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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 AmeriCU Credit Union Rates & Review November 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.
Read Full Bio →
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 and Verified: October 30, 2026
AmeriCU Credit Union's 12 Month CD rates are at 4.50%, 3 Month CD rates are at 4.50%, 6 Month CD rates are at 4.50%, 18 Month Special CD rates are at 4.00%. AmeriCU Credit Union's checking rates are as high as 7.00%. AmeriCU Credit Union's Auto Loan Rates are as low as 4.74%. AmeriCU Credit Union's CD rates are 65% higher than the MonitorBankRates national average, and it has an A- health rating. 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 14.76%. Rates last updated and verified on 10/30/2026. 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. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. AmeriCU Credit Union CD Rates
AmeriCU Credit Union Checking Rates
AmeriCU Credit Union Auto Loan Rates
AmeriCU Credit Union RV, Boat and Powersport Loan Rates
Financial Health HistoryAmeriCU Credit Union’s Texas Ratio rose from 9.96% in Q3 2023 to 14.76% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
467
Part-Time Employees
12
Branch Locations
23
ATM Locations
23
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
14.76%
Return on Assets (ROA)
0.3430%
Return on Equity (ROE)
3.5867%
Non-Performing Loans Ratio (NPL)
1.89%
Total Assets
3,026,929,328
Total Amount of Shares and Deposits
2,654,559,971
Total Shares and Deposits < 1 Year
2,443,791,009
Total Shares and Deposits 1 3 Years
201,453,282
Total Shares and Deposits > 3 Years
9,315,680
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
274,493,846
Total Uninsured Shares and Deposits > $250K (F+J)
282,822,994
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,371,736,977
Total Interest Expense (Sum of items 6 8)
29,587,902
Share Certificates
22,424
Number of Accounts for Share Drafts
96,416
IRA KEOGH Accounts
8,521
Number of Accounts for Regular Shares
228,126
All other shares
3,050
Non Member Deposits
49
Money Market Shares
6,876
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)
138,922,652
Total Liabilities
2,758,222,420
Source: NCUA — Last Updated 06/30/2026
Customer Reviewsraymond 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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Frequently Asked Questions About AmeriCU Credit UnionDoes AmeriCU Credit Union offer CDs?Yes. AmeriCU Credit Union current CD rates include its 12 Month CD at 4.50% APY, its 3 Month CD at 4.50% APY and its 6 Month CD at 4.50% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from AmeriCU Credit Union NCUA insured?Yes. AmeriCU Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at AmeriCU Credit Union?The highest AmeriCU Credit Union CD rate is its 12 Month CD at 4.50% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does AmeriCU Credit Union offer?AmeriCU Credit Union CD rates are 4.50% APY for a 3 month CD, 4.50% APY for a 6 month CD, 4.50% APY for a 12 month CD and 4.00% APY for an 18 month CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with AmeriCU Credit Union for its full lineup. What is the lowest auto loan rate at AmeriCU Credit Union?The lowest AmeriCU Credit Union auto loan rate is its Vehicle Loans at 4.74% APR, verified by MonitorBankRates as of October 30, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do AmeriCU Credit Union rates compare?AmeriCU Credit Union's CD rates are 65% higher than the MonitorBankRates national average, and it has an A- health rating. AmeriCU Credit Union's top rates are its 12 Month CD at 4.50% APY, its High Rate Checking at 7.00% APY and its Vehicle Loans at 4.74% APR, verified by MonitorBankRates on October 30, 2026. Current AmeriCU Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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