What are the current interest rates at AmeriCU Credit Union?

Current rates for AmeriCU Credit Union include: 12-Month CD: 4.50%, 18-Month CD: 4.00%

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AmeriCU Credit Union

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AmeriCU Credit Union Rates & Review October 2026

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

AmeriCU Credit Union's top rates as of October 10, 2026 are 4.50% APY on its 12 Month CDs CD, and 7.00% APY on checking, according to rates verified by MonitorBankRates. Other AmeriCU Credit Union CD rates include 3 Month CDs at 4.50%, 6 Month CDs at 4.50%, and 18-Month Special CD at 4.00%. 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 10/10/2026.

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 Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

14.76%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

AmeriCU Credit Union
Headquarters

1916 Black River Blvd N
Rome, NY 13440-2430

https://www.americu.org

Customer Reviews

1.0 ★ 1 review

Write a Review

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

Product	Rate	APY	Term
12 Month Share Certificates	-	4.50%	12 month
Min Deposit $50 Min Balance $50 Details Annual Percentage Yields (APYs) current as of 9th October 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 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Oct 10, 20264.50%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
3 Month Share Certificates	-	4.50%	3 month
Min Deposit $50 Min Balance $50 Details Annual Percentage Yields (APYs) current as of 9th October 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 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Oct 10, 20264.50%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
6 Month Share Certificates	-	4.50%	6 month
Min Deposit $50 Min Balance $50 Details Annual Percentage Yields (APYs) current as of 9th October 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 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Oct 10, 20264.50%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
18-Month Special Share Certificate	-	4.00%	18 month
Min Deposit $500 Min Balance $500 Details Annual Percentage Yields (APYs) current as of 9th October 2026 and are subject to change without notice. Minimum balance of $500 required. 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 10/10/2026 Rate History No change since Oct 10, 2026 · 4.00% APY Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%

AmeriCU Credit Union Checking Rates

Product	Rate	APY
High Rate Checking	-	7.00%
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 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 7.00% ▲ 6.95 pts · high 7.00% / low 0.05% Sep 18, 20267.00%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
High Rate Checking	-	0.15%
Details If requirements are not met, APY is 0.05% to 0.15% on balances over $10,000. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 0.15% ▼ 5.85 pts · high 6.00% / low 0.15% Sep 27, 20260.15%▼ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%
High Rate Checking	-	0.05%
Min Balance $10,000 Details If requirements are not met, APY is 0.05% on balances up to $10,000. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%

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 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)

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
June 30, 2026	$3.0B	14.76%	5.0	A-
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

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 467

Part-Time Employees 12

Branch Locations 23

ATM Locations 23

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates 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

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

Q2 2026 MBR Health & Safety Badge

AmeriCU Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<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-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 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.

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Average Rating

★☆☆☆☆

Total Reviews

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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.