Americu Herkimer NY Credit Union | Top Auto Loans & Business Banking

Introduction

Welcome to Americu, your trusted financial partner located at 326 E State St, Herkimer, NY 13350. Since opening our doors in 1978, we've dedicated ourselves to serving our community and supporting our members' financial journeys. With a robust membership of 167,171 individuals and assets totaling an impressive $2,693,858,739, we pride ourselves on being a cornerstone in the Herkimer area. At Americu, we understand that each member has unique needs. That's why we offer a wide range of services from personal banking like checking and savings accounts to various loan options including auto loans and mortgages. Our commitment to you is reflected not only in our comprehensive offerings but also in our strong financial health; we maintain total deposits of $60,545,589 and a net worth of $262,375,424. Our leadership team, led by CEO Ronald Belle and Board President Nicholas Fabrizio, is devoted to ensuring your experience with us is exceptional. With a team of 434 dedicated employees ready to assist you, we strive to foster trust and reliability in every interaction. While you can visit us directly at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 326 E State St, Herkimer, NY 13350. Experience the difference with Americu where your financial goals meet personalized service. Call us today at 315-866-0618 or explore more on our website at americu.org to learn how we can help you thrive financially!

Branch History & Mission

Community Engagement

Americu's roots are deeply embedded in Herkimer County. We actively engage in various community outreach initiatives designed to uplift local residents and foster a sense of belonging. Our partnerships with local organizations help us give back and create positive change where it matters most. While members can visit us at 326 E State St, official correspondence should be sent to the same address. You can reach us at (315) 866-0618 during our lobby hours: Monday through Thursday from 9:00 AM to 5:00 PM and Friday from 9:00 AM to 6:00 PM. We invite you to join us at Americu Credit Union today! Experience firsthand how we can support your financial goals while being an active part of your community. Together, let's build a brighter future!

Our Mission

Our mission is simple yet impactful: to improve the financial well-being of our members while fostering a spirit of community support. We understand that every member's journey is unique, which is why we focus on personalized service and innovative solutions tailored to individual needs. Whether you are looking for assistance with budgeting or need help securing a loan, our team is here to guide you every step of the way. We believe in making banking accessible for everyone. That's why we offer a range of digital services including online banking and mobile applications. We are also committed to ADA compliance, ensuring that all members can access our services without barriers.

Branch Location & Accessibility

Welcome to the Americu branch located at 326 E State St in beautiful Herkimer, NY! We are proud to serve our community with a friendly atmosphere and convenient banking solutions. Situated near local landmarks, our branch is easy to find and accessible for everyone. At Americu, we understand that convenience matters. Our branch features ample parking and is designed with accessibility in mind, ensuring that all members can visit us comfortably. We are committed to providing a welcoming environment for everyone in the community. While you're here, you can take advantage of our ATM services available on-site, making cash withdrawals and balance checks quick and easy. Although we don't offer drive-thru banking at this location, our friendly staff is always ready to assist you inside. Our lobby hours are designed to fit your schedule: we're open Monday through Thursday from 9:00 AM to 5:00 PM and Friday until 6:00 PM. Whether you need help with personal banking services like checking and savings accounts or looking into auto loans, mortgage loans, or credit cards with rewards, we're here for you! For any official correspondence, please note that while members can visit us at 326 E State St, all mailing should be directed to the same address. If you have questions or need assistance, feel free to give us a call at 315-866-0618. We invite you to stop by our Americu branch in Herkimer today! Your financial well-being is our priority, and we look forward to serving you soon.

Member Eligibility

At Americu, we believe in creating a welcoming community where everyone can thrive. Becoming a member is easy and open to individuals who live, work, worship, or attend school in our local area. We also extend membership to family members of current members, making it even more inclusive. Joining us means you gain access to a range of financial services tailored to your needs, from checking accounts and auto loans to credit cards with rewards that truly benefit you. If you're ready to take the next step, we invite you to visit us at 326 E State St Herkimer Ny 13350 or call us at (315) 866-0618 for any questions you might have. You can find more detailed eligibility criteria by checking out our website at https://www.americu.org/annual-membership-meeting/. Opening an account is simple just head over to https://loans.americu.org/products/portal to get started on your journey with us!

Business Banking & Commercial Services

At Americu, we understand that running a business is no small feat. Whether you're a new startup or an established enterprise, having the right financial partner can make all the difference. 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. In addition to loans, we offer merchant services tailored to your needs. Imagine running your business without worrying about payment processing. Our services allow you to accept payments easily and securely, making transactions smooth for both you and your customers. Visit us at 326 E State St Herkimer Ny 13350 in Herkimer, NY, or call us at (315) 866-0618 to discover how we can help your business thrive today!

Comprehensive List Of Services

Business Banking

For business owners, we provide robust solutions through our business banking services, including merchant services and business loans. We understand that managing a business comes with its own set of challenges, and we're here to help streamline your financial operations.

Credit Solutions

In addition to traditional banking, we also offer personal loans and debt consolidation options. Life can throw unexpected expenses your way, and having access to quick cash can make all the difference. Our personal loans come with straightforward terms, so you know exactly what you're getting into. If you're looking for a reliable credit option, consider our credit cards with rewards. These cards allow you to earn points for every dollar spent, making it easier to treat yourself or save for future purchases.

Digital Banking Convenience

We know how important it is for you to manage your finances conveniently. That's why we offer online and mobile banking services that allow you to check balances, transfer money, and pay bills anytime, anywhere. Our ATM services also ensure that you have access to your cash whenever needed whether it's withdrawing money or checking your balance. At Americu, we strive to make banking as accessible as possible. Our branch hours are designed with your schedule in mind; visit us from Monday through Friday during convenient lobby hours. If you're ready to explore how we can assist you further or if you have any questions about our offerings, don't hesitate to reach out! Call us at (315) 866-0618 or visit our website at Herkimer today. Your financial journey starts here!

Personal Banking

Our personal banking services are designed with you in mind. We offer checking and savings accounts that fit various lifestyles. Imagine having easy access to your funds while earning interest on your savings. If you're considering purchasing a new car, our auto loans and vehicle financing options can help you drive away in no time. With competitive rates and flexible terms, we aim to make your auto financing experience as smooth as possible. For those planning to buy a home, our mortgage loans and refinancing services provide the support you need to navigate this significant investment. We understand that every situation is unique, which is why our knowledgeable staff is here to guide you through the mortgage process.

Digital & Online Banking

Key Features

With 24/7 online banking services, you can check your account balance, pay bills, and transfer funds whenever it suits you. No need to rush to the bank during business hours; all of this can be done from the comfort of your home or on the go. Our mobile application allows for real-time account management, giving you instant access to your financial information anytime, anywhere. For those times when you need to send money quickly to a friend or family member, our person-to-person transfer feature is here to help. It's simple and fast just a few taps on your device! Plus, with electronic signature authorization available, signing documents is a breeze. You won't have to print anything out or visit us in person.

Security and Accessibility

Security is our top priority. We use advanced encryption technologies to protect your personal information and transactions. Rest assured that when you log into our online banking platform, your data is safe. We also offer e-statements so you can view your financial history without the clutter of paper statements. This not only helps in keeping things organized but also contributes to an environmentally friendly approach. Although we currently do not support mobile payments, our commitment to enhancing your digital experience means we're always exploring new features that could benefit our members in the future. At Americu, we strive to make banking as easy and efficient as possible. Whether you're checking your balance or transferring money, our digital banking services are designed with you in mind. Join us today and take advantage of these great features!

Financial Strength

At Americu, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial health with you, ensuring that your trust is well-placed. 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. 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. 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 capacity to support your financial goals is clear there are $13,012 in used auto loans and $2,308,266,045 in total loans and leases available to help you achieve what you need. Our operational efficiency is reflected in our $0, which allows 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. Net Shares (Funds available for lending and investments): $7,405,801. Total Share and Deposit Accounts: 334,070, showing a strong and growing member base that trusts us with their finances. 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 326 E State St Herkimer Ny 13350 or call (315) 866-0618 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Options

We also offer additional financial products such as personal loans and credit lines, which can help you consolidate debt or cover unexpected expenses. If you're considering refinancing options or want to learn about eligibility criteria for any of our loans, don't hesitate to reach out. Our branch is conveniently located at 326 E State St Herkimer Ny 13350 in Herkimer, NY, making it easy for you to visit us. For any inquiries or assistance, please call us at (315) 866-0618 during our operating hours: Monday-Tuesday from 9:00 AM to 4:00 PM, Wednesday-Thursday from 9:00 AM to 5:00 PM, and Friday from 9:00 AM to 6:00 PM. 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 dreams!

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. Whether you're interested in financing a brand-new vehicle or a reliable used car, we have options tailored just for you.

Business Loans

For business owners, our outstanding commercial loans totaling $229,853,269 provide the capital needed to grow and expand. We understand the unique challenges faced by small businesses and are dedicated to helping you navigate them with ease.

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 provide clear guidance through every step of the process, ensuring that you feel confident in your decision.

Unsecured Credit Cards

Managing everyday expenses can be easier with our flexible unsecured credit card loans, totaling $100,443,509. These cards come with competitive rates and rewards that allow you to get more from your spending while maintaining control over your finances.

Loan Aggregator

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This sourcing process ensures that users receive fair and transparent offers, reflecting the true landscape of available loans.

Americu