What are the current interest rates at AmeriCU Credit Union?

Current rates for AmeriCU Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 4.00%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
AmeriCU Credit Union

iAdvertiser Disclosure

AmeriCU Credit Union Rates & Review September 2026

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

AmeriCU Credit Union's 12 Month CDs rates are at 4.00%, 18 Month CD Special rates are at 4.00%, 18 Month CDs rates are at 4.00%, 3 Month CDs rates are at 4.00%, 6 Month CDs rates are at 4.00%. 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 10.17%. Rates last updated and verified on 09/22/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.17%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

AmeriCU Credit Union
Headquarters

1916 Black River Blvd N
Rome, NY 13440-2430

https://www.americu.org

AmeriCU Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificates	-	4.00%	12-month
Min Deposit $50 Details Annual Percentage Yields (APYs) current as of 22nd September 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
18 Month Certificate Special	-	4.00%	18-month
Min Deposit $500 Details Annual Percentage Yields (APYs) current as of 22nd September 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Cannot be combined with any other offer. Membership eligibility is required. Insured by NCUA. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
18 Month Share Certificates	-	4.00%	18-month
Min Deposit $50 Details Annual Percentage Yields (APYs) current as of 22nd September 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
3 Month Share Certificates	-	4.00%	3-month
Min Deposit $50 Details Annual Percentage Yields (APYs) current as of 22nd September 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
6 Month Share Certificates	-	4.00%	6-month
Min Deposit $50 Details Annual Percentage Yields (APYs) current as of 22nd September 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%

AmeriCU Credit Union Checking Rates

Product	Rate	APY
High Rate Checking	-	7.00%
Min Deposit $0 Min Balance $10,000 Details Qualifications Required: 12 or more debit signature swipes per monthly statement cycle; Be enrolled with eStatements; Have a minimum $5,000 loan in good standing (not including credit cards or student loans).; Qualifying balance up to $10,000.00; Rate is 6.00% APY without a qualifying loan. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%
High Rate Checking	-	0.05%
Min Deposit $0 Min Balance $10,000 Details If you don't meet the above requirements, you will earn 0.05% APY on balances up to $10,000, and 0.05% to 0.15% APY on balances over $10,000. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.17%

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.

Financial Health History

AmeriCU Credit Union’s Texas Ratio rose from 7.87% in Q2 2023 to 10.17% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$3.0B	10.17%	5.0	A
December 31, 2025	$3.0B	13.31%	5.0	A
September 30, 2025	$2.8B	14.21%	5.0	A-
June 30, 2025	$2.8B	13.24%	5.0	A
March 31, 2025	$2.8B	13.77%	5.0	A
December 31, 2024	$2.7B	16.90%	4.8	B+
September 30, 2024	$2.7B	17.05%	4.8	B+
June 30, 2024	$2.7B	15.89%	4.9	A-
March 31, 2024	$2.7B	12.94%	5.0	A
December 31, 2023	$2.7B	11.89%	5.0	A
September 30, 2023	$2.7B	9.96%	5.0	A
June 30, 2023	$2.7B	7.87%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 474

Part-Time Employees 14

Branch Locations 23

ATM Locations 23

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.17%

Return on Assets (ROA)

0.1803%

Return on Equity (ROE)

1.9107%

Non-Performing Loans Ratio (NPL)

1.27%

Total Assets

3,014,446,514

Total Amount of Shares and Deposits

2,620,531,255

Total Shares and Deposits < 1 Year

2,366,139,638

Total Shares and Deposits 1 3 Years

245,363,903

Total Shares and Deposits > 3 Years

9,027,714

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

252,988,329

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

262,483,055

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

2,358,048,200

Total Interest Expense (Sum of items 6 8)

14,558,525

Share Certificates

22,018

Number of Accounts for Share Drafts

95,096

IRA KEOGH Accounts

8,574

Number of Accounts for Regular Shares

223,857

All other shares

3,033

Non Member Deposits

Money Market Shares

7,249

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)

154,053,908

Total Liabilities

2,750,344,106

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

AmeriCU Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/americu-credit-union-rates-review-68433">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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.

Log in to reply Are you from AmeriCU Credit Union and want to reply to a review? Log in or register and verify yourself to reply as a representative from AmeriCU Credit Union.

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.