Americu Rome NY Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Americu, your trusted financial partner in the heart of Rome, NY! Located at 1916 Black River Blvd N, our branch has been serving the community since 1978. We are proud to have grown into a family of 167,171 members, all benefiting from our commitment to providing top-notch financial services. With total assets exceeding $2.69 billion and total deposits around $60.55 million, we are here to help you achieve your financial goals. At Americu, we understand that every member's journey is unique. That's why we offer a wide range of services from personal banking and auto loans to mortgage solutions and business financing. Our dedicated team is always ready to assist you with personalized service that reflects our deep-rooted commitment to the community. While you can visit us at our branch for all your banking needs, if you need to send any official correspondence, please use our mailing address: 1916 Black River Blvd, Rome, NY 13440. Under the leadership of CEO Ronald Belle and Board President Nicholas Fabrizio, we continue to prioritize member satisfaction and financial health. With a solid net worth of $262.38 million and cash in hand totaling $9.06 million, you can rest assured that your money is in safe hands. We invite you to explore all that Americu has to offer. Whether you're looking for guidance on loans where we've facilitated a remarkable 99,906 loans or seeking advice on saving strategies, our friendly staff is here for you. Don't hesitate to reach out by phone at 315-356-3000 or visit our website at americu.org for more information. Join us today and become part of a credit union that truly values its members!

Branch History & Mission

Community Commitment

At Americu, we understand that our role goes beyond banking; it's about building a better community together. We actively participate in local events and partnerships that support various initiatives within Rome and surrounding areas. Whether it's sponsoring youth sports teams or offering financial literacy workshops, we are dedicated to giving back and helping those around us thrive. With ATM availability and drive-thru banking services at your convenience, accessing your finances has never been easier. We prioritize making banking as smooth as possible for you while ensuring compliance with ADA standards so everyone can enjoy our facilities comfortably. We invite you to join the Americu family! Experience firsthand how we blend quality service with a genuine commitment to our community's success. Visit us today or explore more about membership benefits on our website at Americu. Let's build a brighter future together!

Our Evolution

From our humble beginnings, Americu has continuously evolved to meet the changing needs of our community. We opened our doors with a mission to provide accessible financial services and support to all members. As we progressed through the years, we've embraced advancements in technology while maintaining our focus on personal service. Today, we offer a variety of services including checking and savings accounts, auto loans, mortgages, and credit cards with rewards ensuring that every member can find what they need right here at their local credit union. You can find us conveniently located at 1916 Black River Blvd N, Rome, NY 13440. This prime location not only makes us easily accessible but also places us near several local landmarks that highlight the vibrant spirit of our community.

Our Mission

Our mission at Americu is simple yet powerful: to enhance the financial well-being of our members while fostering community growth. We believe that everyone deserves access to quality financial services tailored to their unique needs. That's why we strive to provide not just banking solutions but also educational resources and support for personal and business growth. While members can visit us at 1916 Black River Blvd N, official correspondence should be sent to 1916 Black River Blvd, Rome, NY 13440. Our branch operates Monday through Friday from 9:00 AM to 4:00 PM (with extended hours until 6:00 PM on Fridays), making it convenient for everyone to reach out and receive assistance.

Branch Location & Accessibility

Welcome to the Americu branch located at 1916 Black River Blvd N in beautiful Rome, NY! Our branch is ideally situated for your convenience, making it easy for you to access all your banking needs. Whether you're visiting us after a trip to the nearby shopping centers or while enjoying a day out in the vibrant community, we're here to serve you. At Americu, we pride ourselves on accessibility. Our branch features ADA-compliant facilities and ramps, ensuring that everyone can enjoy a hassle-free visit. Plus, with ample parking available, you can pull right up and come inside without any stress. If you're in need of quick transactions, our drive-thru service is perfect for you offering easy deposits and withdrawals without leaving your vehicle. While members can visit us at 1916 Black River Blvd N, official correspondence should be sent to our mailing address: 1916 Black River Blvd, Rome, NY 13440. We understand that your time is valuable. That's why our lobby hours are designed to fit your schedule: Monday through Friday from 9:00 AM to 4:00 PM and extended hours on Fridays until 6:00 PM. Need cash? We have an ATM conveniently located outside for quick access whenever you need it. At Americu, we offer a wide range of services tailored just for you from personal banking and auto loans to credit cards with rewards and business banking solutions. No matter what financial goal you have in mind, our friendly team is ready to assist you. Don't hesitate to reach out! Give us a call at 315-356-3000 if you have any questions or want more information about our services. We look forward to welcoming you soon at Americu!

Member Eligibility

At Americu, we believe that everyone deserves a place in our community. Becoming a member is simple and welcoming! If you live, work, or worship in the area, you're likely eligible to join us. We embrace individuals from various backgrounds, making it easy for you to access financial services tailored to your needs. For a full rundown of eligibility criteria, feel free to check out our detailed page at https://www.americu.org/annual-membership-meeting/. Joining Americu means becoming part of a supportive network where your financial goals matter. Our members enjoy personalized service and a range of benefits designed to make banking easier and more rewarding. Ready to start? Opening an account is straightforward just visit our account opening page at https://loans.americu.org/products/portal or give us a call at (315) 356-3000 if you have any questions. We can't wait to welcome you to our family!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing to take your business to the next level. 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.

Merchant Services

In today's fast-paced world, efficient payment processing can make all the difference. At Americu, we offer merchant services that simplify transactions for your customers while enhancing your cash flow. Imagine being able to accept payments seamlessly whether online or in-store making it easier for you to focus on what really matters: growing your business. Visit us at 1916 Black River Blvd N Rome Ny 13440 in Rome, NY or give us a call at (315) 356-3000 to learn how our business banking solutions can help you thrive!

Comprehensive List Of Services

Accessibility at Its Best

We understand that sometimes you want the personal touch that comes from visiting us in person. That's why we offer Basic Drive-Thru Banking for quick deposits, withdrawals, and simple transactions without having to leave your car. Our Basic ATM Access allows for straightforward withdrawals and balance checks at any time. At Americu, we are not just about transactions; we are about building relationships within our community. We invite you to visit us at 1916 Black River Blvd N Rome Ny 13440 in Rome, NY, or call us at (315) 356-3000 to learn more about how our services can benefit you today! Your financial well-being is our priority, and we're excited to help you achieve it.

Business Banking Services

For our business members, we offer comprehensive Business Banking solutions. From Merchant Services that streamline payment processing to Business Loans designed to fuel your growth, we're here to support local enterprises at every stage.

Financial Flexibility

Need a little extra cash? Our Personal Loans & Debt Consolidation services offer flexible terms to help you tackle unexpected expenses or consolidate debt into manageable payments. Plus, our Credit Cards with Rewards provide not just purchasing power but also great benefits for your everyday spending.

Modern Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features at Headquarters. With Online & Mobile Banking, accessing your accounts and managing transactions is just a click or tap away. Need cash? Our ATM & Cash Withdrawal Services are available for easy access to your funds whenever you need them.

Personal Banking Solutions

Whether you're looking to open a new checking or savings account, we have options tailored for you. Our personal banking services include Checking & Savings Accounts that help you manage your day-to-day finances with ease. If you're planning to buy a car, consider our Auto Loans & Vehicle Financing options, which make purchasing your dream vehicle more accessible. And for those significant life changes, our Mortgage Loans & Refinancing services can guide you through homeownership or securing better rates on your existing mortgage.

Digital & Online Banking

At Americu, we understand that banking should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. With our online banking platform, you can manage your accounts anytime, anywhere whether you're at home or on the go. One of the standout features is our 24/7 Online Banking Services available at https://www.americu.org/. This means you can check balances, pay bills, and transfer money without needing to visit a branch. Have you ever needed to sign a document urgently? With our Electronic Signature Authorization, you can handle paperwork quickly and securely from your device. For those who prefer going paperless, we provide E-Statements Availability, allowing you to receive your account statements electronically. This not only helps you stay organized but also contributes to environmental sustainability. If you're looking for convenience in making payments, our Mobile Application makes it easy to access all these features right from your smartphone. While we currently don't support mobile payments, you can still enjoy quick and safe Person-to-Person Transfers with just a few taps on your screen. In today's fast-paced world, managing your finances shouldn't slow you down. At Americu, we prioritize accessibility and ease-of-use so that you can keep track of your money in real time no more waiting in lines or rushing to the bank before closing hours. Experience the future of banking with us! Sign up today and take control of your finances like never before. Whether it's through our website or mobile app, we're here to support you every step of the way.

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 committed to providing a reliable banking experience that empowers you to achieve your financial goals. 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. We take pride in having 414 full-time employees and 20 part-time employees who are dedicated to serving you with a knowledgeable and committed team. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. Our lending capacity supports your financial goals with $13,012 in used auto loans and a total of $2,308,266,045 in loans and leases available for various needs. In total, we serve 334,070 share accounts a strong indicator of the trust our growing member base places in us. 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 1916 Black River Blvd N Rome Ny 13440 or call (315) 356-3000 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

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 tailored financing solutions for both new and used vehicles, ensuring that you can find the right fit for your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $229,853,269 provide the capital needed to grow and expand. We offer various financing options tailored to meet the unique demands of your business operations.

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 understand that purchasing a home is one of the biggest financial decisions you'll make, and we're here to guide you through every step of the process.

Refinancing and Eligibility Options

We recognize that circumstances change, and refinancing may be an option worth considering for many of our members. If you're interested in exploring refinancing opportunities or checking eligibility for any of our loan products, please don't hesitate to reach out. Whether you're ready to apply for a loan or just want more information, our friendly team at Americu is here to assist you. Feel free to visit us at 1916 Black River Blvd N Rome Ny 13440, call us at (315) 356-3000, or explore more online at https://www.americu.org/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

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. These credit cards come with no collateral required, making them an accessible option for building credit or covering unexpected expenses.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that you can trust. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, empowering them to make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback reflects the positive experiences many have had while using the platform. To start finding the best loan rates for your needs, compare real-time loan offers today at LendMesh. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Ensuring 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 ensures that all offers are fair and transparent, giving users access to credible loan options.

Americu