Access Federal Credit Union

Overview / Commentary
6 Franklin Ave
Clinton, NY 13323

Access Federal Credit Union is headquartered in Clinton and is the 51st largest credit union in the state of New York. It is also the 1,119th largest credit union in the nation. It was established in 1947 and as of March of 2024, it had grown to 39 employees and 22,903 members at 5 locations. Access Federal Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Access Federal Credit Union is open to businesses or other legal entities, and anyone who lives, works, worships, or attends school in the City of Oneida or New York counties of Fulton, Hamilton, Herkimer, Lewis, Madison, Montgomery, Oneida, or Otsego. Immediate family of current credit union members are also eligible.
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Reviews (3)

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: |

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.

Access Federal Credit Union

I was a customer of Access Federal Credit Union for several years. I had grown tired of banks and feeling like I was just a number on a ledger and switched to a credit union. My experience with Access was pretty good. The people were friendly, and the interest rates were really competitive. I enjoyed getting a dividend every year and feeling like I could influence the direction of the institution. The reason I left was their online presence was quite disappointing. It was generic and did not allow much online banking. Lack of ATM locations meant it was difficult getting my money out of my account. If they refunded ATM fees that would have made things a lot easier for me to deal with.


Health Grade Components

NCUA #5579
Year Chartered1947
Primary Regulator
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD12.41%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$253.5MM$253.3MM
LoansQ1 2024vs Q1 2023$146.9MM$145.5MM
DepositsQ1 2024vs Q1 2023$229.9MM$232.7MM
Equity CapitalQ1 2024vs Q1 2023$21.5MM$18.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$838K$875K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$655K$452K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Always verify rates and promotions with the bank or credit union. We are not Access Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.25%$25-Share Savings
0.25%$25-Vacation Club
0.25%$25-Holiday Club

Access Federal Credit Union Money Market Rates

1.60%*$25k*-Money Market Savings
OTHER TIERS: 0.25% $5k - $10k | 1.15% $10k - $25k

Access Federal Credit Union Checking Account Rates

1.00%$0-Attorney Escrow Account
1.00%$0-IOLA Checking
0.25%$500-e-ACCESS Checking

Access Federal Credit Union CD Rates

5.00%$1k-6 Month Share Certificate
4.50%$1k-12 Month Share Certificate
4.25%$1k-24 Month Share Certificate
4.00%$1k-36 Month Share Certificate
3.40%$1k-60 Month Share Certificate
3.30%$1k-48 Month Share Certificate

Access Federal Credit Union IRA Rates

5.00%$1k-6 Month IRA Certificate
5.00%$500-6 Month CESA Certificate
4.50%$1k-12 Month IRA Certificate
4.50%$500-12 Month CESA Certificate
4.25%$1k-24 Month IRA Certificate
4.25%$500-24 Month CESA Certificate
4.00%$1k-36 Month IRA Certificate
4.00%$500-36 Month CESA Certificate
3.40%$1k-60 Month IRA Certificate
3.40%$500-60 Month CESA Certificate
3.30%$1k-48 Month IRA Certificate
3.30%$500-48 Month CESA Certificate

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

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