Your Dreams are Within Reach

Wherever you are in life, with AmeriCU’s flexible Share Certificate Savings options,

Your dreams are within reach.


Saving for a House Dreams Share CampaignSaving for a house: She’s saving $100 a month in a Dedicated Saver Certificate with a special 0.50% APY1. Since she set up automatic transfer from her checking account on payday, she doesn’t have to think about saving and isn’t tempted to spend it instead! Plus, she loves that with a 3 month minimum term, she can still get to her money relatively quickly (just in case!).


Saving for the future Dreams Share Campaign

Saving for the future: She opened a 12 month Share Certificate with a special 1.30% APY2 with $2,000 of her tax refund. Each year, she plans to roll her money into a new Certificate, plus increase the principle with her tax refund (if she gets one)!


Saving for retirement Dreams Share Campaign

How? He opened an IRA Share Certificate for 24 months with $5,000 with a special 1.40% APY3.







 

Learn more>>

Open a Share Certificate online today! 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.

You can also open a Share Certificate by visiting one of our 18 Financial Centers or calling 1.800.388.2000.

Not a member? Not a problem! Open an AmeriCU account with just $5 if you live, work, worship, or attend school in Central or Northern New York. Just call, stop by any of our 18 offices, or click here to open an account and join and you’ll see that we treat you like a member, not a number. After all, that is our goal: to deliver such exceptional, personalized service that you wouldn’t dream of going anywhere else for your financial services!


*Annual Percentage Yields (APYs) are current as of 03/22/16 and are subject to change without notice. Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Core Certificate accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. For Flex, Connect, Connect Plus and Partner certificate accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account so long as the required products and services applicable to the relationship levels are maintained. If at any time the required products and services are not maintained for the relationship level, the dividend rate and Annual Percentage Yield will be reduced to the Core rate as disclosed in the Rate Schedule. Fees may reduce earnings.  Rates current as of 03/22/16. After an account is opened, withdrawals of principal are subject to early withdrawal penalties as stated in the Rate Schedule. Withdrawals of dividends are not subject to penalty. Equal Housing Lender. Membership restrictions apply. Federally insured by NCUA.

1 Minimum balance to obtain the stated APY is $50. Depending on the balance, the account may pay no dividends, or pay dividends up to 0.50% Annual Percentage Yield (APY). For Dedicated Saver Share Certificate accounts, you are required to make regular deposits in preselected amounts through payroll distribution or auto transfer from another share account

2 Minimum balance to obtain the stated APY is $1,000. Depending on the balance, the account may pay no dividends, or pay dividends up to 1.30% Annual Percentage Yield (APY).

3 Minimum balance to obtain the stated APY is $1,000. Depending on the balance, the account may pay no dividends, or pay dividends up to 1.40% Annual Percentage Yield (APY).