Featured Savings Rates
Featured Accounts

Access Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.50%5-year CD60 Month Share Certificate
0.50%1-year CD12 Month Share Certificate
0.25%SavingsShare Savings

Overview / Commentary
315-557-1000
6 Franklin Ave
Clinton, NY 13323

Access Federal Credit Union is headquartered in Clinton and is the 57th largest credit union in the state of New York. It is also the 1,152nd largest credit union in the nation. It was established in 1947 and as of September of 2016, it had grown to 34 employees and 21,416 members at 5 locations. Access Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or go to school anywhere in Oneida County or the City of Oneida.
See current membership details

Reviews (2)

Access Review

I have had a very good experience with access federal credit union. They are very friendly people and offer a great service. Some things that I really like about the union is that I can access my account online and through my phone and withdraw money any time of the day. I have a savings and checking account with access. They also offer reward cash back opportunities for shopping with certain stores such as k-mart. I really like the fact that I don't even have to go in the bank in order to make transactions. I also have the option to pay bills through the bank as well. One other unique thing is that I can deposit checks. Overall I would absolutely recommend this bank to any person looking for a bank.

Access is a good choice

Posted by: Randomguy | May 2, 2014

I have had a very pleasant experience with this credit union since I have been with them. I used to cash my paychecks every week when I worked at a restaurant. When I got a new job and started using direct deposit I had to go their every couple of weeks to get my pay. And finally now, I use my smartphone and laptop to do any transactions with my credit union. I don't see any way the service could be better.



Health
A

Health Grade Components

Overall
NCUA #5579
Year Chartered1947
Employees34
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD6.61%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$162.8MM$152.7MM
LoansQ3 2016vs Q3 2015$91.6MM$87.6MM
DepositsQ3 2016vs Q3 2015$148.6MM$139.7MM
Equity CapitalQ3 2016vs Q3 2015$12.7MM$12.0MM
Loan Loss AllowanceQ3 2016vs Q3 2015$622.00K$594.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$597.00K$989.00K
Real Estate OwnedQ3 2016vs Q3 2015$14.00K$118.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Access Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$25$1kShare Savings
0.25%$25$1kHoliday Club
0.25%$25$1kVacation Club

Access Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$50k*-Money Market Savings
OTHER TIERS: 0.25% $5k - $25k | 0.30% $25k - $50k

Access Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--Attorney Escrow Account
1.00%--IOLA Checking
0.50%$500-e-ACCESS Checking (initial 6 months)
0.25%$500-e-ACCESS Checking (after initial 6 months)

Access Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k-60 Month Share Certificate
1.25%$1k-48 Month Share Certificate
1.00%$1k-36 Month Share Certificate
0.75%$1k-24 Month Share Certificate
0.50%$1k-12 Month Share Certificate
0.40%$1k-6 Month Share Certificate

Access Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k-60 Month IRA Certificate
1.50%$500-60 Month CESA Certificate
1.25%$1k-48 Month IRA Certificate
1.25%$500-48 Month CESA Certificate
1.00%$1k-36 Month IRA Certificate
1.00%$500-36 Month CESA Certificate
0.75%$1k-24 Month IRA Certificate
0.75%$500-24 Month CESA Certificate
0.50%$1k-12 Month IRA Certificate
0.50%$500-12 Month CESA Certificate
0.40%$1k-6 Month IRA Certificate
0.40%$500-6 Month CESA Certificate
Locations


Access Federal Credit Union Locations
Branch Office230 S James StRome, NY 13440
Branch Office390 W Seneca StSherrill, NY 13461
Branch Office2094 Glenwood Shopping PlzOneida, NY 13421-2715
Branch Office74 Main StCamden, NY 13316
Branch Office6 Franklin AveClinton, NY 13323