Credit union · NCUA insured
AmeriCU Credit Union CD Rates
Top CarrotAmeriCU Credit Union’s best CD rate is 4.50% APY on a 3-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How AmeriCU Credit Union’s CD rates compare
Compared with banks and credit unions near Syracuse, NY, where AmeriCU Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
AmeriCU Credit Union
4.50%APY
- Term
- 3 months
- Minimum
- $50
- Earns on $10,000
- $111
Share Certificates
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Crouse Federal Credit Union
4.75%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $235
AmeriCU Credit Union CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.50%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where AmeriCU Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.50%APY · 7 terms
Rates are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. The minimum balance to earn APY is the same as the minimum opening deposit.
| Term | APY · $50 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsThe minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date | 4.50% | — | 4.50% | $111 |
| 6 monthsThe minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date | 4.50% | — | 4.50% | $223 |
| 12 monthsThe minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date | 4.50% | — | 4.50% | $450 |
| 24 monthsThe minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date | — | 3.75% | 3.75% | $764 |
| 36 monthsThe minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date | — | 3.50% | 3.50% | $1,087 |
| 48 monthsThe minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date | — | 3.50% | 3.50% | $1,475 |
| 60 monthsThe minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date | — | 3.50% | 3.50% | $1,877 |
Sources (1)
- americu.org/current-rates · captured Oct 16, 2026
Share Certificate Special
4.00%APY · 1 term
Fixed dividend rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Membership eligibility is required. Insured by the NCUA. Withdrawals of principal are subject to early withdrawal penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsWithdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Membership eligibility is required | 4.00% | $606 |
Sources (1)
- americu.org/current-rates · captured Oct 16, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.50%APY · 7 terms
Includes Traditional, Tax-Free Roth & Coverdell ESAS. Rates are current as of 16th October 2026 and are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. The minimum balance to earn APY is the same as the minimum opening deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsThe minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date | 4.50% | $111 |
| 6 monthsThe minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date | 4.50% | $223 |
| 12 monthsThe minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date | 4.50% | $450 |
| 24 monthsThe minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date | 3.75% | $764 |
| 36 monthsThe minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date | 3.50% | $1,087 |
| 48 monthsThe minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date | 3.50% | $1,475 |
| 60 monthsThe minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date | 3.50% | $1,877 |
Sources (1)
- americu.org/current-rates · captured Oct 16, 2026
Who can join AmeriCU Credit Union
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.
Membership information collected October 5, 2026.