Americu

1916 Black River Blvd
Rome, NY 13440
315.356.3000
www.americu.org

OverView
Rates
Health
Reviews

Americu is headquartered in Rome and is the 13^st largest credit union in the state of New York. It is also the 183^rd largest credit union in the nation. It was established in 1978 and as of December of 2011, it had grown to 219 employees and 111,267 members. Americu's savings rates are 3X the national average, and it has a 4-star health rating.

Americu Routing Number: 221375802

Competitive CD and IRA CD Rates at AmeriCU in New York - Local Only - 11/16/2011

AmeriCU Credit Union is offering several top CD and IRA CD rates, but there's a catch. The highest rates require the partner relationship. If you meet this requirement, you can qualify for a CD yield ...

Competitive Long-Term CD and IRA CD Rates at AmeriCU in NY - 9/21/2010

AmeriCU Credit Union is offering a competitive rates for its long-term CDs and IRA CDs. These include a 3.05% APY 5-year CD, a 2.70% APY 4-year CD and a 2.40% APY 3-year CD. Minimum deposit is $500. T ...

Report an Issue

See Rates for: Checking | Savings | Money Market | CD | IRA

Americu Checking Account Rates

Apy	Min	Max	Product
0.90%	$25k	-	Prestigious Checking
0.75%	$2,500	-	Performance Checking
0.75%	$500	-	Privileged Checking

Americu Savings Account Rates

Apy	Min	Max	Product
2.25%	$100k	-	HSA Checking
2.25%	$100k	-	HSA Savings
0.90%	$5k	-	IRA Savings Account
0.90%	$5k	-	Roth IRA Savings Account
0.90%	$5k	-	CESA Savings Account
0.75%	$50	-	Secured Visa Savings Share
0.70%	$5k	-	Share Savings
0.70%	$5k	-	Stars & Stripes Club
0.70%	$5k	-	Vacation Club Account
0.70%	$5k	-	Holiday Club Account
0.50%	-	-	Rising Stars Club Account

Americu Money Market Rates

	Apy	Min	Max	Product
	0.85%	$100k	-	Money Market Savings

Americu CD Rates

Apy	Min	Max	Product
2.86%	$500	-	60 - 72 Month Partner Certificate
2.63%	$500	-	48 - 59 Month Partner Certificate
2.61%	$500	-	60 - 72 Month Connect Plus Certificate
2.45%	$500	-	60 - 72 Month Flex/Connect Certificate
2.38%	$500	-	36 - 47 Month Partner Certificate
2.38%	$500	-	48 - 59 Month Connect Plus Certificate
2.35%	$500	-	60 - 72 Month Core Certificate
2.22%	$500	-	48 - 59 Month Flex/Connect Certificate
2.13%	$500	-	36 - 47 Month Connect Plus Certificate
2.12%	$500	-	48 - 59 Month Core Certificate
1.97%	$500	-	36 - 47 Month Flex/Connect Certificate
1.87%	$500	-	36 - 47 Month Core Certificate
1.86%	$1k	-	24 - 35 Month Partner Certificate
1.60%	$1k	-	24 - 35 Month Connect Plus Certificate
1.45%	$1k	-	24 - 35 Month Flex/Connect Certificate
1.36%	$1k	-	12 - 23 Month Partner Certificate
1.36%	$100k	-	12 Month Jumbo Partner Certificate
1.35%	$1k	-	24 - 35 Month Core Certificate
1.30%	$50	-	3 - 12 Month Dedicated Saver Partner Certificate
1.15%	$1k	-	6 - 11 Month Partner Certificate
1.15%	-	-	6 Month Jumbo Partner Certificate
1.10%	$1k	-	3 - 5 Month Partner Certificate
1.10%	-	-	3 Month Jumbo Partner Certificate
1.10%	$1k	-	12 - 23 Month Connect Plus Certificate
1.10%	$100k	-	12 Month Jumbo Connect Plus Certificate
1.05%	$1k	-	32 - 89 Day Partner Certificate
1.05%	$50	-	3 - 12 Month Dedicated Saver Connect Plus Certificate
0.95%	$1k	-	12 - 23 Month Flex/Connect Certificate
0.95%	$100k	-	12 Month Jumbo Flex/Connect Certificate
0.90%	$50	-	3 - 12 Month Dedicated Saver Flex/Connect Certificate
0.90%	$1k	-	6 - 11 Month Connect Plus Certificate
0.90%	-	-	6 Month Jumbo Connect Plus Certificate
0.85%	$1k	-	12 - 23 Month Core Certificate
0.85%	$100k	-	12 Month Jumbo Core Certificate
0.85%	$1k	-	3 - 5 Month Connect Plus Certificate
0.85%	-	-	3 Month Jumbo Connect Plus Certificate
0.80%	$50	-	3 - 12 Month Dedicated Saver Core Certificate
0.80%	$1k	-	32 - 89 Day Connect Plus Certificate
0.75%	$1k	-	6 - 11 Month Flex/Connect Certificate
0.75%	-	-	6 Month Jumbo Flex/Connect Certificate
0.70%	$1k	-	3 - 5 Month Flex/Connect Certificate
0.70%	-	-	3 Month Jumbo Flex/Connect Certificate
0.65%	$1k	-	6 - 11 Month Core Certificate
0.65%	-	-	6 Month Jumbo Core Certificate
0.65%	$1k	-	32 - 89 Day Flex/Connect Certificate
0.60%	$1k	-	3 - 5 Month Core Certificate
0.60%	-	-	3 Month Jumbo Core Certificate
0.55%	$1k	-	32 - 89 Day Core Certificate

Americu IRA Rates

Apy	Min	Max	Product
2.86%	$500	-	60 - 72 Month Partner IRA Certificate
2.86%	$500	-	60 - 72 Month Partner Roth IRA Certificate
2.86%	$500	-	60 - 72 Month Partner CESA Certificate
2.63%	$500	-	48 - 59 Month Partner IRA Certificate
2.63%	$500	-	48 - 59 Month Partner CESA Certificate
2.61%	$500	-	60 - 72 Month Connect Plus IRA Certificate
2.61%	$500	-	48 - 59 Month Partner Roth IRA Certificate
2.61%	$500	-	60 - 72 Month Connect Plus Roth IRA Certificate
2.61%	$500	-	60 - 72 Month Connect Plus CESA Certificate
2.45%	$500	-	60 - 72 Month Flex/Connect IRA Certificate
2.45%	$500	-	60 - 72 Month Flex/Connect Roth IRA Certificate
2.45%	$500	-	60 - 72 Month Flex/Connect CESA Certificate
2.38%	$500	-	36 - 47 Month Partner IRA Certificate
2.38%	$500	-	48 - 59 Month Connect Plus IRA Certificate
2.38%	$500	-	36 - 47 Month Partner Roth IRA Certificate
2.38%	$500	-	48 - 59 Month Connect Plus Roth IRA Certificate
2.38%	$500	-	36 - 47 Month Partner CESA Certificate
2.38%	$500	-	48 - 59 Month Connect Plus CESA Certificate
2.35%	$500	-	60 - 72 Month Core IRA Certificate
2.35%	$500	-	60 - 72 Month Core Roth IRA Certificate
2.35%	$500	-	60 - 72 Month Core CESA Certificate
2.22%	$500	-	48 - 59 Month Flex/Connect IRA Certificate
2.22%	$500	-	48 - 59 Month Flex/Connect Roth IRA Certificate
2.22%	$500	-	48 - 59 Month Flex/Connect CESA Certificate
2.13%	$500	-	36 - 47 Month Connect Plus IRA Certificate
2.13%	$500	-	36 - 47 Month Connect Plus Roth IRA Certificate
2.13%	$500	-	36 - 47 Month Connect Plus CESA Certificate
2.12%	$500	-	48 - 59 Month Core IRA Certificate
2.12%	$500	-	48 - 59 Month Core Roth IRA Certificate
2.12%	$500	-	48 - 59 Month Core CESA Certificate
1.97%	$500	-	36 - 47 Month Flex/Connect IRA Certificate
1.97%	$500	-	36 - 47 Month Flex/Connect Roth IRA Certificate
1.97%	$500	-	36 - 47 Month Flex/Connect CESA Certificate
1.87%	$500	-	36 - 47 Month Core IRA Certificate
1.87%	$500	-	36 - 47 Month Core Roth IRA Certificate
1.87%	$500	-	36 - 47 Month Core CESA Certificate
1.86%	$1k	-	24 - 35 Month Partner IRA Certificate
1.86%	$1k	-	24 - 35 Month Partner Roth IRA Certificate
1.86%	$1k	-	24 - 35 Month Partner CESA Certificate
1.60%	$1k	-	24 - 35 Month Connect Plus IRA Certificate
1.60%	$1k	-	24 - 35 Month Connect Plus Roth IRA Certificate
1.60%	$1k	-	24 - 35 Month Connect Plus CESA Certificate
1.45%	$1k	-	24 - 35 Month Flex/Connect IRA Certificate
1.45%	$1k	-	24 - 35 Month Flex/Connect Roth IRA Certificate
1.45%	$1k	-	24 - 35 Month Flex/Connect CESA Certificate
1.36%	$1k	-	12 - 23 Month Partner IRA Certificate
1.36%	$1k	-	12 - 23 Month Partner Roth IRA Certificate
1.36%	$1k	-	12 - 23 Month Partner CESA Certificate
1.35%	$1k	-	24 - 35 Month Core IRA Certificate
1.35%	$1k	-	24 - 35 Month Core Roth IRA Certificate
1.35%	$1k	-	24 - 35 Month Core CESA Certificate
1.15%	$1k	-	6 - 11 Month Partner IRA Certificate
1.15%	$1k	-	6 - 11 Month Partner Roth IRA Certificate
1.15%	$1k	-	6 - 11 Month Partner CESA Certificate
1.10%	$1k	-	3 - 5 Month Partner IRA Certificate
1.10%	$1k	-	12 - 23 Month Connect Plus IRA Certificate
1.10%	$1k	-	3 - 5 Month Partner Roth IRA Certificate
1.10%	$1k	-	12 - 23 Month Connect Plus Roth IRA Certificate
1.10%	$1k	-	3 - 5 Month Partner CESA Certificate
1.10%	$1k	-	12 - 23 Month Connect Plus CESA Certificate
0.95%	$1k	-	12 - 23 Month Flex/Connect IRA Certificate
0.95%	$1k	-	12 - 23 Month Flex/Connect Roth IRA Certificate
0.95%	$1k	-	12 - 23 Month Flex/Connect CESA Certificate
0.90%	$1k	-	6 - 11 Month Connect Plus IRA Certificate
0.90%	$1k	-	6 - 11 Month Connect Plus Roth IRA Certificate
0.90%	$1k	-	6 - 11 Month Connect Plus CESA Certificate
0.85%	$1k	-	3 - 5 Month Connect Plus IRA Certificate
0.85%	$1k	-	12 - 23 Month Core IRA Certificate
0.85%	$1k	-	3 - 5 Month Connect Plus Roth IRA Certificate
0.85%	$1k	-	12 - 23 Month Core Roth IRA Certificate
0.85%	$1k	-	3 - 5 Month Connect Plus CESA Certificate
0.85%	$1k	-	12 - 23 Month Core CESA Certificate
0.75%	$1k	-	6 - 11 Month Flex/Connect IRA Certificate
0.75%	$1k	-	6 - 11 Month Flex/Connect Roth IRA Certificate
0.75%	$1k	-	6 - 11 Month Flex/Connect CESA Certificate
0.70%	$1k	-	3 - 5 Month Flex/Connect IRA Certificate
0.70%	$1k	-	3 - 5 Month Flex/Connect Roth IRA Certificate
0.70%	$1k	-	3 - 5 Month Flex/Connect CESA Certificate
0.65%	$1k	-	6 - 11 Month Core IRA Certificate
0.65%	$1k	-	6 - 11 Month Core Roth IRA Certificate
0.65%	$1k	-	6 - 11 Month Core CESA Certificate
0.60%	$1k	-	3 - 5 Month Core IRA Certificate
0.60%	$1k	-	3 - 5 Month Core Roth IRA Certificate
0.60%	$1k	-	3 - 5 Month Core CESA Certificate

Rates updated: 5/21/2012

Data for Q4 2011

Institution Statistics

AMERICU
NCUA #	68433
BankRate Report	View
Year Chartered	1978
Employees	219
Primary Regulator
Assets and Liabilities
Assets	$1.01 billion
Loans	$887.71 million
Deposits	$911.68 million
Equity Capital	$84.12 million
Loan Loss Allowance	$5.61 million
Unbacked Noncurrent Loans	$7.21 million
Real Estate Owned	$964,000
Historic Data - December 2010
Assets	$920.28 million
Equity Capital	$71.19 million
Loan Loss Allowance	$4.69 million
Unbacked Noncurrent Loans	$4.29 million
Real Estate Owned	$572,000
Profit Margin - Quarterly
Net Interest Margin	3.58%
Return on Assets	1.28%
Return on Equity	15.37%
Interest Income	$43.03 million
Non-Interest Income	$20.63 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Americu had $8.17 million in non-current loans and owned real-estate with $89.72 million in equity and loan loss allowances on hand to cover it. This gives Americu a Texas Ratio of 9.11% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Americu held steady from 6.41% as of December 31, 2010 to 9.11% as of December 31, 2011, resulting in a negative change of 42.03%. This indicates that the balance sheet and financial strength for Americu has held steady in recent periods.
Deposit Growth
In the past year, Americu has increased its total deposits by $71.03 million, resulting in 8.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Americu has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Americu has $1.01 billion in assets with $89.72 million in equity, resulting in a capitalization level of 8.92%, which is average.