Connect with everything you need to do more of the things you want.
A mortgage for your first home. A loan for your new business venture. An IRA for the retirement of your dreams. Whatever you’re ready to connect with—even if it’s just a real person to answer your questions—we’ll always be ready.
Save the Date: 2025 Annual Membership Meeting
Event: AmeriCU’s 75th Annual Membership Meeting
Date: Monday, March 10, 2025
Time: 6:30 -7:30 PM EST
Location: Griffiss Financial Center
Two Seats up for Election: John Stevenson, Incumbent; and Ryan Kuhns, Incumbent.
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!
6-Month Share Certificate – 4.25% APY*
Connect with low-risk earning potential! Time is money – let’s make the most of the next six months.
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!
We bank on personal experiences— even if we don’t see you in person.
Current Rates
Latest From AmeriCU
News
AmeriCU Credit Union Celebrates 75 Years of Serving Members and Communities
In 2025, AmeriCU Credit Union proudly celebrates 75 years of serving its members.
Events
NYS RV Show Day 2
The 2025 NYS RV Show is bigger than ever… 9 dealers in 4 huge buildings!
Education
Checking Accounts
A checking account is a financial tool that offers everyday access to your funds and provides an effective way to track your budget.*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.
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. Courtesy Pay is available to those who qualify.
**Annual Percentage Yields (APYs) current as of 28th February 2025 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.