Americu Utica NY Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Americu in North Utica, where our commitment to you and our community is at the heart of everything we do. Established in 1978, we have grown into a trusted financial partner for over 167,000 members. Located at 224 N Genesee St Ste 3, Utica, NY 13502, our branch offers a range of services designed to meet your personal and business banking needs. At Americu, we pride ourselves on our substantial assets of over $2.69 billion and total deposits amounting to $60,545,589. Our robust portfolio includes nearly 100,000 loans and leases that empower our members to achieve their financial goals. With a strong net worth of $262,375,424, we ensure that your finances are in safe hands. While members can visit us at our branch for assistance or inquiries, official correspondence should be sent to 224 North Genesee Street, Utica, NY 13502. We understand the importance of accessibility and convenience; that's why we offer ATM services and basic drive-thru banking for quick transactions. Our dedicated team of 434 employees, led by CEO Ronald Belle and Board President Nicholas Fabrizio, is here to provide personalized service with a friendly smile. Whether you're looking for checking accounts, auto loans, or mortgage refinancing options, we're ready to help you navigate your financial journey. If you're interested in learning more about what we can offer or if you have any questions, don't hesitate to reach out! Call us at 315-292-6321 or visit our website at Americu. Let us be your partner in financial success!

Branch History & Mission

Commitment to Community

Our mission extends beyond banking; we strive to enrich the lives of those around us. Through partnerships with local organizations and community outreach initiatives, we actively contribute to making Utica a better place for everyone. We believe in building relationships based on trust and respect, which is why we prioritize transparency and integrity in all that we do. While members can visit us at 224 N Genesee St Ste 3 Utica Ny 13502, official correspondence should be sent to 224 North Genesee Street, Utica, NY 13502. We understand the importance of being there when you need us most; that's why we offer convenient drive-thru banking and ATM services available for your ease.

Embracing Innovation

In today's fast-paced world, we recognize the need for digital advancements without losing sight of personal connections. That's why we offer online banking and mobile applications designed to enhance your banking experience while maintaining accessibility for all members, including those who require ADA compliance. At Americu, we're not just about transactions; we're about building lasting relationships within our community. We invite you to join us on this journey towards financial wellness and community empowerment.

Join Us Today!

Whether you're looking to open your first account or seeking guidance on loans or investments, our friendly staff is here to help you every step of the way. Call us at (315) 292-6321 or visit our website at North Utica to learn more about how you can become part of the Americu family. Experience the difference that a dedicated credit union can make in your life!

Branch Location & Accessibility

Banking Hours and Services

At Americu, we understand that convenience matters. Our lobby hours are Monday through Friday from 9:00 AM to 5:00 PM, with extended hours on Fridays until 6:00 PM. Whether you're looking to open a checking account, apply for an auto loan, or simply need assistance with online banking, our friendly staff is here to help. We also provide essential services like ATM access for quick withdrawals and balance checks, along with basic drive-thru banking for deposits and simple transactions. With all these options available at your fingertips, managing your finances has never been easier!

Connect With Us

Ready to experience the Americu difference? We invite you to visit us at our North Utica branch or give us a call at 315-292-6321 if you have any questions. Join us today and let's work together towards your financial goals!

Nearby Landmarks and Accessibility

Our branch is just a stone's throw away from popular spots like the Utica Public Library and the historic Stanley Theatre. This central location means you can stop by for your banking needs as part of your daily routine. We offer ample parking options nearby, ensuring that your visit is hassle-free. Plus, we are proud to be ADA compliant, featuring ramps and accessible entrances to accommodate everyone comfortably.

Member Eligibility

Joining the Americu community means stepping into a world of support and financial empowerment. To become a member, you'll want to know if you meet our eligibility criteria, which are welcoming and designed for folks just like you. Generally, anyone who lives, works, worships, or attends school in the area can apply. This includes residents of Oneida County and surrounding areas. For more detailed information on specific eligibility requirements, feel free to visit our website at this link. Once you determine that you're eligible, opening an account with us is simple! You can get started right away by checking out the account opening details at this link. If you have any questions or need assistance during this process, don't hesitate to reach out to us at 315-292-6321. We're here to help you every step of the way as you join Americu and enjoy all the benefits that come with membership!

Business Banking & Commercial Services

Loan Options that Empower Growth

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 for Everyday Needs

In addition to lending, we offer comprehensive merchant services designed to make transactions smoother for you and your customers. Imagine the ease of processing payments efficiently while focusing on what you do best running your business. Whether it's setting up a point-of-sale system or managing online transactions, our solutions are crafted to fit your needs. Located at 224 N Genesee St Ste 3 Utica Ny 13502 in Utica, NY, our team is ready to partner with you in creating a prosperous future. For any inquiries, don't hesitate to call us at (315) 292-6321. Let's work together to turn your business goals into reality!

Comprehensive List Of Services

Business Banking

We haven't forgotten about local businesses! Our Business Banking services include Merchant Services and Business Loans tailored for entrepreneurs like you. We understand that running a business comes with its own set of challenges, and we're here to provide the tools you need to succeed.

Drive-Thru and ATM Services

Sometimes, quick transactions are essential. With Basic Drive-Thru Banking options for deposits, withdrawals, and simple transactions, as well as Basic ATM Access for withdrawals and balance checks, we've made banking easier than ever. At Americu, we pride ourselves on being there when you need us most. Our team is ready to assist you with any questions or concerns regarding our services. Don't hesitate to reach out at (315) 292-6321 for more information. Are you ready to take control of your financial future? Visit us at 224 N Genesee St Ste 3 Utica Ny 13502 or check out our website at North Utica today!

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features. Whether you're checking balances, transferring funds, or paying bills, you can do it all from your smartphone or computer. You'll also find ATM & Cash Withdrawal Services readily accessible when you need cash on the go.

Personal Banking

Our personal banking services are designed with you in mind. If you're looking to save for the future, we provide various Checking & Savings Accounts that make it easy to manage your money. Imagine having a reliable place to store your funds while also earning interest it's all possible here. For those considering a new vehicle, our Auto Loans & Vehicle Financing options can help you get behind the wheel without breaking the bank. Need a place to call home? Our Mortgage Loans & Refinancing services make owning a house more attainable than ever. If life throws unexpected expenses your way, our Personal Loans & Debt Consolidation options are available to help you regain control over your finances. Plus, enjoy the convenience of Credit Cards with Rewards because spending should come with perks!

Digital & Online Banking

Effortless Person-to-Person Transfers

Sending money to friends or family has never been easier! Our person-to-person transfer service lets you send funds instantly without any stress. Just a few taps on your mobile device, and you're done! At Americu, we prioritize security while ensuring that managing your finances is straightforward and efficient. Join us today and experience the benefits of modern banking tailored just for you!

Go Paperless with E-Statements

Say goodbye to paper clutter! With e-statements available at Americu, you can receive your account statements electronically. It's not only eco-friendly but also keeps your information secure and easily accessible.

Mobile Application for On-the-Go Banking

For those who prefer banking on their smartphones, our mobile application is here to help. Available for download, it offers all the essential features right at your fingertips. Check balances, make transfers, and even manage person-to-person payments with ease.

Online Banking Made Easy

With our 24/7 online banking, you can access your accounts whenever you need to. Want to check your balance, transfer funds, or pay bills? Just visit us at https://www.americu.org/ and take advantage of our user-friendly interface. It's like having a branch right in your pocket!

Secure Transactions with Electronic Signatures

Need to sign documents quickly? Our electronic signature authorization feature allows you to complete transactions securely from anywhere. It saves time and eliminates the hassle of printing and mailing forms.

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 understand that trust is built through transparency and performance, which is why we are proud to share our financial strength with you. 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. With $13,012 in used auto loans and $2,308,266,045 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $0 reflects our operational efficiency, 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 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 224 N Genesee St Ste 3 Utica Ny 13502 or call (315) 292-6321 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 Services

Our commitment extends beyond just loans. We provide comprehensive services including personal banking accounts, online and mobile banking options, and various account management tools. You can visit us at our branch located at 224 N Genesee St Ste 3 Utica Ny 13502 in Utica, NY, or give us a call at (315) 292-6321 for more information on how we can assist you today. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and discover how Americu can help you meet your financial aspirations!

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 a reliable used vehicle or a brand-new model, we have options tailored to meet your needs.

Business Financing

If you're a business owner, our outstanding commercial loans totaling $229,853,269 provide the capital needed to grow and expand your business. We're here to support local entrepreneurs with tailored solutions that fit their unique challenges.

Credit Card Loans

For those looking for flexibility in their spending, we also offer unsecured credit card loans with a total of $100,443,509 helping members manage their finances effectively. These cards come with great rewards and can be an excellent tool for budgeting and controlling expenses.

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 competitive rates and flexible terms, making it easier for you to invest in your future.

Loan Aggregator

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Americu