At AmeriCU Credit Union, every account is built on a relationship — not a rate sheet. We've spent nearly nine decades putting members first, and our commitment hasn't changed.
90+
Years Serving Members
$500M+
Assets Under Management
25K+
Active Members
4.8
Average Member Rating
From everyday checking to long-term wealth planning, every solution we offer is designed with one question in mind: does this genuinely help our members thrive?
No hidden fees, no minimum balance anxiety. Our everyday checking is built for the way you actually spend and save.
Learn moreHigher rates than the big banks — because your money should work harder for you, not for our shareholders.
Learn moreWhether it's your first home or your forever home, we guide you through every step with competitive rates and real people.
Learn moreNew car, used car, or refinancing — we make the process straightforward with rates that respect your budget.
Learn moreFixed rates, no prepayment penalties, and approval decisions that don't keep you waiting. Your money, your timeline.
Learn moreRetirement planning, investment advice, and estate strategies — all tailored to your goals, not a one-size-fits-all script.
Learn more
Since 1935
Serving Oswego County
When AmeriCU was founded in Fulton, the idea was simple: people who bank together should benefit together. No Wall Street executives. No profit-maximizing algorithms. Just neighbors helping neighbors build financial security.
Today, we're one of the largest credit unions in New York State — but we haven't forgotten what started us. Every decision we make, from our rate structures to our community investments, is guided by one principle: our members come first.
We're federally insured by the NCUA, member-owned, and committed to the Fulton community that has supported us for nearly a century.
Member-Owned
You're a owner, not a product
NCUA Insured
Up to $250,000 per account
No Hidden Fees
Transparent, honest banking
Local Decisions
Loans approved locally
Because we're member-owned, the profits we earn go back to you — in the form of higher savings rates and lower loan rates.
4.50%
APY · As advertised
Grow your savings faster with a rate that actually competes with the best online banks — without sacrificing local service.
6.50%
APR · Fixed rate · As advertised
Competitive mortgage rates with local underwriting. We know our community, and that makes the approval process smoother.
5.99%
APR · Fixed rate · As advertised
New or used, we offer competitive auto loan rates with flexible terms that fit your monthly budget.
Rates are subject to change. See branch for current rates. NCUA insured. Terms and conditions apply.
"I've been with AmeriCU for over 20 years. When I needed a mortgage, they treated me like family — not a file number. That's the difference."
Margaret T.
Member since 2003 · Fulton, NY
Open an account in minutes. Visit us in Fulton, call us toll-free, or start online. Either way, you'll be talking to real people who know your name.
Visit us at our Fulton branch, give us a call, or send a message. We respond to every inquiry personally.
Branch Location
722 W Broadway
Fulton, NY 13069
Phone
(800) 388-2000Branch Hours
Monday – Friday: 9:00 AM – 5:00 PM
Saturday – Sunday: Closed
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