Access Federal Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Access Federal Credit Union's 12-Month CD rates are at 4.25%, 24-Month CD rates are at 4.10%, 36-Month CD rates are at 4.00%, 60-Month CD rates are at 3.40%, 48-Month CD rates are at 3.30%. Access Federal Credit Union's savings rates are at 0.25%. Access Federal Credit Union's money market rates are at 1.60%. Access Federal Credit Union's Personal Loan Rates are at 9.99. Access Federal Credit Union's Credit Card Rates are at 9.90.

Access Federal Credit Union

Compare Access Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Access Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Access Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Access Federal Credit Union? Share your experience about Access Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Access Federal Credit Union.

Overall, Access Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
4.25%
18-Month CD
N/A
24-Month CD
4.10%
36-Month CD
4.00%
48-Month CD
3.30%
60-Month CD
3.40%
Savings
0.25%
MMA
1.60%
30-Year Fixed
N/A
Credit Card
9.90%
Personal Loan
9.99%
Access Federal Credit Union
Clinton Office
6 Franklin Ave
Clinton, NY 13323
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare Access Federal Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Community Bank and Trust - West Georgia
Community Bank and Trust - West Georgia
12-Month CD
4.45%
$500
Access Federal Credit Union
Access Federal Credit Union
12-Month CD
4.25%
$1,000
Access Federal Credit Union
Access Federal Credit Union
24-Month CD
4.10%
$1,000
American National Bank
American National Bank
Money Market
4.00%
$25,000
Access Federal Credit Union
Access Federal Credit Union
36-Month CD
4.00%
$1,000
Hughes Federal Credit Union
Hughes Federal Credit Union
12-Month CD
3.82%
$1,000
Colorado Federal Savings Bank
Colorado Federal Savings Bank
60-Month CD
3.80%
$5,000
Schaumburg Bank & Trust Company
Schaumburg Bank & Trust Company
11-Month CD
3.75%
$1,000
Kearney Trust Company
Kearney Trust Company
18-Month CD
3.72%
$100
Bank of Prairie du Sac
Bank of Prairie du Sac
36-Month CD
3.70%
$1,000
Farm Bureau Bank FSB
Farm Bureau Bank FSB
6-Month CD (CDARS)
3.60%
$250,000
FNB of Wyoming
FNB of Wyoming
6-Month CD
3.56%
$100
MCT Credit Union
MCT Credit Union
60-Month CD
3.56%
$1,000
Department of Commerce FCU
Department of Commerce FCU
Performance Checking
3.50%
$0
Access Federal Credit Union
Access Federal Credit Union
60-Month CD
3.40%
$1,000
Centinel Bank of Taos
Centinel Bank of Taos
36-Month CD
3.35%
$1,000
FSB of Randolph County
FSB of Randolph County
24-Month CD
3.35%
$500
Access Federal Credit Union
Access Federal Credit Union
48-Month CD
3.30%
$1,000
First Shore Federal S&L
First Shore Federal S&L
60-Month CD
3.25%
$500
Minnesota First
Minnesota First
48-Month CD
3.14%
$500
New Peoples Bank
New Peoples Bank
36-Month CD
3.10%
$0
The Peoples S&L Co.
The Peoples S&L Co.
30-Month CD
3.03%
$500
M&T Bank
M&T Bank
12-Month CD (Select)
3.00%
$1,000
Central Bank Provo, UT
Central Bank Provo, UT
36-Month CD
2.88%
$500
Clear Lake Bank and Trust Company
Clear Lake Bank and Trust Company
36-Month CD
2.85%
$1,000
Peoples Bank Coldwater, KS
Peoples Bank Coldwater, KS
36-Month CD
2.77%
$500
MountainOne Bank
MountainOne Bank
60-Month CD
2.75%
$1,000
Elkhorn Valley Bank & Trust
Elkhorn Valley Bank & Trust
12-Month CD
2.60%
$0
Gateway Bank Mendota Heights, MN
Gateway Bank Mendota Heights, MN
36-Month CD
2.49%
$1,000
Randolph Brooks FCU
Randolph Brooks FCU
Choice Money Market
2.27%
$2,500
Providence Bank
Providence Bank
12-Month CD
2.25%
$1,000
Union Federal S&L
60-Month CD
2.25%
$200
Regent Bank (OK)
Regent Bank (OK)
120-Month CD
2.00%
$1,000
802 Credit Union
802 Credit Union
6-Month CD
1.85%
$500
Access Federal Credit Union
Access Federal Credit Union
Money Market
1.60%
$25,000
Grand Timber Bank
Grand Timber Bank
6-Month CD
1.51%
$2,500
Northumberland Bank
Northumberland Bank
Money Market
1.26%
$100,000
Fremont Bank
Fremont Bank
60-Month CD
1.25%
$2,500
USAA Federal Savings Bank
USAA Federal Savings Bank
60-Month CD
1.25%
$1,000
William Penn Bank
William Penn Bank
18-Month CD
1.01%
$500
Westfield Bank, FSB
Westfield Bank, FSB
24-Month CD
1.00%
$2,500
FirstOak Bank
FirstOak Bank
6-Month CD
0.60%
$500
KeySavings Bank
KeySavings Bank
Regular Savings
0.50%
$50
Adirondack Bank
Adirondack Bank
48-Month CD
0.50%
$1,000
SNB St. Henry Bank
SNB St. Henry Bank
48-Month CD
0.35%
$1,000
FNB Of Nokomis
FNB Of Nokomis
Money Market
0.30%
$1
First Community Bank of Hillsboro
First Community Bank of Hillsboro
Business Money Market
0.25%
$100,000
First Secure Bank and Trust Co.
First Secure Bank and Trust Co.
12-Month CD
0.25%
$1,000
First State B&T Williston, ND
First State B&T Williston, ND
Classic Savings
0.25%
$200
The Valley State Bank
The Valley State Bank
12-Month CD
0.25%
$500
Access Federal Credit Union
Access Federal Credit Union
Share Savings
0.25%
$25
Oxford Bank
Oxford Bank
36-Month CD
0.25%
$500
FirstOak Bank
FirstOak Bank
Money Market
0.25%
$100,000
Adirondack Bank
Adirondack Bank
18-Month CD
0.20%
$1,000
Blue Foundry Bank
Blue Foundry Bank
Blue Axis Edge Checking
0.05%
$1
First National B&T Co. Clinton, IL
First National B&T Co. Clinton, IL
Savings
0.02%
$100
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.

Compare Access Federal Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
Americas First Federal Credit Union
Americas First Federal Credit Union
15-Year Fixed
5.560%
5.250%
0.000
North Carolina Press Association Federal Credit Union
North Carolina Press Association Federal Credit Union
5 Year ARM
5.125%
5.523%
0.000
American Eagle Financial Credit Union
American Eagle Financial Credit Union
15-Year Fixed
5.625%
5.797%
0.000
Pittsford Federal Credit Union
Pittsford Federal Credit Union
15-Year Fixed
5.750%
5.801%
0.000
McCoy Federal Credit Union
McCoy Federal Credit Union
10 Year Fixed
5.500%
5.820%
0.000
Pioneer Federal Credit Union
Pioneer Federal Credit Union
30-Year Fixed
5.875%
6.022%
0.000
Abound Federal Credit Union
Abound Federal Credit Union
7-Year ARM
6.000%
6.084%
0.000
Kirtland Federal Credit Union
Kirtland Federal Credit Union
15 Year Fixed
6.000%
6.303%
0.000
Addition Financial Credit Union
Addition Financial Credit Union
15-Year Fixed
6.125%
6.309%
0.000
Citi
Citi
15-Year Fixed
6.000%
6.332%
0.875
Community First Bank Rosholt, WI
Community First Bank Rosholt, WI
15-Year Fixed
6.125%
6.369%
0.000
Collinsville Bank
Collinsville Bank
10-Year Fixed
6.125%
6.383%
0.000
Mid-Atlantic Federal Credit Union
Mid-Atlantic Federal Credit Union
7/6 ARM
6.375%
6.394%
0.000
Pittsford Federal Credit Union
Pittsford Federal Credit Union
20-Year Fixed
6.375%
6.417%
0.000
Midwest Liberty Federal Credit Union
Midwest Liberty Federal Credit Union
10 Year Fixed
6.000%
6.434%
0.000
San Mateo Credit Union
San Mateo Credit Union
15-Year Fixed
6.125%
6.449%
0.000
First National Bank of Hutchinson
First National Bank of Hutchinson
15-Year Fixed
6.250%
6.450%
0.000
Addition Financial Credit Union
Addition Financial Credit Union
5-Year ARM
6.375%
6.488%
0.000
First Northern Bank and Trust Company
First Northern Bank and Trust Company
15-Year Fixed
6.250%
6.488%
0.000
OlyFed Olympia Federal S&L
OlyFed Olympia Federal S&L
15-Year Fixed
6.250%
6.513%
1.000
Unity Bank
Unity Bank
15-Year Fixed
6.500%
6.521%
0.000
Holyoke Credit Union
Holyoke Credit Union
15 Year Fixed Jumbo
6.500%
6.541%
0.000
Consumers Credit Union
Consumers Credit Union
15-Year Fixed
6.375%
6.542%
0.000
USB Union Savings Bank
USB Union Savings Bank
7/1 ARM
5.875%
6.544%
0.000
Sheboygan Area Credit Union
Sheboygan Area Credit Union
20-Year Fixed
6.500%
6.550%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Access Federal Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
Access Federal Credit Union
Access Federal Credit Union
Access FCU Visa Classic
13.500%
Access Federal Credit Union
Access Federal Credit Union
Access FCU Visa Gold
9.900%
1st MidAmerica Credit Union
1st MidAmerica Credit Union
Platinum Rewards
8.900% - 13.900%
Based upon credit worthiness.
360 Federal Credit Union
360 Federal Credit Union
Visa Classic
3.990%
Introductory Rate of 3.99% APR for 12 months on transactions in the first 90 days.
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Gold
15.400%
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power Cash Back World MasterCard
16.950% - 18.000%
The Golden 1 Credit Union
The Golden 1 Credit Union
Member First VISA
15.040%
No balance transfer fees or annual fees.
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Inspire Mastercard
13.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
ACFCU
ACFCU
Max Cash Secure Card Visa
29.990%
Make improving your credit score4 even more rewarding with up to 5% cash back in 2 categories you choose
ACFCU
ACFCU
Everyday Rewards+ Card Visa
19.490% - 29.740%
Earn up to 4x unlimited points AND receive a $150 bonus.
America First Federal Credit Union
America First Federal Credit Union
Platinum Low Rate VISA
12.240%
Low Rate Platinum Card
Y-12 Federal Credit Union
Y-12 Federal Credit Union
VISA Secured
18.000%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred Starter
17.990%
1st United Credit Union
1st United Credit Union
Visa Platinum
13.900%
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Cash Back Credit Card
17.740%
Automatically get 1.5% cash back on all purchases with no fuss
ACFCU
ACFCU
Travel Rewards+ Card Visa
19.740% - 29.740%
Earn 4x unlimited points on travel and more, plus receive a $250 bonus.
ACFCU
ACFCU
Secure Card Visa
29.240%
A card that\'s perfect for anyone who wants to improve or establish their credit.
Y-12 Federal Credit Union
Y-12 Federal Credit Union
VISA Signature Rewards
16.740% - 18.000%
University First Federal Credit Union
University First Federal Credit Union
Visa Business Rewards Card
15.240%
1st Northern California Credit Union
1st Northern California Credit Union
Visa Classic
11.900%
America First Federal Credit Union
America First Federal Credit Union
SIGNATURE 1.5% CASH BACK VISA
18.000%
Unlimited 1.5% Cash Back Signature Card
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Rewards Credit Card
14.240%
1st Valley Credit Union
1st Valley Credit Union
Platinum Secured Visa
8.750%
Achieve Credit Union
Achieve Credit Union
Visa Platinum Credit Card
8.900%
No annual fee. No balance transfer fee. No cash advance fee.
Abbey Credit Union
Abbey Credit Union
VISA® Gold
11.960%
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.

Compare Access Federal Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
Access Federal Credit Union
Access Federal Credit Union
Consolidation Loans
13.060%
$0
1 - 36
Access Federal Credit Union
Access Federal Credit Union
Consolidation Loans
14.850%
$0
37 - 60
Access Federal Credit Union
Access Federal Credit Union
Unsecured Loans
9.990%
$0
1 - 60
Teachers Federal Credit Union
Teachers Federal Credit Union
Unsecured Personal Loan
12.740%
$0 - $50,000
61 - 72
1st MidAmerica Credit Union
1st MidAmerica Credit Union
Signature Loan
10.700%
$0 - $10,000
60 - 60
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
Personal Loan
9.200% - 17.950%
$0 - $2,500
36 - 36
InFirst Bank
InFirst Bank
Personal Loan
12.000% - 12.090%
$1,500 - $15,000
60 - 60
Academic Employees Credit Union
Academic Employees Credit Union
Preferred Personal Loan
10.000%
$0
60
Suncoast Credit Union
Suncoast Credit Union
Technology Loan
9.750%
$0
36
AAEC Credit Union
AAEC Credit Union
Education (tuition bill required)
8.250%
$0
60
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Personal Loan
10.490%
$0
60 - 60
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
10.000%
$0
12 - 12
AHE Plant 3 Federal Credit Union
AHE Plant 3 Federal Credit Union
Loan Specials
8.500%
$0 - $6,000
42
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
Open End Line-of-Credit
11.990%
$0
Security Service Federal Credit Union
Security Service Federal Credit Union
Personal Loan
11.240% - 17.950%
$0
25 - 36
InFirst Bank
InFirst Bank
Personal Loan
13.000% - 13.200%
$1,500 - $15,000
24 - 24
ABCO Federal Credit Union
ABCO Federal Credit Union
Vacation Loans
10.490%
$0
Achieve Financial Credit Union
Achieve Financial Credit Union
Unsecured/Personal Loans
8.990%
$0
Academic Employees Credit Union
Academic Employees Credit Union
Personal Loan
10.500%
$0 - $5,000
24 - 36
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
Personal Loan
9.200% - 17.950%
$0 - $500
48 - 48
1st Street Credit Union
1st Street Credit Union
50% Share Secured Loan
6.460% - 14.990%
$0
1st Liberty Federal Credit Union
1st Liberty Federal Credit Union
Signature Loans
11.240%
$0 - $10,000
60 - 60
A+ Federal Credit Union
A+ Federal Credit Union
A+ Personal Loan
8.990%
$0
84
1st University Credit Union
1st University Credit Union
Unsecured Signature Loan
10.250%
$0
25 - 36
The Golden 1 Credit Union
The Golden 1 Credit Union
Personal Line of Credit
13.040%
$0
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.

Access Federal Credit Union Information

Credit Union Name: Access Federal Credit Union
Full Time Employees: 39
Part Time Employees: 8
President: S Leo Angelicola
CEO: Thomas Owens
Branch Locations: 5
ATM Locations: 5
Corporate Office Address:
6 Franklin Ave
Clinton, NY 13323
Phone Number: 315-557-1000
Fax Number: 315-557-1004

Access Federal Credit Union Financials

Total Assets:
253,468,967
Total Amount of Shares and Deposits:
229,903,924
Total Shares and Deposits < 1 Year:
217,990,017
Total Shares and Deposits 1 3 Years:
9,284,922
Total Shares and Deposits > 3 Years:
2,628,983
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
10,767,195
Total Uninsured Shares and Deposits > $250K (F+J):
10,767,195
Total Insured Shares and Deposits > $250K (item 17 less item K):
219,136,729
Total Interest Expense (Sum of items 6 8):
428,811
Share Certificates:
1,219
Number of Accounts for Share Drafts:
15,621
IRA KEOGH Accounts:
468
Number of Accounts for Regular Shares:
25,566
Money Market Shares:
363
Net Income (unless the amount is already included in Undivided Earnings):
668,102
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
18,147,996
Total Liabilities:
231,960,737
Show More

Access Federal Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
No
Is Financial Counseling Offered?:
No
Financial Education offered for Members?:
No
Are financial literacy Workshops offered?:
No
Is there a first time homebuyer program?:
No
Credit management and repair offered?:
No
Online Financial Literacy?:
No
No Cost Bill Payer:
Yes
Student Scholarships:
1
Mortgage Processing:
No
Approved Mortgage Seller?:
No
Deposits and Shares Meeting 70310(a):
1
Brokered Certificates of Deposits:
1
payment:
Yes
Are low cost wire transfers available?:
No
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
No
Account Aggregation:
1
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA Last Updated 03/31/2024

Explore Other Rate Deals

Third Federal Savings and Loan is offering an incredible deal on a home equity line of credit (HELOC).
30 year mortgage rates increased for the third consecutive day after hitting an all-time low this past Friday. Current 30 year mortgage rates are averaging 4.12%, up from yesterday’s average 30 year mortgage rate of 4.07%. 15 year mortgage rates are averaging 3.36%, an increase from yesterday’s average 15 year mortgage rate of 3.31%.

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Access Federal Credit Union Reviews

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