Americu Rome NY Credit Union | Best Auto Loans & Mortgage Rates

Introduction

Welcome to Americu, your trusted partner in financial well-being located at 231 Hill Rd, Rome, NY 13441. Established in 1978, we have proudly served our community for over four decades, building a strong foundation of trust and reliability. With a robust membership base of 167,171 individuals and families, we are dedicated to offering personalized banking solutions tailored to your unique needs. At Americu, we understand that every financial journey is different. That's why we provide a range of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking options. Our total assets amount to an impressive $2,693,858,739, ensuring that we have the resources necessary to support our members effectively. Whether you're looking to secure an auto loan from our pool of 99,906 loans or want to explore our credit card options with rewards, we're here to help. Our commitment extends beyond banking; it's about being an integral part of the community. We pride ourselves on our transparency and dedication to member service. Our leadership team is here for you. Under the guidance of CEO Ronald Belle and Board President Nicholas Fabrizio, we work diligently to ensure you receive not just great products but also exceptional customer service. If you ever have questions or need assistance, don't hesitate to reach out at 315-356-3501. While members can visit us at our branch location for all your banking needs, official correspondence should be sent to the same address: 231 Hill Rd, Rome, NY 13441. Explore more about what Americu has to offer by visiting our website at americu.org. We invite you to join us on this journey toward financial success because together, we can achieve great things!

Branch History & Mission

Join Us Today

Whether you're looking for personal finance solutions or business banking options, Americu is here for you. Experience the difference of being part of a credit union that truly values its members and community. We invite you to join us today and discover how we can help you achieve your financial dreams! Visit our website at Americu or stop by our branch let's build a brighter financial future together!

Mission Statement

Our mission is simple yet powerful: to provide exceptional financial services while making a positive impact in our community. At Americu, we believe that everyone deserves access to quality banking options that empower them to achieve their dreams. This commitment drives us every day as we offer services ranging from checking and savings accounts to auto loans and mortgage financing. We also focus on community outreach by partnering with local organizations and participating in events that support those in need. Our dedication extends beyond transactions; it's about building relationships and fostering growth within Rome and surrounding areas.

Modern Convenience

In today's fast-paced world, we understand the importance of convenience. That's why we offer features like online banking, mobile payments through our app, and ATM access for easy cash withdrawals. With ADA compliance in mind, we ensure that all members can access our services without barriers. Our drive-thru banking is available for those who prefer quick service without leaving their vehicles. While members can visit us at 231 Hill Rd, official correspondence should be sent to the same address for your convenience. For any inquiries or assistance, feel free to reach out at 315-356-3501 during our operating hours: Monday through Friday from 8:30 AM to 4:00 PM.

Our Journey

From humble beginnings, Americu has evolved into a trusted credit union with total assets exceeding $2.6 billion. Over the years, we've reached numerous milestones that reflect our commitment to both our members and the community. We pride ourselves on being more than just a financial institution; we aim to be a partner in your journey towards financial well-being. Our headquarters in Rome continues to guide us as we innovate and adapt to better serve you.

Branch Location & Accessibility

Accessibility Features

At Americu, we prioritize making your visit as smooth as possible. Our branch is fully ADA compliant, featuring ramps and accessible entrances to ensure everyone can enjoy our services without hassle. Ample parking is available for both members and guests, allowing for easy access whether you're visiting us for a quick transaction or a more in-depth financial consultation.

Operating Hours

We understand that life can be busy, which is why we offer flexible hours for your convenience. You can visit us Monday through Friday from 8:30 AM to 4:00 PM. If you need assistance outside of these hours, feel free to give us a call at 315-356-3501; our friendly team will be happy to help!

Services Offered

At Americu, we provide a wide range of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Additionally, our drive-thru service allows for quick deposits and withdrawals without leaving your vehicle. Plus, we offer shared service center access for members of partner credit unions making banking even more convenient! While members can visit us at 231 Hill Rd, official correspondence should be sent to the same address for consistency. We invite you to stop by and experience the welcoming atmosphere at Americu. Let us help you achieve your financial goals today!

Member Eligibility

At Americu, we believe that becoming a member is like joining a caring family that supports your financial journey. If you're looking to join us at our welcoming branch located at 231 Hill Rd Rome Ny 13441, you'll be pleased to know that eligibility is straightforward and open to many. We welcome individuals who live, work, worship, or attend school in the areas we serve. It's all about being part of a community where everyone can benefit from our range of services tailored just for you. Becoming a member comes with fantastic advantages like personalized service and access to various financial products designed to meet your needs. If you're ready to take the next step, opening an account is simple! You can find all the details on how to get started by visiting our Account Opening page. For any questions or additional information, feel free to give us a call at (315) 356-3501. To learn more about the specific eligibility requirements, check out our detailed resource at this link. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Lending Solutions That Work for You

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 addition to loans, we provide merchant services that simplify payment processing for businesses of all sizes. Imagine having the ability to accept payments seamlessly from customers whether they prefer credit cards, debit cards, or mobile payments. Our solutions are designed to help you focus on what matters most: growing your business. Located conveniently at 231 Hill Rd Rome Ny 13441, Rome, NY, our team is ready to partner with you on your journey. For more information, feel free to contact us at (315) 356-3501. Let's build your business together!

Comprehensive List Of Services

Business Banking Solutions

For business owners, we understand the importance of having reliable banking solutions at your fingertips. Our business banking services include merchant services and business loans designed to help you grow and manage your enterprise efficiently.

Call to Action

We invite you to explore all that Americu has to offer! Visit us online at https://www.americu.org/ or stop by our branch today let's work together towards achieving your financial goals!

Convenient Access and Support

At Americu, we also prioritize convenience for our members. Our branch offers ATM services for easy cash withdrawals and basic drive-thru banking for quick deposits and transactions. Additionally, if you're a member of a partner credit union, you can enjoy shared branch transactions right here at Griffiss. No matter what financial service you need, our friendly staff is always ready to assist you! Feel free to reach out at (315) 356-3501 for any inquiries or stop by during our lobby hours from Monday to Friday between 8:30 AM and 4:00 PM.

Home Financing

For those dreaming of homeownership or looking to refinance, we offer mortgage loans tailored to fit your lifestyle. Our team is here to guide you through the process, ensuring you understand all your options every step of the way. A mortgage from Americu can help turn your dream into reality with competitive rates and personalized service.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services are designed with you in mind. Imagine easily managing your finances from your smartphone using our online and mobile banking features. You can check your balance, transfer funds, and pay bills anytime, anywhere. If you're in the market for a new vehicle, consider our auto loans and vehicle financing options that make purchasing or leasing a breeze.

Personal Loans and Credit Cards

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation options come into play. We're here to help you consolidate debt or manage emergencies without the stress that often comes with borrowing. Plus, our credit cards come with rewards, making every purchase a little more rewarding.

Digital & Online Banking

Key Features

One of the standout features of our online banking is the ability to easily sign documents using electronic signature authorization. This means you can complete transactions without needing to visit a branch, saving you time and effort. Plus, with e-statements available, you'll receive your account statements electronically, making it easier to keep track of your finances while reducing paper clutter. For those on the go, our mobile application provides a user-friendly experience right at your fingertips. You can make person-to-person transfers effortlessly, allowing you to send money to friends or family whenever they need it. Although we don't currently offer mobile payments, our app ensures that managing your accounts is simple and straightforward.

Security and Accessibility

Your security is our priority. Our online banking platform incorporates advanced security measures to protect your personal information and financial data. Enjoy peace of mind knowing that your transactions are safe with us. With everything from checking balances to transferring funds available at any hour of the day or night, you have full control over your finances. At Americu, we strive to provide an accessible banking experience that fits into your busy life while ensuring that managing your money is both easy and secure. Whether you're at home or out and about, 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 proud to showcase our financial strength, which reflects our commitment to serving you with reliability and trust. 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 lending capacity is significant, with $13,012 in used auto loans and $2,308,266,045 in total loans and leases supporting your financial goals across various sectors. Our operational efficiency is reflected in our $0, enabling 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 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 231 Hill Rd Rome Ny 13441 or call (315) 356-3501 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. Whether you're considering a brand-new model or a reliable used vehicle, our financing options are straightforward and competitive.

Business Loans

For business owners, our outstanding commercial loans totaling $229,853,269 provide the capital needed to grow and expand. We understand the challenges that businesses face and aim to support them with financial products that foster growth.

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. Our credit cards come with various benefits that can fit your lifestyle and spending habits.

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 tailored solutions to fit your unique situation, making it easier for you to invest in your future.

Refinancing Options

If you're considering refinancing any of your existing loans, our team is here to guide you through the process. We offer competitive rates and personalized service to ensure that you find the best options available. At Americu, we're dedicated to providing quality service and comprehensive loan solutions tailored to meet your needs. For more information about our loan products or to speak with one of our representatives, feel free to reach out at (315) 356-3501 or visit us at 231 Hill Rd Rome Ny 13441, Rome, 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.

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Americu