Access Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.accessfcu.org

315-557-1000

6 Franklin Ave
Clinton, NY 13323

Access Federal Credit Union is headquartered in Clinton and is the 49^th largest credit union in the state of New York. It is also the 1,062^nd largest credit union in the nation. It was established in 1947 and as of March of 2025, it had grown to 42 employees and 23,154 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

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	5579
Year Chartered	1947
Employees	42
Primary Regulator

Profit Margin
Return on Assets - YTD	1.04%
Return on Equity - YTD	11.51%
Annual Interest Income	$2.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$286.3MM$253.5MM
Loans	Q1 2025vs Q1 2024	$147.1MM$146.9MM
Deposits	Q1 2025vs Q1 2024	$258.6MM$229.9MM
Equity Capital	Q1 2025vs Q1 2024	$25.2MM$21.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$859K$838K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$769K$655K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.25%	$25	-	Share Savings
0.25%	$25	-	Vacation Club
0.25%	$25	-	Holiday Club

Access Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.60%^*	$25k^*	-	Money Market Savings
OTHER TIERS: 0.25% → $5k - $10k \| 1.15% → $10k - $25k

Access Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$0	-	Attorney Escrow Account
1.00%	$0	-	IOLA Checking
0.25%	$500	-	e-ACCESS Checking

Access Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%	$1k	-	6 Month Share Certificate
4.25%	$1k	-	12 Month Share Certificate
4.10%	$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

APY	MIN	MAX	ACCOUNT NAME
4.50%	$1k	-	6 Month IRA Certificate
4.50%	$500	-	6 Month CESA Certificate
4.25%	$1k	-	12 Month IRA Certificate
4.25%	$500	-	12 Month CESA Certificate
4.10%	$1k	-	24 Month IRA Certificate
4.10%	$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 Office	230 S James St	Rome, NY 13440
Branch Office	390 W Seneca St	Sherrill, NY 13461
Branch Office	2094 Glenwood Shopping Plz	Oneida, NY 13421-2715
Branch Office	74 Main St	Camden, NY 13316
Branch Office	6 Franklin Ave	Clinton, NY 13323

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