AmeriCU


Overview / Commentary
315-337-4373
1916 Black River Blvd N
Rome, NY 13440-2430

AmeriCU is headquartered in Rome and is the 13th largest credit union in the state of New York. It is also the 161st largest credit union in the nation. It was established in 1978 and as of June of 2020, it had grown to 311 employees and 139,312 members at 20 locations. AmeriCU's money market rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

AmeriCU membership is open to those who live, work, worship, or attend school in the New York counties of Cayuga, Cortland, Herkimer, Jefferson, Lewis, Madison, Oneida, Onondaga, or Oswego.
See current membership details

Good Rate And Easy To Open An Account

Posted by: |

Found it in weekly update email.

Called AmeriCU and found out they use Check System instead of pulling a credit report for a CD. I joined Association For The Blind & Visually Impaired Of NNY for a $10 membership fee in order to qualify.

Their current special promotion is 2.75% APY 18 months CD with $1,000.00 minimum. It is not listed on their website.

Open an account easily online. Funded via wire transfer. ACH limit is $10,000.00

Beware of unsolicited email from AmeriCU via DocuSign if you qualify for a credit card or debit card. It looked very official since it was through DocuSign. I thought it was a document had to be signed as part of opening an account.

Reasonable Fees and Great Customer Support

I've been an Americu customer for a few years now and I can definitely say this credit union has the most reasonable fees out there, when comparing with other credit unions. One aspect that I miss is a more user friendly and efficient banking app, since I like to do some tasks such as checking balances online in order to save time, but it's a trade-off that I'm willing to accept when you take their reasonable fees and great customer support into consideration. I had to contact their customer support a few times due to a loss of a debit card, among other things, and they were always very friendly and efficient, they always took my concern with seriousness and solved my problem very fast.

Ok, But There Are Issues

Posted by: |

Sure, enticing interest rate on your Savings account (but still under 1% return!) After 3years of being an account holder, primarily using checking, savings and bill payer features.  Have had to ask about suspicious math, transacttions that did not show up on monthly statements, and math error # 3 showed up and I am done.  I don't watch my bank that closely, and I caught SIMPLE math errors (200 x 3 = 600 right?...not according to Americu).  Their bill payer requires 5-7 days notice to schedule a payment...other bill payer sites are 1 day!  Yes really! Credit Unions I mean to say....luckily I have had 2 accounts in parallel and can clearly see the difference.  americu, I wanted to give the medium size guy a chance... goodbye.  

AVOID THEM IF YOU DON't WANT HEADACHES

THEIR CALL CENTER IS A JOKE. YOU WILL GET MISINFORMATION FROM THEM, YOU WILL BE TREATED WITHOUT RESPECT AND NEVER BE CONNECTED TO THE CREDIT UNION ITSELF. IT IS A GOOD IDEA TO GO ELSEWHERE. NOT WORTH THE EFFORT.

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Health
B+

Health Grade Components

Overall
NCUA #68433
Year Chartered1978
Employees311
Primary Regulator
Profit Margin
Return on Assets - YTD0.15%
Return on Equity - YTD1.91%
Annual Interest Income$31.3MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$2.06B$1.67B
LoansQ2 2020vs Q2 2019$1.47B$1.17B
DepositsQ2 2020vs Q2 2019$1.83B$1.45B
Equity CapitalQ2 2020vs Q2 2019$159.7MM$154.3MM
Loan Loss AllowanceQ2 2020vs Q2 2019$17.2MM$13.1MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$10.8MM$9.4MM
Real Estate OwnedQ2 2020vs Q2 2019$42.00K$415.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not AmeriCU; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

AmeriCU Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.34%*$50k*-HSA Checking
OTHER TIERS: 0.24% $25 - $5k | 0.29% $5k - $50k
0.34%*$50k*-HSA Savings
OTHER TIERS: 0.24% $25 - $5k | 0.29% $5k - $50k
0.10%*$5k*-Share Savings
OTHER TIERS: 0.01% $50 - $1k | 0.03% $1k - $2.5k | 0.05% $2.5k - $5k
0.10%*$5k*-Rising Stars Share Savings
OTHER TIERS: 0.01% Up to $1k | 0.03% $1k - $2.5k | 0.05% $2.5k - $5k
0.10%*$5k*-Stars & Stripes Share Savings
OTHER TIERS: 0.01% Up to $1k | 0.03% $1k - $2.5k | 0.05% $2.5k - $5k
0.10%*$5k*-Vacation Club
OTHER TIERS: 0.01% $50 - $1k | 0.03% $1k - $2.5k | 0.05% $2.5k - $5k
0.10%*$5k*-Holiday Club
OTHER TIERS: 0.01% $50 - $1k | 0.03% $1k - $2.5k | 0.05% $2.5k - $5k
0.10%*$5k*-Secured Visa Savings Share
OTHER TIERS: 0.01% $50 - $1k | 0.03% $1k - $2.5k | 0.05% $2.5k - $5k
0.10%*$5k*-IRA Savings Account
OTHER TIERS: 0.01% $50 - $1k | 0.03% $1k - $2.5k | 0.05% $2.5k - $5k
0.10%*$5k*-Select Business Savings Account
OTHER TIERS: 0.01% $50 - $1k | 0.03% $1k - $2.5k | 0.05% $2.5k - $5k

AmeriCU Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$1m*-Money Market Savings
OTHER TIERS: 0.01% Up to $1k | 0.03% $1k - $2.5k | 0.07% $2.5k - $10k | 0.15% $10k - $25k | 0.25% $25k - $50k | 0.35% $50k - $100k | 0.70% $100k - $250k | 0.80% $250k - $1m
1.00%*$1m*-Select Business Tiered Money Market Account
OTHER TIERS: 0.01% Up to $1k | 0.03% $1k - $2.5k | 0.07% $2.5k - $10k | 0.15% $10k - $25k | 0.25% $25k - $50k | 0.35% $50k - $100k | 0.70% $100k - $250k | 0.80% $250k - $1m

AmeriCU Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$25k*-Prestigious Checking
OTHER TIERS: 0.03% $5k - $10k | 0.10% $10k - $25k
0.15%*$25k*-Select Business Premier Checking
OTHER TIERS: 0.03% $5k - $10k | 0.10% $10k - $25k
0.10%$500-Privileged Checking
0.01%$2.5k-Performance Checking
0.01%$2.5k-Select Business Value Checking

AmeriCU CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.04%$500-60 - 72 Month Partner Certificate
1.01%$500-48 - 59 Month Partner Certificate
0.98%$500-36 - 47 Month Partner Certificate
0.98%$500-60 - 72 Month Connect Plus Certificate
0.95%$500-48 - 59 Month Connect Plus Certificate
0.93%$500-60 - 72 Month Flex/Connect Certificate
0.93%$100k-12 Month Jumbo Partner Certificate
0.93%$500-36 - 47 Month Connect Plus Certificate
0.90%$500-48 - 59 Month Flex/Connect Certificate
0.90%$1k-24 - 35 Month Partner Certificate
0.88%$500-60 - 72 Month Core Certificate
0.88%$500-36 - 47 Month Flex/Connect Certificate
0.88%$100k-12 Month Jumbo Connect Plus Certificate
0.88%$500-60 - 72 Month Select Business Certificate
0.85%$500-48 - 59 Month Core Certificate
0.85%$1k-24 - 35 Month Connect Plus Certificate
0.85%$500-48 - 59 Month Select Business Certificate
0.83%$500-36 - 47 Month Core Certificate
0.83%$100k-12 Month Jumbo Flex/Connect Certificate
0.83%$1k-12 - 23 Month Partner Certificate
0.83%$500-36 - 47 Month Select Business Certificate
0.80%$1k-24 - 35 Month Flex/Connect Certificate
0.78%$100k-12 Month Jumbo Core Certificate
0.78%$1k-12 - 23 Month Connect Plus Certificate
0.78%$100k-12 Month Jumbo Select Business Certificate
0.75%$1k-24 - 35 Month Core Certificate
0.75%$1k-24 - 35 Month Select Business Certificate
0.73%$1k-12 - 23 Month Flex/Connect Certificate
0.68%$1k-12 - 23 Month Core Certificate
0.68%$1k-12 - 23 Month Select Business Certificate
0.44%$100k-6 Month Jumbo Partner Certificate
0.39%$100k-6 Month Jumbo Connect Plus Certificate
0.34%$100k-6 Month Jumbo Flex/Connect Certificate
0.34%$1k-6 - 11 Month Partner Certificate
0.29%$100k-6 Month Jumbo Core Certificate
0.29%$1k-6 - 11 Month Connect Plus Certificate
0.29%$100k-6 Month Jumbo Select Business Certificate
0.28%$100k-3 Month Jumbo Partner Certificate
0.24%$1k-6 - 11 Month Flex/Connect Certificate
0.23%$100k-3 Month Jumbo Connect Plus Certificate
0.19%$1k-6 - 11 Month Core Certificate
0.19%$1k-6 - 11 Month Select Business Certificate
0.18%$100k-3 Month Jumbo Flex/Connect Certificate
0.18%$1k-32 - 89 Day Partner Certificate
0.18%$50-3 - 12 Month Dedicated Saver Connect Plus Certificate
0.18%$1k-3 - 5 Month Partner Certificate
0.13%$100k-3 Month Jumbo Core Certificate
0.13%$1k-32 - 89 Day Connect Plus Certificate
0.13%$50-3 - 12 Month Dedicated Saver Partner Certificate
0.13%$1k-3 - 5 Month Connect Plus Certificate
0.13%$100k-3 Month Jumbo Select Business Certificate
0.08%$1k-32 - 89 Day Flex/Connect Certificate
0.08%$50-3 - 12 Month Dedicated Saver Flex/Connect Certificate
0.08%$1k-3 - 5 Month Flex/Connect Certificate
0.03%$1k-32 - 89 Day Core Certificate
0.03%$1k-3 - 5 Month Core Certificate
0.03%$50-3 - 12 Month Dedicated Saver Core Certificate
0.03%$1k-32 - 89 Day Select Business Certificate
0.03%$1k-3 - 5 Month Select Business Certificate

AmeriCU IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.09%$500-60 - 72 Month Partner IRA Certificate
1.06%$500-48 - 59 Month Partner IRA Certificate
1.04%$500-36 - 47 Month Partner IRA Certificate
1.04%$500-60 - 72 Month Connect Plus IRA Certificate
1.01%$500-48 - 59 Month Connect Plus IRA Certificate
0.98%$500-36 - 47 Month Connect Plus IRA Certificate
0.98%$500-60 - 72 Month Flex/Connect IRA Certificate
0.95%$1k-24 - 35 Month Partner IRA Certificate
0.95%$500-48 - 59 Month Flex/Connect IRA Certificate
0.93%$500-36 - 47 Month Flex/Connect IRA Certificate
0.93%$500-60 - 72 Month Core IRA Certificate
0.90%$1k-24 - 35 Month Connect Plus IRA Certificate
0.90%$500-48 - 59 Month Core IRA Certificate
0.88%$1k-12 - 23 Month Partner IRA Certificate
0.88%$500-36 - 47 Month Core IRA Certificate
0.85%$1k-24 - 35 Month Flex/Connect IRA Certificate
0.83%$1k-12 - 23 Month Connect Plus IRA Certificate
0.80%$1k-24 - 35 Month Core IRA Certificate
0.78%$1k-12 - 23 Month Flex/Connect IRA Certificate
0.73%$1k-12 - 23 Month Core IRA Certificate
0.39%$1k-6 - 11 Month Partner IRA Certificate
0.34%$1k-6 - 11 Month Connect Plus IRA Certificate
0.29%$1k-6 - 11 Month Flex/Connect IRA Certificate
0.24%$1k-6 - 11 Month Core IRA Certificate
0.23%$1k-3 - 5 Month Partner IRA Certificate
0.18%$1k-3 - 5 Month Connect Plus IRA Certificate
0.13%$1k-3 - 5 Month Flex/Connect IRA Certificate
0.08%$1k-3 - 5 Month Core IRA Certificate
Locations

Availability



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