Americu Cicero NY Credit Union | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Americu, your trusted financial partner located at 6414 State Route 31, Cicero, NY 13039. Since opening our doors in 1978, we have proudly served our community, growing to over 167,000 members who rely on us for their banking needs. With total assets of $2,693,858,739 and total deposits reaching $60,545,589, we are dedicated to providing financial solutions that truly benefit our members. At Americu, we understand the importance of being a part of your financial journey. Our commitment to you is reflected in our robust offerings: from personal banking services like checking and savings accounts to auto loans and mortgage refinancing. We also cater to businesses with merchant services and business loans, ensuring every aspect of your financial life is covered. Under the leadership of our CEO, Ronald Belle, and Board President Nicholas Fabrizio, we strive for excellence in service and support. Our team of 434 employees is here to assist you with a range of banking services from online banking to basic drive-thru transactions making it easier than ever for you to manage your finances. While members can visit us at our Cicero branch, official correspondence should be sent to 6414 State Rt 31, Cicero, NY 13039. If you have any questions or need assistance, don't hesitate to reach out at 315-699-4545. Join us at Americu today and experience the difference of a credit union that truly cares about its members. Explore our website at Americu.org or visit us in person to discover how we can help you achieve your financial goals!

Branch History & Mission

Join Us

As you explore your financial options, consider becoming part of the Americu family. With convenient operating hours from Monday through Friday and ATM availability for quick access to your funds, we are here for you whenever you need us. Our drive-thru service offers additional convenience for everyday banking tasks. We invite you to experience the benefits that come with being a member of Americu. Reach out today at (315) 699-4545 or visit us online at Cicero to learn more about how we can help you achieve your financial goals!

Our Journey

From the start, Americu has been committed to making a difference in the lives of our members. Over the years, we have embraced change and innovation while staying true to our core values. As we expanded, we introduced new services such as personal banking, auto loans, mortgage options, and business banking solutions. Each milestone reflects our unwavering dedication to supporting local families and businesses. Our branch has also adapted to the evolving landscape of banking with digital advancements. We offer online banking and mobile applications that make managing finances easier than ever. Additionally, we ensure accessibility with ADA-compliant facilities, so everyone can benefit from our services.

Our Mission

At Americu, our mission is clear: we strive to empower our members through accessible financial solutions while fostering community support. We believe that strong communities build strong futures. Therefore, we actively engage in outreach efforts and partnerships that uplift those around us. Whether it's sponsoring local events or providing educational resources on financial literacy, we are dedicated to making a positive impact. While members can visit us at 6414 State Route 31, official correspondence should be sent to 6414 State Rt 31, Cicero, NY 13039 if it differs from our physical address.

Branch Location & Accessibility

Easy Access and Parking

Parking is ample and available right outside the branch, ensuring that you can quickly get in and out. For those who may need extra assistance, we have ADA-compliant features such as ramps to make your visit comfortable.

Join Us Today!

If you're in the neighborhood or planning a trip down State Route 31, come visit us at Americu in Cicero! Our friendly team is eager to assist you with all your banking needs. Feel free to give us a call at 315-699-4545 if you have any questions before your visit. We look forward to seeing you soon!

Operating Hours Designed for You

We understand that life can be busy! That's why we offer flexible operating hours throughout the week. Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM, with extended hours until 6:00 PM on Fridays. Whether you're stopping by to open a new account or simply need to make a deposit, we're here when you need us.

Services Tailored for You

At Americu, we pride ourselves on offering a variety of services to meet your financial needs. Enjoy the convenience of our drive-thru banking for quick deposits and withdrawals or take advantage of our ATM facilities that are readily available for your cash withdrawal needs. From personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards, we've got everything covered under one roof.

Member Eligibility

Becoming a member of Americu is like joining a close-knit family that truly cares about your financial well-being. To qualify for membership, you just need to meet a few simple criteria. Generally, anyone who lives, works, worships, or attends school in the areas we serve is eligible. This means if you're part of our community here in Cicero or the surrounding regions, you likely qualify! Plus, there are unique benefits that come with being a member, such as access to lower loan rates and personalized financial advice tailored just for you. Opening an account is straightforward and welcoming just visit us at 6414 State Route 31 Cicero Ny 13039, or give us a call at (315) 699-4545 to learn more about how to get started. If you'd like detailed information on eligibility requirements, check out our website at https://www.americu.org/annual-membership-meeting/. We can't wait for you to join us at Americu and start enjoying all the great services we have to offer!

Business Banking & Commercial Services

Merchant Services for Every Need

In addition to loans, our merchant services make everyday transactions smoother for your business. Imagine effortlessly accepting payments from customers, whether they pay with cards or digital wallets. Our tools ensure you can focus on what matters most growing your business. Visit us at 6414 State Route 31 Cicero Ny 13039 in Cicero, NY, or call us at (315) 699-4545 to learn how our tailored solutions can empower your business!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $484 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $19 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $229,853,269, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Services

We also provide essential drive-thru banking for quick deposits, withdrawals, and simple transactions without leaving your car. If you prefer using ATMs, our basic ATM access allows for easy withdrawals and balance checks so you can keep track of your finances on the go. At Americu, we're more than just a credit union; we're a community partner committed to helping you achieve financial success. For any questions about our services or if you're ready to start your journey with us, please reach out at (315) 699-4545 or visit us online at Cicero. We look forward to serving you!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why Americu offers robust online and mobile banking services. You can easily manage your accounts from anywhere at any time check balances, transfer funds, and pay bills right from your smartphone or computer. Plus, our ATM and cash withdrawal services are readily available to ensure you can access your money whenever you need it.

Loans and Credit Options

In addition to auto financing, we provide personal loans and debt consolidation solutions that can help simplify your financial situation. Our credit cards come with rewards that add value back into your spending habits, making every purchase more rewarding. Whether you're starting a new project or need financial support for your business, our business banking services, including merchant services and business loans, ensure you have access to the capital you need.

Personal Banking Services

When it comes to personal banking, we understand that everyone's needs are different. That's why we offer a variety of checking and savings accounts tailored for all life stages. For those planning to make a big purchase or needing some extra cash flow, our auto loans and vehicle financing options can help you get behind the wheel without breaking the bank. If you're considering buying a home or refinancing your existing mortgage, our mortgage loans are designed to make the process straightforward and stress-free.

Digital & Online Banking

Key Features

We also provide electronic signature authorization, making it easy for you to sign documents securely from the comfort of your own home. No more printing or faxing; everything can be handled electronically for a smoother experience. For those who prefer digital statements, we offer e-statements that are not only eco-friendly but also help you stay organized. Accessing your financial information is quick and straightforward, allowing you to track your spending and savings effectively. If you're always on the move, you'll love our mobile application. It gives you access to all your banking needs right from your smartphone. And while mobile payments aren't available yet, our platform supports person-to-person transfers, so sending money to friends or family is simple and fast. In short, at Americu, we're committed to providing accessible and secure banking solutions that fit into your busy lifestyle. With our digital services, managing your money is efficient and stress-free!

Financial Strength

A Growing Community

Total Share Accounts stand at 334,070, showing a strong and growing member base that trusts us with their finances. The Net Shares available for lending and investments amount to $7,405,801, further demonstrating our commitment to serving you effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Americu is your trusted partner. Visit us at 6414 State Route 31 Cicero Ny 13039 or call (315) 699-4545 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Opportunities

Members' savings are secured through $846,671,206 in share certificates and $240,839,761 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $126,856,348, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 414 full-time employees and 20 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinventing for Better Service

With $262,375,424 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $13,012 in used auto loans and $2,308,266,045 in total loans and leases.

Solid Financial Health

With a net worth of $262,375,424, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $974 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $194,426,491 in used vehicle loans and $94,836,143 in new vehicle loans already helping members get on the road. We provide flexible terms and options that make it easier for you to finance your next vehicle.

Business Financing

For business owners, our outstanding commercial loans totaling $229,853,269 provide the capital needed to grow and expand. We understand the unique challenges of running a business and are here to support your journey toward success. If you're interested in refinancing or checking eligibility options for any of these products, feel free to reach out! You can contact us at (315) 699-4545 or visit us at our branch located at 6414 State Route 31 Cicero Ny 13039 in Cicero, NY. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial goals!

Credit Cards and Personal Loans

Managing finances effectively is crucial in today's world. That's why we also offer flexible terms on unsecured credit card loans, with a total of $100,443,509 in loans helping members manage their finances effectively. Whether you need funds for emergencies or want to consolidate debt, our personal loan options can assist you in reaching your financial objectives.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $189,127,842, make buying or refinancing simple. We aim to guide you through the entire process, ensuring you find a solution that fits your budget and needs.

Loan Aggregator

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Real-Time Rate Comparisons

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Verified Data

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Americu