Americu Syracuse NY Credit Union | Low Mortgage Rates & Business Banking

Introduction

Welcome to Americu, your trusted financial partner in the heart of Syracuse, NY! Located at 4865 W Seneca Tpke, we have been serving our community since 1978, and our commitment to member satisfaction has only grown over the years. With a thriving membership of 167,171 individuals and total assets exceeding $2.69 billion, we pride ourselves on offering a variety of banking solutions tailored to meet your needs. At Americu, we understand that every member's financial journey is unique. Whether you are looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we have you covered. Our dedication to providing exceptional service is reflected in our total deposits of $60,545,589 and cash on hand amounting to $9,060,996. While members can visit us at our branch location for all your banking needs, official correspondence should be sent to our mailing address: 4865 W Seneca Tpke, Syracuse, NY 13215-2288. Our friendly team, led by CEO Ronald Belle and Board President Nicholas Fabrizio, is here to guide you through every step of your financial journey. With a diverse range of services including business banking options and online/mobile banking access, Americu is committed to empowering our members with the tools they need for financial success. We invite you to explore what we have to offer by visiting our website at americu.org or calling us at 315-378-4870. Experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

A Story of Growth and Community

Our branch at 4865 W Seneca Tpke has become more than just a financial institution; it is a vital part of the Onondaga community. As we evolved, we embraced innovation while remaining dedicated to providing personalized service. Our commitment is evident in our extensive range of offerings from personal banking solutions like checking and savings accounts to auto loans and mortgages. Members can also take advantage of our online and mobile banking services, ensuring they have access to their finances anytime, anywhere. While members can visit us at 4865 W Seneca Tpke, official correspondence should be sent to the same address for your convenience. We understand that accessibility is crucial; that's why we proudly offer ATM availability and drive-thru banking services for quick transactions. Additionally, we participate in shared service centers, allowing members from partner credit unions to conduct essential banking tasks here.

Our Mission: Empowering Lives Through Financial Services

At Americu, our mission is clear: we strive to empower individuals and families by providing them with quality financial services while supporting the growth of our community. We believe that everyone deserves access to financial resources that can help them achieve their goals. This belief drives us to foster partnerships with local organizations and engage in outreach efforts that make a real difference in people's lives. As part of our ongoing dedication to excellence, we ensure compliance with ADA standards so that all members can easily access our facilities and services. Our staff is trained to assist every individual with care and respect. We invite you to experience the Americu difference firsthand. Whether you're looking for a new checking account or seeking guidance on home financing options, we're here for you every step of the way. Join us today and become part of a community-focused credit union that prioritizes your financial well-being! For more information or to get started, please call us at 315-378-4870 or visit us online at Americu.

Branch Location & Accessibility

Connect With Us

We invite you to come visit us at the Americu branch on W Seneca Tpke! If you have questions or want more information about our services, feel free to give us a call at 315-378-4870. We look forward to welcoming you in person and helping you with all your financial needs!

Nearby Landmarks

Our branch is just a stone's throw away from popular local landmarks, providing easy navigation for our members. If you're coming from downtown Syracuse or stopping by after a visit to a local restaurant, you'll find us conveniently located with ample parking available right outside. We've made sure our facilities comply with ADA standards so that everyone can access our services comfortably.

Services and Accessibility Features

At Americu, we prioritize your convenience. Our operating hours are designed with your schedule in mind: we're open Monday through Friday from 9 AM to 5 PM (with a slightly earlier closing time of 4 PM on Tuesdays). Need cash? Our ATM is available for quick withdrawals and balance checks. Plus, if you're in a hurry, take advantage of our drive-thru service for deposits and withdrawals without leaving your vehicle. For those who may need assistance or have specific accessibility requirements, our friendly staff is always ready to help you navigate our services smoothly. We also participate in shared service transactions for partner credit union members making banking even more accessible!

Member Eligibility

Becoming a member of Americu is like opening the door to a warm and welcoming community where your financial needs are truly understood. To join us at our branch located at 4865 W Seneca Tpke Syracuse Ny 13215, you'll need to meet some simple eligibility criteria. Generally, membership is open to those who live, work, worship, or attend school in our local area. It's all about bringing people together who share common ties! For more detailed information on eligibility requirements, feel free to check out this resource: https://www.americu.org/annual-membership-meeting/. Getting started is easy! Once you know you qualify, you can open an account right from the comfort of your home or visit us in person. We're here to support you every step of the way. If you have any questions or need assistance, don't hesitate to reach out at (315) 378-4870. At Americu, we're excited to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Make Sense

Beyond loans, our merchant services simplify payment processing for your business. Imagine serving customers quickly and efficiently while keeping track of sales effortlessly. Our solutions help you focus on what you do best running your business while we handle the financial transactions smoothly. Located at 4865 W Seneca Tpke Syracuse Ny 13215, Syracuse, NY 13215, we're here to help you navigate your business's financial needs. Reach out to us at (315) 378-4870 or visit us today to discover how we can assist you in achieving your goals!

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

ATM and Drive-Thru Services

Convenience is key at Americu. We offer ATM services for quick cash withdrawals and balance checks without stepping inside the branch. If you prefer face-to-face interactions but are short on time, our basic drive-thru banking allows for deposits and simple transactions without leaving your car.

Business Banking Services

For entrepreneurs and small businesses, we offer business banking solutions tailored to help you thrive. Our merchant services make transactions easy while our business loans provide the capital needed to grow your enterprise.

Credit Card Benefits

Don't forget about our credit cards with rewards! They come with perks that allow you to earn points on everyday purchases perfect for those who want to get more out of their spending.

Digital Banking Convenience

In today's fast-paced world, access to your accounts anytime is crucial. That's why we provide robust online and mobile banking services. You can check balances, transfer funds, and pay bills right from your device anytime, anywhere. Plus, with features like person-to-person payments and electronic statements, managing your money has never been simpler.

Personal Banking Solutions

Our personal banking services are designed with you in mind. With checking and savings accounts that fit different lifestyles, you can easily manage your daily expenses while saving for the future. For those moments when a new vehicle is on your wish list, our auto loans and vehicle financing options offer competitive rates and flexible terms, making it simple to drive away in the car you desire. If homeownership is your goal, look no further than our mortgage loans and refinancing options. We provide personalized guidance to help you navigate the home-buying process smoothly. Additionally, if you're juggling various debts, our personal loans and debt consolidation services can simplify your finances by combining payments into one manageable loan.

Shared Branch Transactions

We also participate in shared branch transactions, which means members of partner credit unions can make deposits and withdrawals at our location a great option for those who travel or need flexibility in accessing their accounts. With all these services available under one roof at Americu, we strive to meet all your financial needs efficiently and effectively. Our knowledgeable staff is ready to assist you during lobby hours: Monday through Friday from 9:00 AM to 5:00 PM. If you're ready to explore how we can support your financial journey or if you have any questions about our offerings, don't hesitate to reach out at (315) 378-4870 or visit us online at Onondaga Hill. Join us today and experience the difference!

Digital & Online Banking

At Americu, we understand that convenience and security are essential in today's busy world. That's why we offer a comprehensive suite of digital and online banking services designed to make managing your finances easier than ever. With 24/7 access to your accounts through our online banking platform, you can check balances, pay bills, and transfer funds whenever it suits you. Explore our online banking services at https://www.americu.org/. Here, you'll find features that allow you to manage your money from the comfort of your home or on the go. Our user-friendly mobile application provides a seamless experience, enabling you to perform transactions right from your smartphone. Whether you want to deposit checks or make person-to-person transfers, it's all just a few taps away. Security is a top priority for us. We use electronic signature authorization for your peace of mind, ensuring that your transactions are safe and secure. Plus, with e-statements available, you can keep track of your finances without worrying about paper clutter or identity theft. While we currently do not offer mobile payments, our commitment to enhancing your banking experience continues. You can still enjoy the benefits of managing your accounts directly from our mobile app. With Americu, real-time account management is straightforward and efficient. Join us today to take advantage of these convenient features that put you in control of your finances any time you need it!

Financial Strength

Building Trust Through Community

Total Share Accounts stand at 334,070, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $7,405,801. 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 4865 W Seneca Tpke Syracuse Ny 13215 or call (315) 378-4870 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

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 commitment extends across various sectors; we have $13,012 in used auto loans and $2,308,266,045 in total loans and leases available to support your financial goals.

Operational Efficiency

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.

Our 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.

Secure Savings Options

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.

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 competitive rates and flexible terms, making it easier for you to drive away with the vehicle you want.

Business Financing

For business owners, our outstanding commercial loans totaling $229,853,269 provide the capital needed to grow and expand your operations. We understand the demands of running a business and are committed to providing personalized financing solutions that suit your needs.

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 offer various mortgage plans tailored to fit your budget and financial situation. Whether you're a first-time homebuyer or looking to refinance an existing loan, our team is here to guide you through every step.

Refinancing Options

If you're looking to reduce your monthly payments or secure a better interest rate, ask us about our refinancing options available for auto loans and mortgages. We can help you explore eligibility options that may save you money over time. At Americu, we strive to provide straightforward loan products and exceptional service. Our dedicated team is ready to assist you in finding the right solution for your financial journey. For more information or to apply for a loan, feel free to contact us at (315) 378-4870, or visit us at our branch located at 4865 W Seneca Tpke Syracuse Ny 13215 in Syracuse, 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.

Unsecured Credit Cards

Managing daily expenses can be challenging, which is 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. Our credit cards come with great rewards and low-interest rates, making it easier for you to handle both planned and unexpected purchases.

Loan Aggregator

Benefits of Using LendMesh

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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 rigorous sourcing ensures that users receive fair and transparent offers.

Americu