Credit union · NCUA insured
AmeriCU Credit Union Credit Card Rates
Top CarrotAmeriCU Credit Union credit card rates start at 11.90% APR. Rates checked October 16, 2026.
How AmeriCU Credit Union’s credit card rates compare
Compared with banks and credit unions near Syracuse, NY, where AmeriCU Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
AmeriCU Credit Union
– –
No ongoing APR published
Lowest rate
Auburn Community Federal Credit Union
7.90%APR
2nd-lowest rate
Oswego County Federal Credit Union
7.90%APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
AmeriCONNECT Visa Credit Card
Credit lines from $500 to $30,000. Standard APR is variable based on Prime Rate plus a margin (not to exceed 17.99% APR). Rates determined by creditworthiness at application. Foreign Transaction Fee is 1%; Cash Advance Fee is $10.00 or 3%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99%–4.99% | None | Introductory APR based on credit score for purchases made within the first 6 months of card opening. Offer not valid on existing cards or balance transfers from existing AmeriCU credit cards or loans. |
| Ongoing | 11.90%–17.99% | None | Standard variable APR for purchases following the introductory period. Standard APR may vary based on adding a margin to the Prime Rate, not to exceed 17.99% APR. |
AmeriCONNECT Visa Rewards Credit Card
Credit lines from $500 to $4,999.99. Standard APR is variable based on Prime Rate plus a margin (not to exceed 17.99% APR). 10,000 bonus reward points when spending $500 in first 90 days. Foreign Transaction Fee is 1%; Cash Advance Fee is $10.00 or 3%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR on purchases made within the first 12 months of opening. Offer not valid on existing cards or balance transfers from existing AmeriCU credit cards or loans. |
| Ongoing | 16.90%–17.99% | None | Standard variable APR for purchases following the introductory period. Standard APR may vary based on adding a margin to the Prime Rate, not to exceed 17.99% APR. |
AmeriCONNECT Visa Secured Credit Card
Credit lines from $500-$5,000 (credit limit equals balance in Secured Share). Great for beginning or rebuilding credit. Rates determined by creditworthiness at application. Foreign Transaction Fee is 1%; Cash Advance Fee is $10.00 or 3%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.90% | None | Non-variable APR for purchases. Listed as As low as 15.90% in table and 15.90% in footnotes. |
AmeriCONNECT Visa Signature Rewards Credit Card
Credit lines from $5,000 to $50,000. Standard APR is variable based on Prime Rate plus a margin (not to exceed 17.99% APR). Earn 1.5 reward points per dollar, 2x on gas and groceries; 20,000 bonus reward points when spending $1,000 in first 90 days. Foreign Transaction Fee is 1%; Cash Advance Fee is $10.00 or 3%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR for purchases within the first 12 months of opening. Offer not valid on existing cards or balance transfers from existing AmeriCU credit cards or loans. |
| Ongoing | 14.90%–17.99% | None | Standard variable APR for purchases following the introductory period. Standard APR may vary based on adding a margin to the Prime Rate, not to exceed 17.99% APR. |
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.