Whatever your savings goals, AmeriCU has an account for you! Federally insured by NCUA.

Share Savings

Your membership with AmeriCU begins with a Share Savings Account. Start one with a minimum deposit of $5 or more. You’ll be rewarded with dividends, compounded and paid monthly, when you maintain a daily balance of $50 or more. Opt for direct deposit and automatic transfers make building up your savings a breeze

Money Market Accounts

Our Money Market Savings is a great opportunity for the investor who wants liquidity. This account pays tiered rates (as balances increase, rates do too), and provides daily access to your funds. Unlimited additional deposits.

Holiday & Vacation Clubs

Goal-oriented savings plans. Earn dividends, compounded and paid monthly, when an average daily balance of just $50 is maintained. No monthly or per transaction service charges. Unlimited deposits, with no pre-set amounts.

Share Certificates

Whatever your savings needs, our Share Certificates offer you total investment flexibility. You can choose a term of 32 days up to 72 months and earn dividends that are compounded daily and paid monthly.

Now – open and manage your Share Certificates online! If you’re already a member, log in to online banking, choose “Additional Services,” then click on “Open a Deposit Product,” choose “Open an additional/secondary deposit account,” and then follow the instructions on the screen.

Youth Savings Accounts

We’ve encouraged our youngest members (for ages 0-12 years) to save with the Stars & Stripes Account and the Rising Stars Savings Account is available for our young adult members, ages 13-17.

The coolest thing about belonging to AmeriCU is that at the Credit Union, you’re a member and an owner, not just a customer. We return the profits to you in the form of improved products and services. Credit unions are financial cooperatives. That means they are member-owned and operated. The volunteers who serve on the board of directors are elected by and from the membership.

Start saving for your future today with a share savings account from AmeriCU and earn dividends* on your savings.

*The average daily balance required to earn dividends on Regular Share Savings (held by members under 18 years of age), is $0.01. If your average daily balance falls below $0.01 during the dividend period, you will not earn dividends for the period.

Retirement Savings Accounts (IRAs)

With an Individual Retirement Account (IRA) at AmeriCU, you can enjoy a variety of investment options to meet long, medium or short-term needs. As millions of Americans have already discovered, IRAs are one of the best savings tools available today. More people than ever before are now eligible to take advantage of the incredible tax advantages available through IRAs.

Past legislation brought about sweeping changes related to retirement and other savings arrangements. The benefits of the changes include:

  • Increased contribution limits
  • Catch-up contributions for individuals who attain age 50 before the end of the taxable year
  • Increased portability of assets between various plan types
  • Other changes to rollover rules

What makes IRAs such a great savings tool is the special federal tax laws governing the taxation of amounts earned within an IRA. Earnings within Traditional IRAs generally are not taxed until they are distributed from the Traditional IRA. Earnings within Roth IRA and Coverdell Education Savings Accounts generally are not even subject to federal taxes. What’s more, Traditional IRA contributions are tax-deductible for many taxpayers. Over time, these special tax features can result in significantly larger IRA savings accumulations than what can be accomplished in ordinary savings tools.

Health Savings Accounts (HSA) for High-Deductible Health Plans

For members who are enrolled in a High Deductible Health Insurance plan, AmeriCU offers Health Savings Accounts (HSAs). Members can make tax-deductible contributions into their accounts, accumulate tax-deferred earnings and withdraw funds tax-free for qualified medical expenses.

We are pleased to offer this as either a single or a family savings option.

Visit our HSA Service Center>>

Health Savings Accounts Benefits

  • Earn dividends on account balances of $25 or more
  • Add an authorized signer for easy access to qualified medical expenses
  • Ability to carry over contributions
  • Establish a long-term savings alternative
  • Portability of your assets
  • Medical costs are paid with pretax dollars