Credit union · NCUA insured
Americo FCU
Top CarrotA $91.2M credit union headquartered in Erie, PA, with 7,375 members and 2 branches in Pennsylvania. Best rates: CDs 3.67% and savings 0.80% APY.
Americo FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 17 in Erie, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Americo FCU
Americo Federal Credit Union was formed in 2003 through the merger of Erie County School Employees Federal Credit Union and American Sterilizer Federal Credit Union.
The credit union operates offices in Erie, Pennsylvania.
- Headquarters
- 4101 Main St, Erie, PA 16511
- NCUA charter
- 12752
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of participating Select Employee Groups (SEGs) / sponsor companies.
Family and household
- Immediate family members (spouse, children, grandchildren, parents, grandparents, siblings, step-children, step-parents) of an eligible member can join.
Cost to join
- A $5.00 minimum share deposit in a savings account is required to open an account and maintain membership.
Branches
2 branches in Pennsylvania
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Pennsylvania
2 branches
- Main-000Main office4101 Main St, Erie, PA 16511Directions
- Branch-0012627 W 23rd ST, Erie, PA 16506Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.88% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.88% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.30% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $38 | $59 | — |
- CapitalNet worth ratio12.88%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.88%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.30%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$38Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Americo FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.