AMERICU

1916 BLACK RIVER BLVD
Rome, NY 13440

Notable Rates APY Vs.Others
Savings 0.70% 2.25% →
1-Year CD 2.70% 2.25% →
2-Year CD 2.85% 2.50% →
5-Year CD 3.15% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

Americu is an NCUA insured institution located in Rome, NY. It was founded in 1978 and has approximately $1670.29 millions in assets.

Who can join?

If you live, work, worship, or attend school in Central or Northern New York, then you are eligible to join.

NCUA Insured Yes
Charter Number # # 68433
Date Established 1978
Assets $1,670.29 million
Loans $1,173.50 million
Deposits $1,448.08 million
Capital $151.08 million
 

Field of Membership Restrictions

Membership in Americu is open to those who live, work, attend school or worship in Oswego, Onondaga, Cayuga, Madison, Jefferson, Lewis, Herkimer, Cortland Counties and select areas of Oneida County.

Deposit Rates - December 14, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.75% $2,500 $9,999 Learn MoreShow Less
Money Market
0.80% $10,000 $24,999 Learn MoreShow Less
Money Market
0.90% $25,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
2.65% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.75% $1,000 $99,999 Learn MoreShow Less
3 Mo CD
0.75% $100,000 - Learn MoreShow Less
1.30% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
1.30% $100,000 - Learn MoreShow Less
2.70% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
2.70% $100,000 - Learn MoreShow Less
18 Mo CD
2.70% $1,000 - Learn MoreShow Less
24 Mo CD
2.85% $1,000 - Learn MoreShow Less
30 Mo CD
2.85% $1,000 - Learn MoreShow Less
36 Mo CD
2.95% $500 - Learn MoreShow Less
48 Mo CD
3.05% $500 - Learn MoreShow Less
60 Mo CD
3.15% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.70% $50 $999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.30% $2,500 - Learn MoreShow Less

Loan Rates - December 14, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for AMERICU

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.625% 3.625% -0.13 ($222) $1,141 Learn More
First Internet Bank
NMLS ID: 424182
3.537% 3.500% 0.50 $1,162 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to AMERICU
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are Americu branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Americu Locations


Financial Details

Americu Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Americu. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Americu U.S. Average
8.64% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Americu had $13,776,119 in non-current loans and $415,441 in owned assets. To cover these potential losses it had $151,080,248 in net worth and $13,138,888 in loans loss reserves. That gives it a Texas Ratio of 8.64%.

Net Worth
Americu U.S. Average
9.04% 13.65%

Americu FCU has a net worth of 9.04% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Americu

Branches and Savings

What is Americu?

A federal credit union, registered with the NCUA under certificate #68433.
Learn more about credit unions here.

Is Americu FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Americu?

Please see Field of Membership information above for information on who is eligible to join.

What are Americu's share account and share certificate rates?

Americu's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Americu?

Americu has total capital of $151.08 million. Full information on Americu's financial position is located above.

Who owns Americu?

Credit Unions are owned by their members.

Where are Americu branches located?

See branch locations nearby.

Are Americu ATMs Open 24/7?

Do Americu ATMs accept cash deposits?

Can Americu customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Americu have a mobile app?

Does Americu have mobile deposit?

Does Americu have quick pay?

How can Americu transfer money to other banks or credit unions?

Does Americu report to credit bureaus?

Does Americu use Chexsystems?

Does Americu use Equifax?

What is Americu's toll free phone number?

What is Americu's ACH Routing Number?

What is Americu's SWIFT code?

Where can I find Americu's wire transfer form?

What is the Americu address for deposits?

What Products Does Americu Offer

Does Americu offer mortgages?

Compare mortgage rates here.

Does Americu offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Americu offer auto and RV loans?

Compare auto loan rates here.

Does Americu offer student loans or personal loans?

Compare personal loan rates here.

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