Americu Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Cortland	3944 NY-281, Cortland, NY 13045	View Lobby Hours
Onondaga Community College	4585 W Seneca Tpke, Syracuse, NY 13215	View Lobby Hours
Cazenovia	82 Albany St, Cazenovia, NY 13035	View Lobby Hours
Lowville	7394 Utica Blvd, Lowville, NY 13367	View Lobby Hours
Camillus	5212 W Genesee St, Camillus, NY 13031	View Lobby Hours
Fayetteville	5439 N Burdick St, Fayetteville, NY 13066	View Lobby Hours
Syracuse	6303 Thompson Rd, Syracuse, NY 13206	View Lobby Hours
Fort Drum	10690 Enduring Freedom Dr # B10750, Fort Drum, NY 13602	View Lobby Hours
Herkimer	326 E State St, Herkimer, NY 13350	View Lobby Hours
Oneida	280 Genesee St, Oneida, NY 13421	View Lobby Hours
Liverpool	7474 Oswego Rd, Liverpool, NY 13090	View Lobby Hours
Griffiss	231 Hill Rd, Rome, NY 13441	View Lobby Hours
Commercial Drive	4957 Commercial Dr, Yorkville, NY 13495	View Lobby Hours
Cicero	6414 State Route 31, Cicero, NY 13039	View Lobby Hours
Auburn	295 Grant Ave, Auburn, NY 13021	View Lobby Hours
Armory Square	200 Walton St, Syracuse, NY 13202	View Lobby Hours
Headquarters	1916 Black River Blvd N, Rome, NY 13440	View Lobby Hours
North Utica	224 N Genesee St, Utica, NY 13502	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 246585	6.259%	6.125%	0.88	$4,585	$1,945	Learn More
NMLS ID: 1945532	6.300%	6.125%	0.88	$6,000	$1,945	Learn More
NMLS ID: 1429043	6.300%	6.125%	0.88	$6,000	$1,945	Learn More
NMLS ID: 135622 License#: 233759	6.353%	6.250%	0.75	$3,495	$1,971	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Achieve Loans See Table	Intro APR 10.375 % After Intro: 10.375 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Equal Housing Opportunity. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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