Access Community Credit Union Rates and Review January 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 →
Access Community Credit Union's 12-Month CD rates are at 3.00%, 36-Month CD rates are at 2.50%, 24-Month CD rates are at 2.50%, 18-Month CD rates are at 2.50%, 60-Month CD rates are at 2.50%. Access Community Credit Union's savings rates are at 0.20%. Access Community Credit Union's money market rates are at 0.50%. Access Community Credit Union's Personal Loan Rates are at 11.99%.
Have you opened an account or have any experiences at ? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Access Community Credit Union Texas RatioAccess Community Credit Union's Texas Ratio is at 3.15%, which is considered excellent. The Texas Ratio for Access Community Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Access Community Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Access Community Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Access Community Credit Union
Main Office
6401 Bell St
Amarillo, TX 79109 
Access Community Credit Union Deposit Rates
Access Community Credit Union
Rewards Checking
3.25%
$500
Access Community Credit Union
12-Month CD
3.00%
$1,000
Access Community Credit Union
18-Month CD
2.50%
$1,000
Show More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Access Community Credit Union Personal Loan Rates
Access Community Credit Union
Debt Consolidation
13.990%
$0
1 - 72
Access Community Credit Union
Personal Loans
11.990%
$0
1 - 12
Access Community Credit Union
Personal Loans
12.990%
$0
13 - 60
The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Credit Card Rate ComparisonEveryday Rewards+ Card Visa
19.490% - 29.740%
Earn up to 4x unlimited points AND receive a $150 bonus.
VISA® Classic
12.960%
VISA Secured
18.000%
Show More
The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Loan
12.740%
$0
36
Personal Loans
10.250% - 10.650%
$3,000 - $25,000
Signature Loans
11.240%
$0 - $10,000
60 - 60
Show More
The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. 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 & OverviewCredit Union Name: Access Community Credit Union
Website: https://www.accesscreditunion.com
Full Time Employees: 58Part Time Employees: 0 President: Kris Bosley CEO: John Hays Branch Locations: 4 ATM Locations: 4 Corporate Office Address:
6401 Bell St
Amarillo, TX 79109 Phone Number: 806-353-9999 Fax Number: 806-353-2533 FinancialsTotal 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
Show More
Source: NCUA Last Updated 09/30/2025
Customer ReviewsMlEm
December 17, 2025
pgFx
Add Your Rating and Review for Access Community Credit Union
Frequently Asked Questions About Access Community Credit UnionIs a member application needed to join Access Community Credit Union?Yes, to access services at Access Community Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Access Community Credit Union provides a range of mortgage and home equity products. Is Access Community Credit Union a safe place to deposit money?Yes, Access Community Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Access Community Credit Union offer online and mobile banking?Most modern institutions like Access Community Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
