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iAdvertiser Disclosure
Advertiser Disclosure
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 Access Community Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 24, 2026
Access Community Credit Union's IRA CD 6 mo. rates are at 3.40%, IRA CD 12 mo. rates are at 3.00%, IRA CD 24 mo. rates are at 2.50%. Access Community Credit Union's money market rates are at 0.50%. Access Community Credit Union's Personal Loan Rates are at 11.99%. MonitorBankRates evaluates the financial stability of Access Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.15%. Rates were last updated on 03/24/2026. Access Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Access Community Credit Union? Share your experience about Access Community Credit Union by leaving a review below, or read customer reviews before you decide to use Access Community Credit Union. Access Community Credit Union
Main Office 6401 Bell St
https://www.accesscreditunion.com Amarillo, TX 79109 
Access Community Credit Union CD Rates
Access Community Credit Union Money Market Rates
Access Community Credit Union Checking Rates
Access Community Credit Union Mortgage Rates
Access Community Credit Union Auto Loan Rates
Access Community Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Access Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Access Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Access Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Access Community Credit Union
Address
6401 Bell St,
Amarillo, TX 79109
Phone
806-353-9999
Fax
806-353-2533
President
Kris Bosley
CEO
John Hays
Full-Time Employees
58
Part-Time Employees
0
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.15%
Return on Assets (ROA)
-0.0809%
Return on Equity (ROE)
-0.7471%
Non-Performing Loans Ratio (NPL)
0.39%
Total Assets
196,772,935
Total Amount of Shares and Deposits
157,077,245
Total Shares and Deposits < 1 Year
150,182,919
Total Shares and Deposits 1 3 Years
5,894,229
Total Shares and Deposits > 3 Years
1,000,097
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,509,663
Total Uninsured Shares and Deposits > $250K (F+J)
9,509,663
Total Insured Shares and Deposits > $250K (item 17 less item K)
147,567,582
Total Interest Expense (Sum of items 6 8)
3,313,637
Share Certificates
1,033
Number of Accounts for Share Drafts
6,587
IRA KEOGH Accounts
316
Number of Accounts for Regular Shares
13,721
All other shares
6
Non Member Deposits
10
Money Market Shares
158
Net Income (unless the amount is already included in Undivided Earnings)
-471
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
7,943,970
Total Liabilities
175,472,239
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Access Community Credit UnionIs Access Community Credit Union a safe place to deposit money?Yes, Access Community Credit Union is considered a safe financial institution. With a Texas Ratio of 3.1518624641834%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Access Community Credit Union operate?Access Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Access Community Credit Union?Yes, to access services at Access Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Access Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Access Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Access Community Credit Union offer online and mobile banking?Most modern institutions like Access Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.accesscreditunion.com. Current Access Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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