Clinton, NY 13323
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.95% →
1-Year CD 0.85% 1.01% →
2-Year CD 1.10% 0.95% →
5-Year CD 1.10% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Access is an NCUA insured institution located in Clinton, NY. It was founded in 1947 and has approximately $188.2 millions in assets.

NCUA Insured Yes
Charter Number # # 5579
Date Established 1947
Assets $188.20 million
Loans $134.15 million
Deposits $170.92 million
Capital $18.00 million

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.

Deposit Rates - October 21, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.25% $2,500 $4,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.50% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.55% $10,000 $14,999 Learn More
6 Mo CD
0.55% $100,000 $199,999 Learn More
12 Mo CD
0.85% $10,000 $14,999 Learn More
12 Mo CD
0.85% $100,000 $199,999 Learn More
24 Mo CD
1.10% $10,000 $14,999 Learn More
24 Mo CD
1.10% $100,000 $199,999 Learn More
36 Mo CD
0.90% $10,000 $14,999 Learn More
36 Mo CD
0.90% $100,000 $199,999 Learn More
48 Mo CD
0.95% $10,000 $14,999 Learn More
48 Mo CD
0.95% $100,000 $199,999 Learn More
60 Mo CD
1.10% $10,000 $14,999 Learn More
60 Mo CD
1.10% $100,000 $199,999 Learn More

Loan Rates - October 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for ACCESS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.569% 2.500% 0.88 $2,258 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to ACCESS
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Access branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Access Locations

Financial Details

Access Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Access. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Access U.S. Average
10.10% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Access had $1,789,092 in non-current loans and $99,454 in owned assets. To cover these potential losses it had $18,004,143 in net worth and $699,819 in loans loss reserves. That gives it a Texas Ratio of 10.10%.

Net Worth
Access U.S. Average
9.56% 13.61%

Access FCU has a net worth of 9.56% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Access

Branches and Savings

What is Access?

A federal credit union, registered with the NCUA under certificate #5579.
Learn more about credit unions here.

Is Access FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Access?

Please see Field of Membership information above for information on who is eligible to join.

What are Access's share account and share certificate rates?

Access's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Access?

Access has total capital of $18.00 million. Full information on Access's financial position is located above.

Who owns Access?

Credit Unions are owned by their members.

Where are Access branches located?

See branch locations nearby.

Are Access ATMs Open 24/7?

Do Access ATMs accept cash deposits?

Can Access customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Access have a mobile app?

Does Access have mobile deposit?

Does Access have quick pay?

How can Access transfer money to other banks or credit unions?

Does Access report to credit bureaus?

Does Access use Chexsystems?

Does Access use Equifax?

What is Access's toll free phone number?

What is Access's ACH Routing Number?

What is Access's SWIFT code?

Where can I find Access's wire transfer form?

What is the Access address for deposits?

What Products Does Access Offer

Does Access offer mortgages?

Compare mortgage rates here.

Does Access offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Access offer auto and RV loans?

Compare auto loan rates here.

Does Access offer student loans or personal loans?

Compare personal loan rates here.

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