AmeriCU Credit Union

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AmeriCU Credit Union
Herkimer Office
EFK Plaza 326 E. State St
Herkimer, NY 13350
Fax: 315.866.7985

Savings Center
Share Savings
Money Market Accounts
Savings Holiday & Vacation Clubs
Certificates
Individual Retirement Accounts
Health Savings Accounts
Stars & Stripes Savings
Rising Stars Savings
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 are allowed per month. 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.

Checking

AmeriCU's checking services are designed to be easy and flexible with your needs in mind.

All of our checking services include the following benefits:

Free 24-hour telephone and online access
No-fee Visa check card
No-fee access to AmeriCU owned ATMs
No per check fees
Unlimited check writing
Check safekeeping
Online images to view front and back of cleared checks
Access to surcharge-free ATMs
Member Privilege overdraft privilege for your checking account
No Fee Checking is now Freedom Checking
Freedom Checking is designed for members who use their checking account primarily to pay bills and are looking for an economical, convenient checking package. No minimum balance requirement.

One of our accounts is called iQ Checking and it's designed for students age 18-25. This checking account is designed for our student members getting started in the world of finance.

NO minimum balance, NO monthly fees, NO check charges
FREE ATM access at AmeriCU ATMs, plus we’ll reimburse up to 8 foreign ATM fees per month
FREE Visa® Debit Card
FREE Online Banking with Bill Pay
Advantage Checking is now Performance Checking
Earn dividends, compounded and paid monthly, when you maintain an average daily balance of $2,500 or more. Maintain an average balance of $1,000 or more and save the $4.00 monthly minimum balance fee. (If, in any month, the average daily balance falls below $1,000, your account will be assessed a $4.00 monthly minimum balance fee.)

Aurora Checking is now Privileged Checking

For AmeriCU members age 50 or better, Privileged Checking offers you an outstanding package of services. Best of all, there are no fees! Earn dividends, compounded and paid monthly, when you maintain an average daily balance of just $500 or more.

Plus, Privileged Checking members receive: Free checks (up to 150 per order, in our US exclusive design). No-fee AMEX Travelers Cheques Discounts on AMEX Gift Cheques and TravelFunds Direct Services. See our Service Fee Schedule for a list of additional discounts and services.

Our other new checking plan is Prestigious Checking. Using Direct Deposit, this plan makes the most of your bill-paying money and pays you dividends on your balances while it saves you monthly fees. This is a tiered rate checking account. Earn dividends, compounded and paid monthly, when you maintain an average daily balance of $5,000 or more. Maintain an average balance of $5,000 or more and save the $10.00 monthly minimum balance fee. (If, in any month, the average daily balance falls below $5,000, your account will be assessed a $10.00 monthly minimum balance fee.) Reimbursement of up to 6 Non-proprietary ATM fees per month.

Qualified members, who are covered by a High Deductible Health plan, can take advantage of AmeriCU's HSA Checking. A member is able to make tax-deductible contributions into their account, accumulate tax-deferred earnings and withdraw funds tax-free for qualified medical expenses. Further, 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 and in doing so help the member establish a long-term investment alternative. We are pleased to offer this as either a single or family checking option.

Free VISA® Check/Debit Card

Instead of writing a check to pay for groceries, shopping or anything else, you can use your AmeriCU VISA® Check/Debit Card. It works like a check and can be used wherever VISA® is accepted. Instead of using credit, you’re paying with funds directly from your checking account. You can also use your VISA® Check/Debit Card to get instant cash at thousands of ATMs.