Business Details
50+ Years
experience
Your Trusted Financial Partner in Syracuse, NY
ACMG Federal Credit Union has been dedicated to improving financial lives since 1953. Rooted in Central New York's industrious heritage, we operate as a member-owned institution committed to community-driven financial solutions. Our services span personal and business banking, including savings accounts, loans, and credit products tailored to meet diverse needs. We emphasize competitive rates, personalized service, and financial education to empower our members. With a focus on local engagement, we combine decades of experience with modern digital tools like mobile banking apps and online account management.Our team prioritizes transparency, offering clear terms on products ranging from home equity loans to student loan refinancing. As a trusted partner, we balance tradition with innovation, ensuring accessibility through fee-free ATMs and shared branch networks. Our mission remains unchanged: to provide reliable financial support while honoring the resilience and values of our community.
Services
Personal Checking
Savings Accounts
Home Loans
Auto Loans
Credit Cards
Financial Education
Online Banking
Mobile App
IRA Certificates
Home Equity Loans
Details
- Year established: 1953
Highlights and features
- We've served Central New York since 1953 with local expertise.
- Our member-owned structure prioritizes your financial success.
- Competitive rates on savings, loans, and credit products.
- 24/7 digital banking tools for convenient account management.
- Community-focused approach with personalized financial guidance.
Services
Home Equity Loans
Access your home's equity for renovations, debt consolidation, or major purchases. We offer fixed and variable-rate options with terms up to 15 years. Competitive APRs reward strong credit profiles and collateral quality.
Auto Loans
Finance new or used vehicles from 2015-2025 with rates starting at 5.24% APR. Terms up to 84 months available for qualified borrowers. Refinancing options improve affordability for existing loans.
Savings Accounts
Grow savings with tiered dividend rates up to 0.60% APY. Specialized options include money market accounts and IRAs with competitive certificate rates for long-term goals.
Credit Cards
Choose between rewards and no-fee VISA cards starting at 7.90% APR. Balance transfer options reduce interest costs for qualified applicants seeking debt consolidation.
Personal Loans
Flexible financing for life's needs with rates starting at 8.99% APR. Terms up to 60 months provide predictable monthly payments for debt consolidation or major purchases.
Questions
What loan options are available for first-time homebuyers?
We offer fixed and variable-rate mortgages with competitive down payment requirements. Our advisors help first-time buyers navigate options like FHA loans and down payment assistance programs.
Can I access my accounts internationally?
Yes, use our CO-OP Shared Branch network and surcharge-free ATMs globally. Mobile banking provides 24/7 account access from any location with internet connectivity.
What credit score is needed for a VISA credit card?
Approval requires a minimum credit score of 660. Rewards cards demand higher scores, while our no-rewards option offers easier qualification with APRs starting at 7.90%.
Do you offer business banking services?
Yes, we provide business checking accounts, commercial loans, and merchant services. Specialized advisors help local businesses manage cash flow and growth financing.
How do I report a lost or stolen card?
Contact us immediately at 800.634.9239 during business hours or use our mobile app's card lock feature after hours to secure your account.
What financial education resources do you provide?
We offer free online tools, budgeting workshops, and personalized credit counseling. Our resources cover debt management, investment basics, and identity theft protection.
