AmeriCU


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

AmeriCU is headquartered in Rome and is the 12th largest credit union in the state of New York. It is also the 169th largest credit union in the nation. It was established in 1978 and as of March of 2025, it had grown to 416 employees and 169,402 members at 19 locations. AmeriCU's money market rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in AmeriCU is open to anyone through membership in the American Consumer Council. Individuals who live, work, worship, or attend school in the New York counties of Cortland, Broome, Cayuga, Wayne, Hamilton, Chenango, Clinton, Essex, Franklin, Fulton, Lawrence, Herkimer, Jefferson, Montgomery, Lewis, Tompkins, Madison, Oneida, Onondaga, Oswego, Otsego, St. Schoharie, Seneca and, Tioga also qualify for membership.
See current membership details

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Health

Health Grade Components

Overall
NCUA #68433
Year Chartered1978
Employees416
Primary Regulator
Profit Margin
Return on Assets - YTD0.08%
Return on Equity - YTD0.9%
Annual Interest Income$36.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.79B$2.68B
LoansQ1 2025vs Q1 2024$2.38B$2.26B
DepositsQ1 2025vs Q1 2024$2.42B$2.31B
Equity CapitalQ1 2025vs Q1 2024$236.3MM$218.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$35.2MM$32.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$41.2MM$37.3MM
Real Estate OwnedQ1 2025vs Q1 2024$1.1MM$104K
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
1.50%*$100k*-HSA Checking
OTHER TIERS: 1.00% $25 - $2.5k | 1.10% $2.5k - $5k | 1.20% $5k - $10k | 1.30% $10k - $50k | 1.40% $50k - $100k
1.50%*$100k*-HSA Savings
OTHER TIERS: 1.00% $25 - $2.5k | 1.10% $2.5k - $5k | 1.20% $5k - $10k | 1.30% $10k - $50k | 1.40% $50k - $100k
0.10%*$5k*-Share Savings Account
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% $0 - $1k | 0.03% $1k - $2.5k | 0.05% $2.5k - $5k
0.10%*$5k*-Stars & Stripes Share Savings
OTHER TIERS: 0.01% $0 - $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*-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
4.00%*$250k*-Select Business Tiered Money Market Account
OTHER TIERS: 0.01% $0 - $1k | 0.03% $1k - $2.5k | 0.25% $2.5k - $10k | 0.40% $10k - $25k | 0.50% $25k - $50k | 0.60% $50k - $100k | 0.80% $100k - $250k
1.00%*$1m*-Money Market Savings
OTHER TIERS: 0.01% $0 - $1k | 0.03% $1k - $2.5k | 0.25% $2.5k - $10k | 0.40% $10k - $25k | 0.50% $25k - $50k | 0.60% $50k - $100k | 0.80% $100k - $250k | 0.90% $250k - $1m

AmeriCU Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
7.00%*$0$10kHigh Rate Checking w/ Qualifying Loan
OTHER TIERS: 0.15% $10k+
7.00%*$0$25kBusiness High Rate Checking
OTHER TIERS: 0.15% $25k - $50k | 0.20% $50k+
6.00%*$0$10kHigh Rate Checking w/o Qualifying Loan
OTHER TIERS: 0.15% $10k+

AmeriCU CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-6 Month Certificate
4.25%$500-6 Month Select Business Certificate
3.75%$500-24 Month Select Business Certificate
3.75%$500-18 Month Certificate Special
2.53%$500-48 Month Certificate
2.53%$500-60 Month Certificate
2.53%$500-48 Month Select Business Certificate
2.53%$500-60 Month Select Business Certificate
2.28%$500-24 Month Certificate
2.28%$500-36 Month Certificate
2.28%$500-36 Month Select Business Certificate
0.80%$500-12 Month Certificate
0.80%$500-12 Month Select Business Certificate
0.25%$500-3 Month Certificate
0.25%$500-3 Month Select Business Certificate
0.19%$50-3 - 12 Month Dedicated Saver Certificate

AmeriCU IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-6 Month IRA Certificate
4.00%$500-24 Month IRA Certificate
2.53%$500-48 Month IRA Certificate
2.53%$500-60 Month IRA Certificate
2.28%$500-36 Month IRA Certificate
0.80%$500-12 Month IRA Certificate
0.25%$500-3 Month IRA Certificate
0.10%*$5k*-IRA Savings Account
OTHER TIERS: 0.01% $50 - $1k | 0.03% $1k - $2.5k | 0.05% $2.5k - $5k
Locations

Availability

Syracuse Area

Interactive local rates map


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