(https://www.americu.org)

Locations + ATMs (/locations-atms/)

Current Rates (/current-rates/)

Join (/join/)

About
(/about/)

Personal

Business

Insurance

Investments

Military (/military/)

(/in-our-community/) Contact
In Our Community

(/contact/)

Online Banking Login (/member-login/)

Routing Number: 221375802

Search

LOGIN
(/education/)
(/insurance/)
(/wealth-management/)
(/business/)
(/personal/)

MENU

(https://www.americu.org)
Education

Current Rates

Our Current Rates

AmeriCU offers our members some of the highest deposit rates, lowest loan rates, and best service around! And with our MemberPlus program, you can get extra
benefits from your membership! Learn more about MemberPlus. (/personal/member-plus/)

Rates current as of March 5, 2021 and are subject to change without notice.

/

Personal Rates

Discover why thousands of people make the switch to AmeriCU every year! Whether you’re looking for a checking or savings account, want to invest in your future

with an IRA, need a great rate on a mortgage or home equity loan, or something else – you’ve come to the right place. AmeriCU is here to provide you the right

financial services to live life, dream big and achieve financial success.

Deposits

Share Certificates

Loans

Credit Cards

Home Equity Loans &
Lines

Mortgages

Please note: rates below are current as of March 5, 2021 and are subject to change without notice.

Card

APR*

Annual Fee

VISA Signature Rewards**

VISA Traditional Platinum**

MasterCard***

Secured VISA Platinum****

As low as 7.24%

As low as 6.24%

As low as 12.90%

As low as 15.90%

$0

$0

$0

$0

/

APPLY NOW!

 (https://app.loanspq.com/cc/CreditCard.aspx?

enc=Kw21Wblm1yxpjJabdoZaD2Lk9p2yTwPEqeCPGnvZAbFu_bUQAdBE_DmRrD6dTtDo4PvHkOQhOOzIcfHe-twjoA)

*APR = Annual Percentage Rate. Rates and terms are accurate as of March 5, 2021, 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. Credit Cards are not eligible for MemberPlus

Relationship Pricing.

Learn more about MemberPlus. (/personal/member-plus/)

** Standard APR may vary and is based on Prime Rate. 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.

See full terms and disclosures. (https://www.fuzeqna.com/americu/ext/kbdetail.aspx?kbid=4282)

***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.

 See full terms and disclosures. (https://www.fuzeqna.com/americu/ext/kbdetail.aspx?kbid=4283)

****Open a secured savings account with AmeriCU for $500+ to get a Secured VISA . The credit limit on your Secured VISA  = the balance in your

®

®

Secured Savings Account (in increments of $100 up to $5,000). 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.

See full terms and disclosures. (https://www.fuzeqna.com/americu/ext/kbdetail.aspx?kbid=4283)

Business Rates

Visit your local AmeriCU Financial Center or contact a member of our Business Team for our current Business Rates.

/

Business Deposits

Business Share
Certificates

More from AmeriCU

Join Today

Financial Wellness

You face important financial decisions every

day. Give yourself the tools you need to be
prepared! Learn about financial wellness.

You can become a member with just $5 if you
live, work, worship, or attend school in Central

or Northern New York. It’s that easy! Join
today. (https://app.loanspq.com/apply.aspx?

enc=Kw21Wblm1yxpjJabdoZaD2Lk9p2yTwPEqe

The Right Financial Services

AmeriCU provides you with the right financial

services to live life, dream big, and achieve
financial success. See all the products and

(/education/adult/)

c1PbcvTn7swsCFYQinrZjCN6zwrAEfMOblrwjZM

services we offer! (/personal/)

/

(https://www.ncua.gov/Pages/default.aspx)

Privacy Policies (/privacy-policies/)
Web Accessibility (/web-accessibility/)

(http://portal.hud.gov/hudportal/HUD/program_offices/fair_housing_equal_opp/FHLaws)

 (/)

Copyright © AmeriCU Credit Union. All Rights Reserved.

(https://www.lookingglasscyber.com/products/threat-

intelligence-services/threat-
analysis-services/brand-

protection-services/lookingglass-
protected-site-seal/)

Equal Housing Lender - Federally insured by NCUA 
Membership restrictions apply

 (https://www.facebook.com/AmeriCU-Credit-Union-189953646193/)  

(https://www.instagram.com/americucreditunion/)  

(https://www.linkedin.com/company/americu-credit-union)  

(https://twitter.com/AmeriCU )  

(https://www.youtube.com/user/AmeriCUMarketing)

Member Security Center (/member-
security-center/)
Career Center (/careers/)

Terms + Conditions (/terms-
conditions/)
Disclosures (/disclosures/)

Contest Rules (/contest-rules/)

Holiday Closings (/about#holidays)
Current Offers (/currentoffers/)

/