice. Minimum balance of $500 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.

**Annual Percentage Yields (APYs) current as of 6/12/23 and are subject to change without notice. Minimum balance of $1,000 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Cannot be combined with any other offer. Membership eligibility is required. Insured by NCUA. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate.