CURRENT RATES
AmeriCU offers our members some of the highest deposit rates, lowest loan rates, and best service around!
*APR = Annual Percentage Rate. Rates and terms are accurate as of 24th November 2024, and are subject to change without notice. Rates are determined by creditworthiness and other factors at the time of application. Credit limits based on ability to repay.
**0% Introductory APR is valid on purchases made within the first 12-months and balance transfers made within the first 60-days of card opening. Offer is not valid on existing cards or balance transfers made from existing AmeriCU credit cards or loans. When the introductory period expires, APR will revert back to the Standard APR. Standard APR may vary and is based on adding a margin to the Prime Rate. Standard APR will not exceed 17.99% APR. A 3% APR balance transfer fee will be applied to any balance transfers made within the first 60 days of account opening. The APR range for purchases and balance transfers following the introductory period is 16.40%-17.99%. Rates are determined by creditworthiness and other factors at time of application. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July, and October) and changes are effective as of the first date of your next billing cycle. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee is $10.00 or 3% of the amount of each cash advance, whichever is greater. 20,000 Bonus Reward Points applied when $1,000 is spent in the first 90-days.
*APR = Annual Percentage Rate. Rates and terms are accurate as of 24th November 2024, and are subject to change without notice. Rates are determined by creditworthiness and other factors at the time of application. Credit limits based on ability to repay.
**Rates are determined by creditworthiness and other factors at time of application. The Annual Percentage Rate (APR) for purchases and balance transfers is 15.90%. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater.
*APR = Annual Percentage Rate. Rates and terms are accurate as of 24th November 2024, and are subject to change without notice. Rates are determined by creditworthiness and other factors at the time of application. Credit limits based on ability to repay.
**0% Introductory APR is valid on purchases made within the first 12-months and balance transfers made within the first 60-days of card opening. Offer is not valid on existing cards or balance transfers made from existing AmeriCU credit cards or loans. When the introductory period expires, APR will revert back to the Standard APR. Standard APR may vary and is based on adding a margin to the Prime Rate. Standard APR will not exceed 17.99% APR. A 3% APR balance transfer fee will be applied to any balance transfers made within the first 60 days of account opening. The APR for purchases and balance transfers following the introductory period is 17.99%. Rates are determined by creditworthiness and other factors at time of application. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July, and October) and changes are effective as of the first date of your next billing cycle. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee is $10.00 or 3% of the amount of each cash advance, whichever is greater. 10,000 Bonus Reward Points applied when $500 is spent in the first 90-days.
see full terms and disclosures
*APR = Annual Percentage Rate. Rates and terms are accurate as of 24th November 2024, and are subject to change without notice. Rates are determined by creditworthiness and other factors at the time of application. Credit limits based on ability to repay.
**1.99-4.99% Introductory APR is based on credit score and is valid on purchases made within the first 6-months and balance transfers made within the first 60-days of card opening. Offer is not valid on existing cards or balance transfers made from existing AmeriCU credit cards or loans. When introductory period expires, APR will revert back to the Standard APR. Standard APR may vary and is based on adding a margin to the Prime Rate. Standard APR will not exceed 17.99% APR. The APR range for purchases and balance transfers following the introductory period is 13.40%-17.99%. Rates are determined by creditworthiness and other factors at time of application. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July, and October) and changes are effective as of the first date of your next billing cycle. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater.
| Share Savings | Minimum to Earn APY | APY* | Dividend Yield |
|---|---|---|---|
| $0.01 min. balance to open | $50 – $999.99 | 0.01% | 0.01% |
| $1,000 – $2,499.99 | 0.03% | 0.03% | |
| $2,500.00 – $4,999.99 | 0.05% | 0.05% | |
| $5,000 and up | 0.10% | 0.10% |
| Stars and Stripes Share Savings | Minimum to Earn APY | APY* | Dividend Yield |
|---|---|---|---|
| For members age 0-12. | $0.01 – $999.99 | 0.01% | 0.01% |
| $0.01 min. balance to open | $1,000 – $2,499.99 | 0.03% | 0.03% |
| $2,500.00 – $4,999.99 | 0.05% | 0.05% | |
| $5,000 and up | 0.10% | 0.10% |
| Rising Stars Share Savings | Minimum to Earn APY | APY* | Dividend Yield |
|---|---|---|---|
| For members age 13-17. | $0.01 – $999.99 | 0.01% | 0.01% |
| $0.01 min, balance to open. | $1,000 – $2,499.99 | 0.03% | 0.03% |
| $2,500.00 – $4,999.99 | 0.05% | 0.05% | |
| $5,000 and up | 0.10% | 0.10% |
| Holiday & Vacation Clubs | Minimum to Earn APY | APY* | Dividend Yield |
|---|---|---|---|
| $50 – $999.99 | 0.01% | 0.01% | |
| $1,000 – $2,499.99 | 0.03% | 0.03% | |
| $2,500.00 – $4,999.99 | 0.05% | 0.05% | |
| $5,000 and up | 0.10% | 0.10% |
| Health Savings Accounts** | Minimum to Earn APY | APY* | Dividend Yield |
|---|---|---|---|
| $25.00 to $2,499.99 | 1.00% | 1.00% | |
| $2,500.00 to $4,999.99 | 1.10% | 1.09% | |
| $5,000.00 to $9,999.99 | 1.20% | 1.19% | |
| $10,000.00 to $49,999.99 | 1.30% | 1.29% | |
| $50,000.00 to $99,999.99 | 1.40% | 1.39% | |
| $100,000.00 and up | 1.50% | 1.49% |
| Secured Visa Savings Share Accounts*** | Minimum to Earn APY | APY* | Dividend Yield |
|---|---|---|---|
| $50 – $999.99 | 0.01% | 0.01% | |
| $1,000 – $2,499.99 | 0.03% | 0.03% | |
| $2,500.00 – $4,999.99 | 0.05% | 0.05% | |
| $5,000.00 and up | 0.10% | 0.10% |
*APY = Annual Percentage Yield. Savings accounts have variable rates and, if applicable, pay dividends compounded and paid monthly. Rates current as of 24th November 2024. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings.
**Available to qualified individuals covered by a High Deductible Health Plan. HSAs are Health Savings Accounts. Single and family options available.
***Available to members with our Secured VISA product only.
*APY = Annual Percentage Yield. This variable rate savings option pays dividends compounded and paid monthly. Rates current as of 24th November 2024. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings on account.
*APY = Annual Percentage Yield. These accounts have variable rates and, if applicable, pay dividends compounded and paid monthly. Rates are current as of 24th November 2024 and may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings.
Please note: Rates below are current as of 24th November 2024 and are subject to change without notice. View Disclosures.
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates current as of 24th November 2024 and are subject to change without notice. Rates may change after account is opened.
**Annual Percentage Yields (APY) are current as of March 12, 2024 and are subject to change without notice. Rates may change after the account is opened. Fees may reduce earnings on accounts. Earn 4.00% APY on balances up to $10,000 and 0.15% to 4.00% APY on balances over $10,000 in your account by meeting the below two requirements:
- Make 12 or more debit signature swipes per monthly statement cycle;
- Be enrolled with eStatements.
If you don’t meet the above requirements, you’ll earn 0.05% APY. You will earn 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.
When requirements are met, we will refund up to $25 of foreign ATM fees each monthly statement cycle in one lump sum.
Our monthly statement cycle ends on the last day of each month and statements are generated on the first day of each month. There are no rollover transactions. There is no minimum balance required to open or maintain this account. There is no monthly fee. Fees could reduce earnings. There is a limit of three AmeriCU High Rate or Rewards Checking accounts allowed per member. Member Privilege is available to those who qualify.
***Available to qualified individuals covered by a High Deductible Health Plan. HSAs are Health Savings Accounts. Single and family options available. Eligible account balances earn dividends, which are compounded and paid monthly
Home Equity Plus loan – 2nd lien
*APR = Annual Percentage Rate. Loan rates and terms are current as of 24th November 2024 and are based on each applicant’s credit history and underwriting guidelines, are subject to change without notice, and may vary from those shown. Applications are subject to credit approval. Rates are based on a combined loan-to-value (CLTV) up to 133%. A typical Home Equity Plus Loan of $10,000 at 7.74% APR would have 60 monthly payments of $201.52 each month, with total repayment of $12,091.03. 2nd Lien or Home Equity loans are secured by a loan on property. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $234 to $3,700. Cannot be combined with certain types of active AmeriCU home equity or home improvement loans – call 800.388.2000 for details. Equal Housing Lender. Insured by NCUA. Membership eligibility is required.
1st lien- Home Equity Loan
*APR = Annual Percentage Rate. Loan rates and terms are current as of 24th November 2024 and are based on each applicant’s credit history and underwriting guidelines, are subject to change without notice, and may vary from those shown. Applications are subject to credit approval. Rates are based on a combined-loan-to-value (CLTV) up to 80%. 1st Lien or Home Equity loans are secured by a loan on property. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $35 to $1500. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.
2nd lien- Home Equity loan
*APR = Annual Percentage Rate. Loan rates and terms are current as of 24th November 2024 and are based on each applicant’s credit history and underwriting guidelines, are subject to change without notice, and may vary from those shown. Applications are subject to credit approval. Rates are based on a combined-loan-to-value (CLTV) up to 100%. 2nd Lien or Home Equity loans are secured by a loan on property. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $35 to $1500. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.
*APR = Annual Percentage Rate. Rates and terms are current as of 24th November 2024 and are subject to change without notice. Minimum line of credit is $7,500. The introductory rate is available on Home Equity Lines of Credit with a loan-to-value ratio, less first mortgage, of no more than 80%. After first 6 months, the variable APR may vary monthly based on the Prime Rate published in the Wall Street Journal and may be subject to change thereafter in accordance with the line of credit documents, not to exceed 15% APR. Applications are subject to credit approval. The current Prime Rate is 7.75% APR, effective November 8, 2024. Rates and terms are determined by overall credit history, loan-to-value and term of loan, and are subject to change without notice. Up to 100% CLTV: The advertised rate is available on Home Equity Lines of Credit with a loan-to-value ratio, less first mortgage, of no more than 100%. The variable rate APR would be equal to the Prime Rate, and may increase or decrease but not to exceed 15.00% APR. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $35 to $1500. A Home Equity Line of Credit is secured by a lien on real property. Property insurance is required to open a Home Equity Line of Credit. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.
*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.
*A typical Home Renovation Loan of $10,000 at 9.49% APR would have 48 monthly payments of $251.18 each month, with total repayment of $12,056.81. Rates are current as of 24th November 2024 and are subject to change without notice.
*APR = Annual Percentage Rate. Loan rates and terms are current as of 24th November 2024 and determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical auto loan of $20,000 at 5.99% APR would have 48 monthly payments of $469.61 each month, with total repayment of $22,541.28. **84-month term requires a minimum loan amount of $40,000. ***96-month term requires a minimum loan amount of $50,000, max loan to value of 110%, and age must be new to 3-years maximum.
*APR = Annual Percentage Rate. Loan rates and terms are current as of 24th November 2024 and determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical Recreation Equipment loan of $15,000 at 6.99% APR would have 48 monthly payments of $359.12 each month, with total repayment of $17,237.76.
*APR = Annual Percentage Rate. Loan rates and terms are current as of 24th November 2024 and determined by each individual’s credit history, underwriting factors, and are subject to change without notice. Applications are subject to credit approval. A typical unsecured loan of $5,000 at 9.25% APR would have 48 monthly payments of $125.02 each month, with total repayment of $6,000.94.
*APR = Annual Percentage Rate. Loan rates and terms are current as of 24th November 2024 and determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Secured by any share account (except checking or IRA). A typical Share Pledge of $2,000 at 4.70% APR would have 24 monthly payments of $84.48 each with total repayment of $2099.43.
*APR = Annual Percentage Rate. Loan rates and terms are current as of 24th November 2024 and determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical Residential Equipment loan of $25,000 at 6.99% APR would have 48 monthly payments of $598.54 each month, with total repayment of $28,729.92.
*APR = Annual Percentage Rate. Loan rates and terms are current as of 24th November 2024 and determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical RV loan of $25,000 at 6.99% APR would have 48 monthly payments of $598.54 each month, with total repayment of $28,729.92. **120-month term requires a minimum loan amount of $25,000. ***180-month term requires a minimum loan amount of $30,000. ****240-month loan requires a minimum loan amount of $40,000.
*APR = Annual Percentage Rate. Loan rates and terms are current as of 24th November 2024 and determined by overall credit history and are subject to change without notice. Applications are subject to credit approval.
*APR = Annual Percentage Rate. Loan rates and terms are current as of 24th November 2024 and determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical auto loan of $20,000 at 5.99% APR would have 48 monthly payments of $469.61 each month, with total repayment of $22,541.28. Rates current as of 24th November 2024. **84-month term requires a minimum loan amount of $40,000. ***96-month term requires a minimum loan amount of $50,000, max loan to value of 110%, and age must be new to 3-years maximum.
*APR = Annual Percentage Rate. Loan rates and terms are current as of 24th November 2024 and determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical RV loan of $25,000 at 6.99% APR would have 48 monthly payments of $598.54 each month, with total repayment of $28,729.92. Rates current as of 24th November 2024. **120-month term requires a minimum loan amount of $25,000. ***180-month term requires a minimum loan amount of $30,000. ****240-month loan requires a minimum loan amount of $40,000.
*APR = Annual Percentage Rate. Loan rates and terms are current as of 24th November 2024 and determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Secured by a share certificate account. A typical Certificate Pledge of $2,000 at 5.81% APR would have 24 monthly payments of $88.48 each with total repayment of $2,123.33.
*APR = Annual Percentage Rate. Loan rates and terms are current as of 24th November 2024 and determined by each individual’s credit history, underwriting factors, age of collateral, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. A typical auto loan of $30,000 at 6.99% APR would have 48 monthly payments of $476.00 each month, and would include a balloon payment due at loan maturity of $13,975.00.
Please note: rates below are current as of 24th November 2024 and are subject to change without notice.
*APR = Annual Percentage Rate (APR) based on $200,000 loan amount with 20% down payment and no prepaid interest. Rates are subject to change without notice. Mortgage insurance may be required, which could increase your APR. Payments do not include amounts for taxes and insurance premiums, the actual payment obligation will be greater. (Biweekly payments also available; however, rates and terms may differ from those listed above.) Rates, terms and conditions are subject to change without notice. Consult your Mortgage Officer. The interest rate for your mortgage is set at the time you apply. You must carry property insurance. All loans subject to credit approval. For adjustable rate mortgage (ARM) loans, the APR may increase after consummation, and with each rate change, the payment will also change. For fixed rate loans, the APR will not increase for the term of the loan. Other mortgage options are available. Call 800.388.2000 for details.
*APY = Annual Percentage Yield. Rates are current as of 24th November 2024 and are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. The minimum balance to earn APY is the same as the minimum opening deposit.
*APY = Annual Percentage Yield. Rates are current as of 24th November 2024 and are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. The minimum balance to earn APY is the same as the minimum opening deposit.
*APY = Annual Percentage Yield. Rates are current as of 24th November 2024 and are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. The minimum balance to earn APY is the same as the minimum opening deposit.
*Annual Percentage Yields (APYs) current as of 24th November 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. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Membership eligibility is required. Insured by the NCUA.
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates are current as of 24th November 2024 and are subject to change without notice. Rates may change after account is opened.
Annual Percentage Yields (APY) are current as of 24th November 2024 and the rate may change after the account is opened. Earn 4.00% APY on checking account balances up to $25,000, 2.08% APY to 4.00% APY on balances of $25,000.01 to $50,000, and 0.20% APY to 2.10% APY on balances $50,000.01 and over when you meet the three requirements below:
• Make 12 or more debit signature swipes per monthly statement cycle; and
• Carry over $50,000 in combined active advanced loan dollars in good standing (including lines of credit but not credit card balances); and
• Be enrolled with eStatements.
If you do not meet the above requirements, you will earn 0.05% APY on balances $.01 to $10,000, 0.10% APY on balances $10,000.01 – $25,000, 0.15% APY on balances of $25,000.01 to $50,000, and 0.20% APY on balances $50,000.01 and over.
Qualifying debit card sales transactions include each time you use your AmeriCONNECT Visa Debit Card to make a purchase from a vendor or merchant. Selecting Credit at checkout instead of Debit qualifies as a Debit Signature Swipe, without the use of a PIN. These transactions must post and clear your account during each monthly payment cycle. ATM and ACH transactions or transfers do not qualify. If you don’t meet the requirements outlined above, you will not earn the rewards.
We pay dividends earned by your account at the end of each monthly billing cycle. This is a tiered account.
Our monthly statement cycle ends on the last day of each month and statements are generated on the first day of each month. There are no rollover transactions. There is no minimum balance required to open or maintain this account. Monthly fees apply. Fees may reduce earnings on the account. Refer to the Truth in Savings Disclosure for Business Savings and Checking/Fee Schedule for monthly maintenance and other account fees. There is a limit of three AmeriCU High Rate or Rewards Checking accounts allowed per member.
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates are current as of 24th November 2024 and are subject to change without notice. Rates may change after account is opened.
To earn rewards from AmeriCU’s Rewards Checking account, members must:
• Make 12 or more debit signature swipes per monthly statement cycle;
• Be enrolled with eStatements.
Qualifying debit card sales transactions include each time you use your AmeriCONNECT Visa Debit Card to make a purchase from a vendor or merchant. Selecting Credit at checkout instead of Debit qualifies as a Debit Signature Swipe, without the use of a PIN. These transactions must post and clear your account during each monthly payment cycle. ATM and ACH transactions or transfers do not qualify. If you don’t meet the requirements outlined above, you will not earn the rewards.
Our monthly statement cycle ends on the last day of each month and statements are generated on the first day of each month. There are no rollover transactions. There is no minimum balance required to open or maintain this account. Monthly fees apply and may reduce earnings on the account. Refer to the Truth in Savings Disclosure for Business Savings and Checking/Fee Schedule for monthly maintenance and other account fees. There is a limit of three AmeriCU Business High Rate or Business Rewards Checking accounts allowed per member.
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates are current as of 24th November 2024 and are subject to change without notice. Rates may change after account is opened.
*APY = Annual Percentage Yield. This variable rate savings option pays dividends compounded and paid monthly. Rates are current as of 24th November 2024 and are subject to change without notice. Rates may change after account is opened. Fees may reduce earnings on account.
*APY = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates are current as of 24th November 2024 and are subject to change without notice. Rates may change after account is opened.
*APY = Annual Percentage Rate. Rates are current as of 24th November 2024 and are subject to change without notice. The minimum balance to earn APY is the same as the minimum opening deposit. A penalty may be imposed for early withdrawal.
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!
Connect with credit score monitoring today!
AmeriCU has made it easy for members to monitor and check their credit scores and reports! This free tool is now available in Online + Mobile banking.
AmeriCU & Your Terms
Earn more with an AmeriCU Share Certificate! You’ll enjoy great rates, a wide variety of terms, and the freedom of investment flexibility.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!