AmeriCU Credit Union Savings & Money Market Rates

How AmeriCU Credit Union’s savings 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
1.25%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$125
High Rate Money Market
Top rate
Canandaigua National Bank
3.15%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$315
Canandaigua National Bank rates
2nd-highest rate
Ukrainian Federal Credit Union
2.02%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$202
Ukrainian Federal Credit Union rates

Compare savings rates near you →

Savings score

Higher than 46% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.03%
$10,000 balance$10,0000.40%
$100,000 balance$100,0000.80%
QualifiedQualified1.25%

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.

How the score works →

Where AmeriCU Credit Union ranks

By savings score, in each area where it has branches

And 1 more area →

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

High Rate Money Market

Up to 1.25%APYRequirements apply

Membership eligibility required. Insured by NCUA. Rates may change after the account is opened. Fees may reduce earnings. Minimum balance requirements apply to each tier.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Premium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.	0.25%	—	Premium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.
$10,000 – $25,000Premium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.	1.25%	$125	Premium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.
$10,000 – $25,000Standard APY applied if premium qualification requirements are not met.	0.40%	$40	Standard APY applied if premium qualification requirements are not met.
$25,000 – $50,000Premium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.	1.50%	—	Premium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.
$25,000 – $50,000Standard APY applied if premium qualification requirements are not met.	0.50%	—	Standard APY applied if premium qualification requirements are not met.
$50,000 – $100,000Premium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.	2.00%	—	Premium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.
$50,000 – $100,000Standard APY applied if premium qualification requirements are not met.	0.60%	—	Standard APY applied if premium qualification requirements are not met.
$100,000 – $250,000Premium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.	2.50%	—	Premium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.
$100,000 – $250,000Standard APY applied if premium qualification requirements are not met.	0.80%	—	Standard APY applied if premium qualification requirements are not met.
$250,000 – $1,000,000Premium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.	2.75%	—	Premium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.
$250,000 – $1,000,000Standard APY applied if premium qualification requirements are not met.	0.90%	—	Standard APY applied if premium qualification requirements are not met.
$1,000,000 and upPremium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.	3.00%	—	Premium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.
$1,000,000 and upStandard APY applied if premium qualification requirements are not met.	1.00%	—	Standard APY applied if premium qualification requirements are not met.

Sources (2)

All captured Oct 16, 2026

Money Market Savings

0.40%APY

This variable rate savings option pays dividends compounded and paid monthly. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings on account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $500	0.01%	—
$500 – $1,000	0.01%	—
$1,000 – $2,500	0.03%	—
$2,500 – $10,000	0.25%	—
$10,000 – $25,000	0.40%	$40
$25,000 – $50,000	0.50%	—
$50,000 – $100,000	0.60%	—
$100,000 – $250,000	0.80%	—
$250,000 – $1,000,000	0.90%	—
$1,000,000 and up	1.00%	—

Sources (1)

americu.org/current-rates · captured Oct 16, 2026

Secured Visa Savings Share Accounts

0.10%APYRequirements apply

Available to members with our Secured VISA product only.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.01%	—
$1,000 – $2,500	0.03%	—
$2,500 – $5,000	0.05%	—
$5,000 and up	0.10%	$10

Sources (1)

americu.org/current-rates · captured Oct 5, 2026

Share Savings

0.10%APY$0.01 to open

Keep a minimum deposit of one penny ($0.01) to open and maintain membership.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.01%	—
$1,000 – $2,500	0.03%	—
$2,500 – $5,000	0.05%	—
$5,000 and up	0.10%	$10

Sources (2)

All captured Oct 5, 2026

Special-purpose accounts

Health Savings Account (HSA) Money Market

1.74%APYHSA

To open this account please click “Let’s Connect” in the bottom right-hand corner, or visit your nearest Financial Center location. Variable rate savings option pays dividends compounded and paid monthly. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings on account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $2,500	1.00%	—
$2,500 – $5,000	1.24%	—
$5,000 – $10,000	1.49%	—
$10,000 – $50,000	1.74%	$174
$50,000 – $100,000	1.98%	—
$100,000 and up	2.23%	—

Sources (1)

americu.org/current-rates · captured Oct 16, 2026

Health Savings Accounts

1.30%APYHSA

Available to qualified individuals covered by a High Deductible Health Plan (HDHP). Single and family options available.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $2,500	1.00%	—
$2,500 – $5,000	1.10%	—
$5,000 – $10,000	1.20%	—
$10,000 – $50,000	1.30%	$130
$50,000 – $100,000	1.40%	—
$100,000 and up	1.50%	—

Sources (2)

All captured Oct 5, 2026

Holiday & Vacation Clubs

0.10%APYClub

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.01%	—
$1,000 – $2,500	0.03%	—
$2,500 – $5,000	0.05%	—
$5,000 and up	0.10%	$10

Sources (1)

americu.org/current-rates · captured Oct 5, 2026

Rising Stars Share Savings

0.10%APYKids and teens$0.01 to open

For members age 13-17. Requires an adult joint owner. No monthly service or maintenance fees. Eligible for the AmeriCU Scholarship Program. Automatically transitions to a Share Savings Account when turning 18.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.01%	—
$1,000 – $2,500	0.03%	—
$2,500 – $5,000	0.05%	—
$5,000 and up	0.10%	$10

Sources (2)

All captured Oct 5, 2026

Stars and Stripes Share Savings

0.10%APYKids and teens$0.01 to open

For members age 0-12. Requires an adult joint owner. No monthly service or maintenance fees.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.01%	—
$1,000 – $2,500	0.03%	—
$2,500 – $5,000	0.05%	—
$5,000 and up	0.10%	$10

Sources (2)

All captured Oct 5, 2026

Traditional, Tax-Free Roth & Coverdell ESAS

0.10%APYIRA

Variable rate retirement savings accounts (Traditional IRA, Roth IRA, Coverdell ESA).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.01%	—
$1,000 – $2,500	0.03%	—
$2,500 – $5,000	0.05%	—
$5,000 and up	0.10%	$10

Sources (2)

All captured Oct 5, 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.

Check membership requirements ↗Branches and institution details

← AmeriCU Credit Union overview

How AmeriCU Credit Union’s savings rates compare

AmeriCU Credit Union savings score

Current savings rates

High Rate Money Market

Money Market Savings

Secured Visa Savings Share Accounts

Share Savings

Special-purpose accounts

Health Savings Account (HSA) Money Market

Health Savings Accounts

Holiday & Vacation Clubs

Rising Stars Share Savings

Stars and Stripes Share Savings

Traditional, Tax-Free Roth & Coverdell ESAS

Who can join AmeriCU Credit Union

Where you live or work