Deal Summary:

Americu’s best and highest paying certificate of deposit option is their 5-year Partner CD which pays 1.04% APY. The minimum deposit is $500 and interest is paid upon maturity.

Americu CD options:

The second best option through Americu is a 1.01% APY Partner Certificate of Deposit. This CD also has a minimum deposit of $500 with interested paid upon maturity.

Their shorter term options include $1000 minimum deposits for a range of their 2 year certificates to their 60 day certificates paying a range of up to .90% AP to .18% APY.

AmeriCU does offer tiers of interest rates based on your level of membership with AmeriCU. Contact AmeriCU to learn how to get the highest earning interest rate possibly, and we’ll discuss additional details about our certificates of deposit.

Certificates of Deposit are a great option for people seeking a shorter or longer term opportunity who don’t need their cash on hand but can also enjoy an almost no risk investment. Investors can also deposit more than the minimum amount if they want to.


The only requirement to open an AmeriCU CD is to become a member of AmeriCU and have an open checking or savings account from which to transfer money. You can start opening your account online, over the phone, or by visiting one of our locations in person.


AmeriCU’s locations are spread around New York to help our users find a location or branch easily regardless of where they are. Rome and Syracuse both have two branches or financial centers. Our 19 locations are ready to serve you!

Bank Overview

AmeriCU has been locally owned for over 50 years. We believe that our success is tied to the success of our community. We support national organizations with local ties, like the American Cancer Society’s Relay for Life in Rome, New York and the American Heart Association’s Walk challenges in Utica and Syracruse.

We are also an active supporter and sponsor of more local events like the Taste of Syracuse: Restaurant Rescue and the Be a Neighbor Fund, which was founded to help local small businesses. We believe and know that small businesses employ many of our customers and their success means the success of the entire community.

AmeriCU also actively supports cancer research through the Baldwin Fund, which provides research in the New York Area in an attempt to find ways to prevent and cure cancer.

AmeriCU offers personal banking, business banking, and investment services for both. One of our goals is financial literacy, so we have financial advisors as well as student education for financial wellness. We believe in teaching students and adults how to invest and make responsible choices with money. Our goal is to help you with a lifetime of financial advice and borrowing needs, regardless of which stage of life you are starting in.