AmeriCU Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, AmeriCU Credit Union's highest tracked CD (share certificate) rate is 4.50% APY on a 3-month CD ($50 minimum). That is 3.9 times the FDIC national average for 3-month CDs (1.14%). Standard CD rates range from 3.50% to 4.50% APY.
Tracking began .
AmeriCU Credit Union CD & share certificate rates
Membership required. Share certificates from 3 to 60 months ($50 minimum for terms up to 12 months, $500 for longer terms) and an 18-month certificate special ($500). IRA certificates are excluded. Early withdrawal penalties apply.
| Term | Product | APY |
|---|---|---|
| 3 months | 3 Month Certificate | 4.50%Top 2% · $10k reference sampleVerified October 22, 2026 |
| 6 months | 6 Month Certificate | 4.50%Top 3% · $10k reference sampleVerified October 22, 2026 |
| 12 months | 12 Month Certificate | 4.50%Top 6% · $10k reference sampleVerified October 22, 2026 |
| 18 months | Share Certificate Special Promotional | 4.00%Top 34% · $10k reference sampleVerified October 22, 2026 |
| 24 months | 24 Month Certificate | 3.75%Top 40% · $10k reference sampleVerified October 22, 2026 |
| 36 months | 36 Month Certificate | 3.50%Top 44% · $10k reference sampleVerified October 22, 2026 |
| 48 months | 48 Month Certificate | 3.50%Top 42% · $10k reference sampleVerified October 22, 2026 |
| 60 months | 60 Month Certificate | 3.50%Top 44% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.00% APY (18 months). The standard rate for a similar term is 3.75% APY (24 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $25 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are AmeriCU Credit Union's best CD rates by term?
AmeriCU Credit Union's best rate is 4.50% APY on 3 months, verified October 22, 2026.
- 3 mo4.50%
- 6 mo4.50%
- 12 mo4.50%
- 18 mo4.00%
- 24 mo3.75%
- 36 mo3.50%
- 48 mo3.50%
- 60 mo3.50%
How much interest could a AmeriCU Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$110.35 interest · $10,110.35 at maturity on $10,000.00.
4.50% APY · 3 months · 3 Month Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $55.174.50% APY · 3 Month Certificate · Standard | $110.354.50% APY · 3 Month Certificate · Standard | $275.864.50% APY · 3 Month Certificate · Standard | $551.734.50% APY · 3 Month Certificate · Standard |
| 6 months | $111.574.50% APY · 6 Month Certificate · Standard | $223.144.50% APY · 6 Month Certificate · Standard | $557.854.50% APY · 6 Month Certificate · Standard | $1,115.704.50% APY · 6 Month Certificate · Standard |
| 12 months | $225.004.50% APY · 12 Month Certificate · Standard | $450.004.50% APY · 12 Month Certificate · Standard | $1,125.004.50% APY · 12 Month Certificate · Standard | $2,250.004.50% APY · 12 Month Certificate · Standard |
| 18 months | $303.274.00% APY · Share Certificate Special · Promotional | $606.534.00% APY · Share Certificate Special · Promotional | $1,516.334.00% APY · Share Certificate Special · Promotional | $3,032.654.00% APY · Share Certificate Special · Promotional |
| 24 months | $382.033.75% APY · 24 Month Certificate · Standard | $764.063.75% APY · 24 Month Certificate · Standard | $1,910.163.75% APY · 24 Month Certificate · Standard | $3,820.313.75% APY · 24 Month Certificate · Standard |
| 36 months | $543.593.50% APY · 36 Month Certificate · Standard | $1,087.183.50% APY · 36 Month Certificate · Standard | $2,717.953.50% APY · 36 Month Certificate · Standard | $5,435.893.50% APY · 36 Month Certificate · Standard |
| 48 months | $737.623.50% APY · 48 Month Certificate · Standard | $1,475.233.50% APY · 48 Month Certificate · Standard | $3,688.083.50% APY · 48 Month Certificate · Standard | $7,376.153.50% APY · 48 Month Certificate · Standard |
| 60 months | $938.433.50% APY · 60 Month Certificate · Standard | $1,876.863.50% APY · 60 Month Certificate · Standard | $4,692.163.50% APY · 60 Month Certificate · Standard | $9,384.323.50% APY · 60 Month Certificate · Standard |
How AmeriCU Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 91-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 2 of 149 tracked institutions with fresh 91-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| AmeriCU Credit Union (this institution)3 Month Certificate · Standard | 3 months | $50 | Coverage: NY | 4.50% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 3 months | $10,000 | Nationwide; check eligibility | 4.30% | October 22, 2026 |
| Bask BankBask Bank Certificate of Deposit · Standard | 3 months | $1,000 | Nationwide; check eligibility | 4.10% | October 22, 2026 |
| USAA BankSuper jumbo CD · Standard | 91 days | $175,000 | Coverage: AZ, CO, MD, NY, TX | 4.01% | October 22, 2026 |
| Newtek Bank (highest tracked APY for this term)Certificate of Deposit · Standard | 3 months | $2,500 | Coverage: FL | 4.60% | October 22, 2026 |
| Treasury (APY-equivalent) | 3 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.29% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking AmeriCU Credit Union on October 22, 2026.
About AmeriCU Credit Union
- Legal name
- Americu Credit Union
- Regulator ID
- NCUA 68433
- Headquarters
- Rome, NY
- Available in
- NY
- Total assets
- $3.0 billion
- Also known as
- Website
- www.americu.org
Source: rates read from https://www.americu.org/current-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at AmeriCU Credit Union?
Among the rates we track, 4.50% APY on a 3-month CD, as of October 22, 2026.
What is the minimum deposit for a AmeriCU Credit Union CD?
The lowest minimum we found is $50; jumbo and higher balance tiers start at up to $500.
How does AmeriCU Credit Union's best CD rate compare with Treasury yields?
4.50% APY is +0.21% versus the 3-month Treasury yield of 4.29% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 3.9 times the FDIC national average for a similar term (1.14% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are AmeriCU Credit Union CDs insured?
AmeriCU Credit Union is a federally insured credit union (NCUA 68433). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at AmeriCU Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check AmeriCU Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from AmeriCU Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with AmeriCU Credit Union before opening an account. This page is not financial advice.