Savings and Checking


Savings (Shares) Accounts

Your membership in Americo FCU begins with a Share Savings Accounts. With a $5.00 minimum deposit, you become a valuable member. This deposit remains in the account for the duration of your membership.



Checking (ShareDraft) Accounts

The convenience you want with a checking account but without all of the fees. Below are just a few of the benefits:

  • First 20 checks are free
  • No minimum balance required
  • No monthly service charge
  • Dividends are paid on daily balance
  • No per-check processing fees
  • Debit Cards for qualified members
  • Overdraft Protection loans for qualified applicants
  • Monthly statements


Deposits may be made in a variety of ways including:

  • Over the counter
  • Payroll Deductions
  • Direct Deposit
  • Mail
  • Via ATM

Checks are ordered through Deluxe Check printing and are mailed directly to your home. After your first 20 free checks, check orders can be placed by calling 1-877-838-5287 or visiting Deluxe’s website (new window/tab). Charges for printing the checks vary according to style chosen. You can manage your account with Home Banking, eStatement and Bill Pay services.

Free Checks to Senior Members of Americo FCU

For many years, Americo FCU has been offering one box of free checks to Senior Members. Every senior member qualifies for free checks once per calendar year. The box of checks can be ordered from any Member Service Representative. If you would like more information or want to find out if you qualify, call or visit either branch today!

Club Accounts

Club Accounts

Save for the holidays, vacation or taxes all year long and have the cash available when you need it. Club accounts are separate from your savings account.

Christmas Clubs
Our Christmas club accounts have no minimum balance requirements and no early withdrawal penalty. You may deposit any amount at any time and make withdrawals at will. Dividends are compounded and paid quarterly based on your daily balance. Christmas club balances are transferred to regular shares where you may transfer or withdraw the funds as you wish.

Vacation Clubs
Need a separate account to save up for your next vacation? We have just the one for you! Our vacation clubs require no minimum balance and earn dividends that are compounded and paid quarterly based on your daily balance. Deposits can be made in any amount at any time and will remain in the vacation club until you take them out.


Money Market

Money Market Accounts

Earn a higher dividend rate on your savings but have the cash readily available if you need it. The tiered account provides a higher return on your funds as your balance grows.

  • $2,500 minimum balance required
  • No deposit or withdrawal limitations
  • Dividends are paid monthly
  • Tiered dividend rates available
  • No penalty