Start Saving Today!

Find Your Local AmeriCU Become a Member

Are you saving for a down payment on a new house, the perfect wedding day, or maybe even a rainy day fund? AmeriCU’s friendly, local staff can help you make your dreams into goals, build a plan, and set yourself up for success! You’re worth more with AmeriCU.

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.

You're Worth More With AmeriCU: A Guide to Financial Success Booklet Image

What’s the most important step you can take today to help you reach your savings goals? Start!

Even small amounts add up over time. $10 a week becomes $520 in a year. $150 a month turns into more than $9,000 in 5 years. Whatever you can start saving today will help you build a strong financial foundation for your future. It can seem overwhelming to know how to start, but you can download the Guide to Financial Success, to help make saving easy!


AmeriCU has the right financial services to help you start saving today!


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Dedicated Saver Share Certificate

You commit to leaving your money in your account for 3-12 months and earn a higher APY* than a traditional savings account. Plus, since there’s a penalty for early withdrawal, you’ll have to think harder about dipping into your savings when it’s not an emergency! And, with the Dedicated Saver, you’ll set up automatic direct deposits or automatic transfers into the share every month.

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Money Market

Our Money Market Savings is a great choice if you’d like more access to your money than a share certificate, but are still looking for an incentive to keep your money in your account! This account pays tiered rates (as balances increase, rates do too), and provides daily access to your funds with unlimited additional deposits. Six transfers/withdrawals are allowed per month. Transfers/withdrawals in excess of the limit will be charged an excessive transaction fee.


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Share Savings

When you meet the minimum balance requirements of the share, you’ll be rewarded with dividends compounded and paid monthly.* Opt for direct deposit and automatic transfers make achieving your financial goals easy!



All AmeriCU checking shares feature free Direct Deposit, a no-fee VISA® debit card and fee-free access to hundreds of ATMs, free online & mobile banking, no per-check fees, optional Member Privilege overdraft protection, and more!

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These personal savings plans allow you to set aside money for retirement with tax advantages. There are two primary types of IRAs: Traditional and Roth. Depending on which one you choose, you may be able to deduct some or all of your contributions. You also may be eligible for a tax credit equal to a percentage of your contribution**.


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If you are enrolled in a High Deductible Health Insurance plan, AmeriCU offers Health Savings Accounts (HSAs). You can make tax-deductible contributions, accumulate tax-deferred earnings and withdraw funds tax-free for qualified medical expenses** with these special accounts. We offer both single and family savings options. With an AmeriCU HSA, you can earn dividends on account balances of $25 or more, carry over contributions, and establish a long-term savings alternative. HSAs are a great way to plan for medical expenses and to make your money go farther!

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Share Certificates

Whatever your savings goals, AmeriCU’s Share Certificates offer you total flexibility and better rates than traditional savings shares. Choose a term of 32 days up to 72 months and earn dividends that are compounded daily and paid monthly

*APY = Annual Percentage Yield. Full details and current rates available at

**For general informational purposes only. Consult your qualified tax advisor.

***Full details and current rates available at