Credit union · NCUA insured
AmeriCU Credit Union
Top CarrotA $3B credit union, the 168th largest of 4,329, headquartered in Rome, NY, with 205,600 members and 23 branches in New York. Best rates: CDs 4.50% and savings 0.40% APY.
AmeriCU Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 92% of U.S. banks and credit unions
#2 of 32 in Syracuse, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About AmeriCU Credit Union
AmeriCU Credit Union has a field of membership footprint covering 51 counties across New York State.
- Headquarters
- 1916 Black River Blvd N, Rome, NY 13440-2430
- NCUA charter
- 68433
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- AmeriCU Credit Union has a Field of Membership footprint covering 51 counties across New York State.
Branches
23 branches in New York
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New York
23 branches
Syracuse area · 9
- Camillus5212 W Genesee St, Camillus, NY 13031Directions
- Cazenovia82 Albany St, Cazenovia, NY 13035Directions
- Cicero6414 State Route 31, Cicero, NY 13039Directions
- Fayetteville5439 N Burdick St, Fayetteville, NY 13066Directions
- Liverpool7474 Oswego Rd, Liverpool, NY 13090Directions
- Oneida280 Genesee St, Oneida, NY 13421Directions
- Armory Square200 Walton St, Syracuse, NY 13202Directions
- Onondaga Hill4865 W Seneca Tpke, Syracuse, NY 13215Directions
- Syracuse6303 Thompson Rd, Syracuse, NY 13206Directions
Utica area · 5
- HeadquartersMain office1916 Black River Blvd N, Rome, NY 13440Directions
- Herkimer326 E State St, Herkimer, NY 13350Directions
- Griffiss231 Hill Rd, Rome, NY 13441Directions
- North Utica224 N Genesee St STE 3, Utica, NY 13502Directions
- Commercial Drive4957 Commercial Dr, Yorkville, NY 13495Directions
Plattsburgh area · 2
- AuSable Forks2499 State Route 9N, Au Sable Forks, NY 12912Directions
- Peru FC700 Bear Swamp Rd, Peru, NY 12972Directions
Watertown area · 2
- Fort Drum10690 Enduring Freedom Dr # B10750, Fort Drum, NY 13602Directions
- Watertown871 Arsenal St, Watertown, NY 13601Directions
Auburn area · 1
- Auburn295 Grant Ave, Auburn, NY 13021Directions
Cortland area · 1
- Cortland3944 State Rte 281, Cortland, NY 13045Directions
Keeseville area · 1
- Keeseville FC1716 Front St, Keeseville, NY 12944Directions
Lowville area · 1
- Lowville7394 Utica Blvd, Lowville, NY 13367Directions
Wilmington area · 1
- Wilmington FC5790 NYS Route 86, Wilmington, NY 12997Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.56% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.89% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.69% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $97 | $88 | — |
- CapitalNet worth ratio9.56%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.89%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.69%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$97Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 AmeriCU Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.