Access Federal Credit Union


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

Access Federal Credit Union is headquartered in Clinton and is the 50th largest credit union in the state of New York. It is also the 1,087th largest credit union in the nation. It was established in 1947 and as of September of 2024, it had grown to 41 employees and 23,080 members at 5 locations. Access Federal Credit Union's CD rates are 5X the national average, and it has an A 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.
See current membership details

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Health

Health Grade Components

Overall
NCUA #5579
Year Chartered1947
Employees41
Primary Regulator
Profit Margin
Return on Assets - YTD1.23%
Return on Equity - YTD13.51%
Annual Interest Income$7.6MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$265.4MM$254.5MM
LoansQ3 2024vs Q3 2023$149.9MM$151.4MM
DepositsQ3 2024vs Q3 2023$239.4MM$225.8MM
Equity CapitalQ3 2024vs Q3 2023$23.9MM$19.9MM
Loan Loss AllowanceQ3 2024vs Q3 2023$809K$858K
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$1MM$648K
Real Estate OwnedQ3 2024vs Q3 2023$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$25-Share Savings
0.25%$25-Vacation Club
0.25%$25-Holiday Club

Access Federal Credit Union Money Market Rates

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

Access Federal Credit Union Checking Account Rates

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

Access Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$1k-6 Month IRA Certificate
4.50%$1k-12 Month IRA Certificate
4.50%$500-6 Month CESA 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
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

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