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.
4.00% APY* Share Certificates
Get 4.00% APY* on 3, 6, 12, and 18‑month share certificates, giving you the freedom to choose a term that truly fits your financial plans. It’s a good way to take advantage of a great rate without having to compromise on timing or convenience.
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18-Month Special – 4.00% APY**
Want to lock in your money for longer? Earn more while you save over the next year and a half with this special – for a limited time only!
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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.
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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.
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.
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.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
Adrienn Blair Named Cortland Financial Center Manager at AmeriCU Credit Union
AmeriCU Credit Union has welcomed Adrienn Blair as the new Financial Center Manager at its Cortland Financial Center. With over 10 years of experience in banking and financial services, Adrienn brings extensive knowledge and a strong commitment to serving members and supporting staff.
Events
AmeriCU’s Home Buying 101 Seminar
Learn more about the home buying process, the mortgage options available to you, the programs you may qualify for, the insurance you’ll need, and how AmeriCU’s mortgage app keeps you connected from application through closing.
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.
*Annual Percentage Yields (APYs) current as of 31st August 2026 and are subject to change without notice. Minimum balance of $50 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 31st August 2026 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. 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.