Please note: Please note that the lobbies at our Peru, Keeseville, AuSable Forks, and Wilmington Financial Centers are currently closed. Transactions can still be completed through our drive-thrus, ITMs, Online & Mobile Banking, or by clicking "Let's Connect" in the lower-right corner for assistance. Thank you.
The AmeriCU Savings Challenge is here to help you build better savings habits and achieve your financial goals in 2026.
An AmeriCU Share Certificate is a safe and secure way to grow your savings, and with terms that fit your schedule!
Here, you can do nearly anything virtually that you can do inside one of our financial centers, including talking with a live member of our team!
Learn more about some exciting things happening at AmeriCU and in our local community with our latest news and events stories!
We’ve expanded our field of membership to include 15 new counties across the North Country, Mohawk Valley, Central New York, and Southern Tier communities!
*APY = Annual Percentage Yield.
**Annual Percentage Yields (APYs) current as of 28th July 2026 and are subject to change without notice. Minimum balance of $50 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
***Annual Percentage Yields (APY) are current as of February 1, 2025 and the rate may change after the account is opened. Earn 7.00% APY on balances up to $10,000 and 0.15% to 7.00% APY on balances over $10,000 in your account by meeting the below three requirements:
1. Make 12 or more debit signature swipes per monthly statement cycle;
2. Be enrolled with eStatements;
3. Have a minimum $5,000 loan in good standing (not including credit cards or student loans. The rate is 6.00% APY without a qualifying loan.)
If you don’t meet the above requirements, you will earn 0.05% APY on balances up to $10,000, and 0.05% to 0.15% APY on balances over $10,000.
We pay dividends earned by your account at the end of each monthly billing cycle. This is a tiered account.
****Applications subject to credit approval. Offer valid on new and used auto, motorcycle, power sports, residential equipment, marine, Paysaver auto loans, and recreational vehicle loans. Maximum loan term varies by loan type, but not to exceed 84 months. Interest begins accruing on date loan is opened and will be amortized over the monthly payments. AmeriCU loans are eligible for refinance with minimum $1,000 cash out/disbursement required. Programs, rates, terms and conditions subject to change without notice. Loans subject to credit approval. Other restrictions may apply. Offer expires 8/31/26. Membership eligibility is required. Insured by NCUA.
