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iAdvertiser Disclosure
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 AmeriCU Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 25, 2026
AmeriCU Credit Union's 12 Month CD rates are at 4.00%, 12-Month CD rates are at 4.00%, 18-Month CD rates are at 4.00%, 18-Month CD Special rates are at 4.00%, 3 Month CD rates are at 4.00%. AmeriCU Credit Union's savings rates are at 0.01%. AmeriCU Credit Union's Personal Loan Rates are at 5.24%. MonitorBankRates evaluates the financial stability of AmeriCU Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.15%. Rates were last updated on 03/25/2026. 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. 
AmeriCU Credit Union CD Rates
AmeriCU Credit Union Savings Rates
AmeriCU Credit Union Checking Rates
AmeriCU Credit Union Home Equity & HELOC
AmeriCU Credit Union Auto Loan Rates
AmeriCU Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A- (91/100)
Texas Ratio
16.15%
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
52
Money Market Shares
7,177
Net Income (unless the amount is already included in Undivided Earnings)
6,442,303
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
Frequently Asked Questions About AmeriCU Credit UnionIs AmeriCU Credit Union a safe place to deposit money?Yes, AmeriCU Credit Union is considered a safe financial institution. With a Texas Ratio of 16.145687226468%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current AmeriCU Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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