AmeriCU Credit Union

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AmeriCU Credit Union
Route 5
Oneida, NY 13421
Fax: 315.361.1064
TeleLink (automated telephone access) 1.800.232.4330 / 315.337.4373

Share Savings

Your membership with AmeriCU begins with a Share Savings Account. Start one with a minimum deposit of $5 or more. You'll be rewarded with dividends, compounded and paid monthly, when you maintain a daily balance of $50 or more. Opt for direct deposit and automatic transfers make building up your savings a breeze!

Money Market Savings Account

Our Money Market Savings is a great opportunity for the investor who wants liquidity. This account pays tiered rates (as balances increase, rates do too), and provides daily access to your funds. Low $2,500 opening deposit. No service charge when a minimum $1,000 average daily balance is maintained (low $4 monthly fee for average balances under $1,000). Unlimited additional deposits. Six transfers/withdrawals per month, no more than three of which can be made by check or Visa Check Card. Transfers/withdrawals in excess of the limit will be charged $4 each.

Holiday & Vacation Clubs

Goal-oriented savings plans. Low $5.00 opening deposit. Earn dividends, compounded and paid monthly, when an average daily balance of just $50 is maintained. No monthly or per transaction service charges. Unlimited deposits, with no pre-set amounts.

Certificates

Whatever your savings needs, our Share Certificates offer you total investment flexibility. You can choose a term of 32 days up to 72 months and earn dividends that are compounded daily and paid monthly.

Individual Retirement Accounts

With an IRA at AmeriCU, you can enjoy a variety of investment options to meet long, medium or short-term needs. Make an informed decision about your retirement with complete descriptions of the Traditional, Roth and Coverdell ESAs.

Health Savings Accounts

For members who are covered by a High Deductible Health plan, AmeriCU offers HSA Savings. Members can make tax-deductible contributions into their accounts, accumulate tax-deferred earnings and withdraw funds tax-free for qualified medical expenses. Eligible account balances of $25 or more earn dividends which are compounded and paid monthly. Benefits include being able to have the funds rollover from year to year, establishing a long-term savings alternative. We are pleased to offer this as either a single or a family savings option.

Savings Plans for Young People

We've encouraged our youngest members to save with the AmeriKids Account, changed to Stars & Stripes (for ages 0-12 years). For the young adult, the Prime Share Under 18 will now be known as Rising Stars Savings Account (for ages 13-17)

The coolest thing about belonging to AmeriCU is at the Credit Union, you're a member and an owner, not just a customer. We return the profits to you, the member, in the form of improved products and services.

Credit unions are financial cooperatives. That means they are member-owned and operated. The volunteers who serve on the board of directors are elected by and from the membership.

Start saving for your future today with a share savings account from AmeriCU, and earn dividends* on your savings.

*The average daily balance required to earn dividends on Regular Share Savings (held by members under 18 years of age), is $0.01. If your average daily balance falls below $0.01 during the dividend period, you will not earn dividends for the period.