Red Alert Please note: AmeriCU's Offices and Financial Centers will be closing at 1pm on Tuesday, December 24 in observance of Christmas Eve and closed Wednesday, December 25 in observance of Christmas. You can still access your accounts through Online + Mobile Banking, Surcharge-Free ATMs, and AmeriCU's Interactive ATMs.

Please note: AmeriCU's Offices and Financial Centers will be closing at 1pm on Tuesday, December 31 in observance of New Year's Eve and closed Wednesday, January 1 in observance of New Year's Day. You can still access your accounts through Online + Mobile Banking, Surcharge-Free ATMs, and AmeriCU's Interactive ATMs.

SCAM ALERT: As the holiday season begins, fraudsters are are posing as financial institutions in attempt to steal confidential information. If you receive a suspicious call or text from someone claiming to be from AmeriCU, even if the number appears legitimate, hang up and contact us directly at 800-388-2000. We will never contact you to request your account information. Your security is our top priority! Close

Holiday Loan

Get Ready for the Holidays with a Holiday Loan!

The most wonderful time of the year is here, and AmeriCU is making it easier than ever to make your holiday dreams come true! Whether it’s decking the halls, shopping for gifts, or adding a little extra sparkle to your season, our Holiday Loan has got you covered.

Why Choose an AmeriCU Holiday Loan?

  • Low Rates: Starting at just 5.99% APR*
  • Flexible Loan Amounts: Borrow from $500 to $5,000
  • Easy Terms: A convenient 12-month term
  • No Collateral Required: Unsecured loan, so no need to worry about assets!


    • With fixed monthly payments and competitive rates, you’ll have more time to enjoy the holidays without the stress. Don’t let high-interest credit cards hold you back – choose an AmeriCU Holiday Loan and make this season unforgettable.
    apply now!
    AmeriRewards

    Get Into the Spirit and Earn Rewards this Season!

    Make every gift purchase count with AmeriREWARDS! For every transaction, you’ll earn points toward amazing holiday rewards like merchandise, gift cards, travel, cash back, and more! Spread the cheer while you shop and enjoy the season of giving even more.

    Earn More with AmeriCONNECT

  • AmeriCONNECT Visa Debit Card: 1 point for every $5 spent
  • AmeriCONNECT Visa Signature Credit Card: 1.5 points for every $1 spent, 2x points on groceries & gas
  • AmeriCONNECT Visa Rewards Credit Card: 1 point for every $1 spent
  • AmeriCONNECT Visa Business Credit Card: 1 point for every $1 spent


    • Already enrolled? Log into Online or Mobile Banking and select ‘AmeriREWARDS’ to start earning today! Or, click below to learn more about our rewards program!

    Requirements apply. Click here for full details.
    apply now!
    Share Certificates

    Give the Gift of Growth with a Certificate!

    This holiday season, why not give yourself (or a loved one) the gift of savings? AmeriCU Share Certificates are a great way to make your money work harder, with high interest rates and flexible terms.

    **6-Month Share – 4.50% APY
    Looking for a quick, rewarding way to save? This high-rate option lets your money grow in just six months – a perfect short-term gift to boost your savings.

    ***18-Month Share – 4.00% APY
    If you’re in for the long haul, our 18-month Share Certificate offers a competitive rate with a bit more time to grow. Lock in your savings today and watch it blossom over the next year and a half.
    With secure, high-yield options and terms that fit your plans, it’s the gift that keeps on giving.

    Open a Certificate Now!
    Scholarships

    Scholarships Deadline is Fast Approaching!

    We are proud to offer ten $1,000 scholarships to help high school seniors and continuing college students achieve their educational goals. This is a fantastic opportunity to ease the financial burden of tuition and make your dreams a reality.

    Whether you’re about to start your college journey or continuing your education, these scholarships are designed to support students who are passionate about their future. Applications are open now, but the deadline to apply is January 17, 2025.

    Take the next step toward your academic success. We can’t wait to help you on your path!

    apply now!
    Community Giving Contest

    Community Giving Contest winners announced by AmeriCU!

    Announcing the winners of our inaugural Community Giving Contest, an exciting initiative aimed at supporting nonprofit organizations that are making a real impact in our St. Lawrence County and Tompkins County communities!

    The contest was designed to recognize and uplift those who are dedicated to improving the lives of individuals and families, fostering stronger communities, and driving positive social change.

    After receiving an overwhelming number of nominations, we were inspired by the incredible work being done by these organizations and their volunteers. The contest has allowed us to shine a light on those heroes who work tirelessly to make a difference. Each winning nonprofit will receive a grant to further their mission and continue their vital work in the community. Thank you to everyone who participated, and congratulations to all the winners!

    See the Winners!
    St. Lawrence Winners
    Tompkins Winners

    Holiday Fraud Alert

    Stay Alert to Scams and Fraud this Holiday Season

    As you prepare for a joyful and memorable holiday season, it’s important to be aware that scammers and fraudsters are also gearing up for their busiest time of year. With more online shopping, travel bookings, and increased charitable donations during the holidays, these criminals are finding new ways to exploit vulnerabilities and steal your personal an financial information. It’s crucial to stay vigilant and protect yourself, your family, and your finances.

    If you receive a suspicious call or text from someone claiming to be from AmeriCU, even if the number appears legitimate, hang up and contact us directly at 800-388-2000. We will never contact you to request your account information. Your security is our top priority!

    Tips to Protect Yourself
    Fulton Financial Center
    Visit the Fulton Location
    North Utica Relocation
    Visit the North Utica Location

    Dates to Know

    • Wednesday, December 25 | Christmas
    • Wednesday, January 1 | New Year’s Day

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    *APR = Annual Percentage Rate. Rates and terms are determined by overall credit history and are subject to change. Loan approval based on creditworthiness. Estimated monthly payment of $86.28 per $1,000 borrowed, based on 12-month term at 5.99% APR. Maximum loan amount $5,000.  Cannot be combined with any other offer. Membership eligibility required. Equal Housing Lender. Insured by NCUA. Offer ends 01/15/25.

    **Annual Percentage Yields (APYs) current as of 13th December 2024 and are subject to change without notice. Minimum balance of $500 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 (APYs) current as of 13th December 2024 and are subject to change without notice. Minimum balance of $500 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. Cannot be combined with any other offer. Membership eligibility is required. Insured by NCUA. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate.