Why AmeriCU?

Why AmeriCU?

Where to start? Here are just a few of the countless reasons that over 130,000 people in central and northern New York choose AmeriCU every day!

button: Join Today

Reason #335: Great rates!

AmeriCU offers some of the best rates around on deposits and loans. Check it out for yourself at www.americu.org/current-rates.

Reason #153: Excellent service & friendly staff.

We put our members first, and it shows. Our staff consistently achieves the highest marks for satisfaction in the industry. Stop by and see us today! Not sure where your local Financial Center is? Find out here.

Reason #83: We have a long, proud history serving members of the Armed Forces & their families.

AmeriCU was founded on Griffiss Air Force base in 1950. Today, we still have a Financial Center in the Griffiss Business Park, and another on Fort Drum. Many of our employees are former or retired members of the military, and many have spouses who are currently serving so we understand and appreciate the unique demands of military life. Every day, we help thousands of military members all over the world with their financial needs. Find the location nearest you.

Reason #204: Auto loans are quick, easy, and stress-free!

If you’re shopping for a new (or new-to-you) car, but hate the pressure of going to the dealership, come to AmeriCU first. Our friendly staff will sit down with you, and help you get the loan you need. Check out our current rates, visit your local Financial Center, or call our Member Service Center at 1.800.388.2000 to get started today!

Reason #23: We provide our members the right financial services to live life, dream big, and achieve financial success!

As a credit union, we are a not-for-profit financial institution owned by members like you. We provide you with the same products and services as a large, national bank – often with low or no fees, and better rates. We’ve been serving the local community for over 65 years and, in that time, have grown to more than 125,000 members and 19 locations! Open an AmeriCU account with just $5 if you live, work, worship, or attend school in Central or Northern New York. Just call our Member Service Center at 1.800.388.2000, stop by any of our 19 locations, or click here to open an account and join.

Reason #139: We’ve raised our rates on Share Certificates.

To take advantage of these great rates and start saving today, visit your local Financial Center or call 1.800.388.2000! Click here for more information.

Reason #113: Financial Education.

AmeriCU is dedicated to providing the children in our community with a strong foundation for their financial future! AmeriCU’s friendly staff partner with local elementary schools, high schools, and colleges to teach the basics of financial wellness.

Reason #59: Great rates on credit cards.

Use your AmeriCU VISA® credit card for everything you buy and enjoy lower rates, low fees, and the same benefits as many of the top cards from national banks. Looking for a credit card offer with low rates and simplicity? Click here to learn more!

Reason #394: Whether you need free checking, an account that earns dividends, or even a fresh start, AmeriCU has the right checking options to fit your needs!

Whatever your goals, AmeriCU has an account for you! Whether you need free checking, an account that earns dividends, or even a fresh start, AmeriCU has the right checking options to fit your needs! Most AmeriCU checking accounts feature free Direct Deposit, a NO-fee VISA® debit card and ATM access (hundreds of FREE ATMs!), free online & mobile banking (with BillPay, PayPeople person-to-person payments and more), NO per-check fees, check safekeeping, optional Member Privilege overdraft protection, and Money Management, our free online personal financial management tool. Learn more or open an account today!

Reason #363: Our local roots run deep. As a part of the community since 1950, we’re here to stay.

We’ve been serving the community for over 65 years and, in that time, have grown to more than 130,000 members.

Reason #457: 19 convenient locations.

AmeriCU is where you are. Whether you’re in Herkimer, Oneida, Madison, Lewis, Jefferson, Oswego, Onondaga, Cayuga, or Cortland county, AmeriCU is your local credit union. Call our Member Service Center at 1.800.388.2000, visit your local financial center, or open an account online and join today to get started living your life, dreaming big, and achieving financial success!

Reason #103: Over 500 fee-free ATMs for members.

AmeriCU members enjoy the convenience of a network of over 500 fee-free ATMs! In addition to traditional ATMs, AmeriCU also has BIG BLUE kiosks where members can perform most routine banking transactions 24/7. If you have never tried an AmeriCU kiosk, you’ll be impressed by what BIG BLUE can do for YOU – access your accounts; pay your mortgage, loans, and/or credit cards (with or without your VISA check/debit card); transfer funds between shares; stop payments on checks; print official checks; make withdrawals; make deposits (will accept both checks and cash); deposit multiple bills at a time (up to 50); change your address information; print mini-statements; and pre-set your preferences for language, receipts and cash withdrawals. Find the ATM or Kiosk closest to you!

Reason #148: Free online & mobile banking.

With AmeriCU’s online banking including free apps for iPhone & Android, you can manage your money and access your accounts whenever you want! See your checking, savings, and loan transaction histories, make loan payments or transfers, check pending debit card transactions, pay bills, track your spending, set savings goals, send money, order new checks or a copy of a check, check your credit card balances, apply for a loan, set up fraud & transaction alerts – all easily from your phone, tablet or computer! Learn more today.


Terms and conditions apply. For current rates visit www.americu.org/current-rates. Equal Housing Lender. Federally insured by NCUA. Membership restrictions apply.