Americu is an NCUA insured institution located in Rome, NY. It was founded in 1978 and has approximately $2959.84 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 / State-Chartered |
| Charter Number # | # 68433 |
| Date Established | 1978 |
| Assets | $2,959.84 million |
| Loans | $2,529.31 million |
| Deposits | $2,547.35 million |
| Capital | $279.09 million |
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.05% | $2,500 | $4,999 |
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|
| Share
|
0.10% | $5,000 | - |
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|
|
Money Market
|
0.25% | $2,500 | $9,999 |
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|
|
Money Market
|
0.40% | $10,000 | $24,999 |
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|
|
Money Market
|
0.50% | $25,000 | $49,999 |
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|
|
Money Market
|
0.60% | $50,000 | $99,999 |
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|
|
Money Market
|
0.80% | $100,000 | $249,999 |
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|
|
Money Market
|
0.90% | $250,000 | $999,999 |
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|
|
Money Market
|
1.00% | $1,000,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Month Partner
|
4.00% | $500 | - |
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|
| 6 Mo CD
|
4.00% | $500 | - |
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|
| 12 Mo CD
|
4.00% | $500 | - |
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|
| 18 Mo CD
|
4.00% | $500 | - |
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|
| 24 Mo CD
|
3.75% | $500 | - |
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|
| 36 Mo CD
|
3.50% | $500 | - |
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|
| 48 Mo CD
|
3.50% | $500 | - |
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|
| 60 Mo CD
|
3.50% | $500 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.15% | $10,000 | - | Learn More |
Your Current Location: New York, NY 10116
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:
Note to Americu
To upload and update your bank's rates please register.
It is free to register and add rates.
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:
New York City,New York
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 168.06 | A | View Lobby Hours | |
| 177.77 | B | View Lobby Hours | |
| 178.84 | C | View Lobby Hours | |
| 181.78 | D | View Lobby Hours | |
| 185.31 | E | View Lobby Hours | |
| 188.74 | F | View Lobby Hours | |
| 190.13 | G | View Lobby Hours | |
| 192.90 | H | View Lobby Hours | |
| 196.30 | I | View Lobby Hours | |
| 197.14 | J | View Lobby Hours | |
| 197.53 | K | View Lobby Hours | |
| 200.63 | L | View Lobby Hours | |
| 202.60 | M | View Lobby Hours | |
| 204.31 | N | View Lobby Hours | |
| 205.17 | O | View Lobby Hours | |
| 225.85 | P | View Lobby Hours | |
| 248.88 | Q | View Lobby Hours | |
| 1066.80 | R | View Lobby Hours |
AMERICU is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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.
| Americu | U.S. Average |
|---|---|
| 11.91% | 6.78 |
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 December 31, 2025, Americu had $34,687,732 in non-current loans and $1,566,422 in owned assets. To cover these potential losses it had $279,086,094 in net worth and $25,209,508 in loans loss reserves. That gives it a Texas Ratio of 11.91%.
| Americu | U.S. Average |
|---|---|
| 9.43% | 14.48% |
Americu FCU has a net worth of 9.43% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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Last Update on September 11, 2026
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