The millennium brought a major transformation. In 2000, Up State Federal Credit Union transitioned from a federal charter to a New York State community-chartered credit union, expanding its membership eligibility to serve a broader range of members across the state. With the charter conversion came the name change to AmeriCU Credit Union. That year, AmeriCU Credit Union celebrated its 50th anniversary, marking five exciting decades of service and growth.

In 2006, the Griffiss Financial Center was built, strengthening the Credit Union’s presence in its Rome community roots. Technological advancements also played a key role in AmeriCU’s expansion. In 2009, just two years after the launch of the first-ever iPhone, AmeriCU introduced Go Mobile, making banking more accessible through mobile devices.