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Access Credit Union

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Access Credit Union Rates & Review May 2026

Q: How many branches does Access Credit Union operate?

Access 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.

Q: Is a member application needed to join Access Credit Union?

Yes, to access services at Access 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.

Q: Is there a first-time homebuyer program?

Currently, Access 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Access Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 12, 2026

Access Credit Union's Personal Loan Rates are at 9.25%. MonitorBankRates evaluates the financial stability of Access Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.40%. Rates were last updated on 05/12/2026.

Access 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 Credit Union? Share your experience about Access Credit Union by leaving a review below, or read customer reviews before you decide to use Access Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.40%

Excellent Lower than avg

Access Credit Union
Broadview Main Office Branch

1807 W Cermak Rd
Broadview, IL 60155

https://www.access-cu.com/

Access Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	5.88%
Details No Closing Costs Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Home Equity Fixed-5 Years	-	-	6.25%
Details 80% Loan To Value Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Home Equity Fixed-5 Years	-	-	6.50%
Details 90% Loan To Value Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Prime Access HELOC	-	-	6.55%
Details 80% Loan To Value Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Home Equity Fixed-7 Years	-	-	6.75%
Details 80% Loan To Value Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Home Equity Fixed-10 Years	-	-	7.25%
Details 80% Loan To Value Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Home Equity Fixed-7 Years	-	-	7.50%
Details 90% Loan To Value Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Prime Access HELOC	-	-	7.75%
Details 90% Loan To Value Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Home Equity Fixed-10 Years	-	-	8.25%
Details 90% Loan To Value Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%

Access Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loan	-	9.25%
Details As Low As Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%
Personal Loan	-	9.75%
Details As Low As Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.40%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Access 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 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 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Access Credit Union

Website https://www.access-cu.com/

Address 1807 W Cermak Rd, Broadview, IL 60155

Phone 708-343-0228

Fax 708-681-2524

President James Parker

CEO Lisa Dinges

Full-Time Employees 13

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.40%

Return on Assets (ROA)

0.2479%

Return on Equity (ROE)

1.8047%

Non-Performing Loans Ratio (NPL)

0.89%

Total Assets

58,403,479

Total Amount of Shares and Deposits

50,081,810

Total Shares and Deposits < 1 Year

48,698,419

Total Shares and Deposits 1 3 Years

1,147,300

Total Shares and Deposits > 3 Years

236,091

Total Interest Expense (Sum of items 6 8)

151,639

Share Certificates

393

Number of Accounts for Share Drafts

2,030

IRA KEOGH Accounts

126

Number of Accounts for Regular Shares

5,545

All other shares

Money Market Shares

136

Net Income (unless the amount is already included in Undivided Earnings)

144,788

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,961,537

Total Liabilities

50,397,390

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Access Credit Union earned the Verified Strong badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Access Credit Union

How many branches does Access Credit Union operate?

Access 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 Credit Union?

Yes, to access services at Access 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Access Credit Union offer online and mobile banking?

Most modern institutions like Access 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.access-cu.com/.