Big goals start with the right connection.
The AmeriCU Savings Challenge is here!
The AmeriCU Savings Challenge is here to help you build better savings habits and achieve your financial goals in 2026.
3, 6, and 12 Month Share Certificates – 4.00% APY**
An AmeriCU Share Certificate is a safe and secure way to grow your savings, and with terms that fit your schedule!
Virtual Financial Center
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!
Current News and Events
Learn more about some exciting things happening at AmeriCU and in our local community with our latest news and events stories!
Proud to Serve 24 Counties!
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!
Connection matters — even when you’re on the go.
Current Rates
Latest From AmeriCU
News
AmeriCU Credit Union Appoints Small Business Relationship Manager to Support Local Businesses
AmeriCU Credit Union is pleased to announce the appointment of Christiana Carruthers as Small Business Relationship Manager, where she will focus on supporting local businesses in Cortland, Auburn, Fulton, Liverpool, Camillus and Onondaga Hill with personalized financial solutions and hands-on guidance.
Events
Potsdam Summer Fest – Day 2
Potsdam Summer Fest 2026 is a three-day community festival hosted by the Potsdam Chamber of Commerce that transforms Downtown Potsdam into a hub of live music, food, vendors, and family-friendly activities. Thousands of residents and visitors gather to enjoy local performers, artisan and craft vendors, food trucks and eateries, children’s entertainment, community showcases, and special downtown promotions.
Education
A Guide to Student Loans and Financial Aid
Learn about federal and private student loan options, including key differences, costs, and repayment strategies. This guide provides the information you need to make confident borrowing decisions and help finance your education.*APY = Annual Percentage Yield.
**Annual Percentage Yields (APYs) current as of 10th 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.