What are the current interest rates at AmeriCU Credit Union?

Current rates for AmeriCU Credit Union include: MMA: 3.00%

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AmeriCU Credit Union

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AmeriCU Credit Union Rates & Review August 2026

Item: AmeriCU Credit Union
Rating: 1
Author: raymond bartholomew

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

AmeriCU Credit Union's money market rates are at 3.00%. AmeriCU Credit Union's Personal Loan Rates are at 4.49%. MonitorBankRates evaluates the financial stability of AmeriCU Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.21%. Rates last updated and verified on 08/28/2026.

AmeriCU Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at AmeriCU Credit Union? Share your experience about AmeriCU Credit Union by leaving a review below, or read customer reviews before you decide to use AmeriCU Credit Union.

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.21%

Excellent Higher than avg

AmeriCU Credit Union
Headquarters

1916 Black River Blvd N
Rome, NY 13440 2430

https://www.americu.org

AmeriCU Credit Union Money Market Rates

Product	Rate	APY	View More
Money Markets	-	3.00%
Details As high as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.21%

AmeriCU Credit Union Checking Rates

Product	Rate	APY
High Rate Checking	-	0.15%
Details Rate for balances over $10,000.00 when requirements are not met. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.21%
High Rate Checking	-	0.05%
Min Balance $10,000 Details Rate for balances up to $10,000.00 when requirements are not met. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.21%

AmeriCU Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Vehicle Loans	-	-	4.49%
Details As Low As; Offer expires 8/31/26. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.21%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for AmeriCU Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather AmeriCU Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with AmeriCU Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name AmeriCU Credit Union

Website https://www.americu.org

Address 1916 Black River Blvd N, Rome, NY 13440 2430

Phone 315-356-3000

Fax 315-339-2069

President Nicholas Fabrizio

CEO Ronald Belle

Full-Time Employees 438

Part-Time Employees 19

Branch Locations 19

ATM Locations 19

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (93/100)

Texas Ratio

14.21%

Return on Assets (ROA)

0.3891%

Return on Equity (ROE)

3.9962%

Non-Performing Loans Ratio (NPL)

1.79%

Total Assets

2,819,348,398

Total Amount of Shares and Deposits

2,426,725,508

Total Shares and Deposits < 1 Year

2,271,183,374

Total Shares and Deposits 1 3 Years

148,552,237

Total Shares and Deposits > 3 Years

6,989,897

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

238,551,520

Total Uninsured Shares and Deposits > $250K (F+J)

243,256,030

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,183,469,478

Total Interest Expense (Sum of items 6 8)

43,193,187

Share Certificates

21,220

Number of Accounts for Share Drafts

90,511

IRA KEOGH Accounts

8,636

Number of Accounts for Regular Shares

214,060

All other shares

2,962

Non Member Deposits

Money Market Shares

7,177

Net Income (unless the amount is already included in Undivided Earnings)

6,442,303

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

26,499,103

Total Liabilities

2,567,159,633

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

raymond bartholomew

★☆☆☆☆

May 20, 2026

trying to get a small balance from my sister\'s estate, they said check was cut months ago and still no payment. once they have your money good luck trying to get it.

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Want to discuss AmeriCU Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★☆☆☆☆

Total Reviews

Add Your Rating and Review for AmeriCU Credit Union

Frequently Asked Questions About AmeriCU Credit Union

How many branches does AmeriCU Credit Union operate?

AmeriCU Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join AmeriCU Credit Union?

Yes, to access services at AmeriCU Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, AmeriCU Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, AmeriCU Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does AmeriCU Credit Union offer online and mobile banking?

Most modern institutions like AmeriCU Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.americu.org.