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

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Access Federal Credit Union's 12-Month CD share certificate rates are at 4.50%, 24-Month CD share certificate rates are at 4.25%, 36-Month CD share certificate rates are at 3.75%, 60-Month CD share certificate rates are at 3.40%, 48-Month CD share certificate rates are at 3.25%. 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
4.50%
18-Month CD
N/A
24-Month CD
4.25%
36-Month CD
3.75%
48-Month CD
3.25%
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
Grand Bank for Savings
Grand Bank for Savings
8-Month CD special
5.50%
$1,000
WCF Financial Bank
WCF Financial Bank
7-Month CD special
5.10%
$1,000
Comerica Bank & Trust, N.A.
Comerica Bank & Trust, N.A.
6-Month CD
5.00%
$5,000
Southwest National Bank
Southwest National Bank
11-Month CD special
5.00%
$500
Synchrony Bank
Synchrony Bank
6-Month CD
4.80%
$0
Exchange Bank and Trust Company
Exchange Bank and Trust Company
6-Month CD
4.63%
$1,000
Access Federal Credit Union
Access Federal Credit Union
12-Month CD share certificate
4.50%
$1,000
Consumers National Bank
Consumers National Bank
11-Month CD
4.35%
$1,000
Access Federal Credit Union
Access Federal Credit Union
24-Month CD share certificate
4.25%
$1,000
Fidelity Co-operative Bank
Fidelity Co-operative Bank
7-Month CD special
4.20%
$500
Gunnison S&L
Gunnison S&L
36-Month CD
4.08%
$1
Charles River Bank
Charles River Bank
12-Month CD
4.00%
$1,000
FNB of Hereford
FNB of Hereford
3-Month CD
3.91%
$50,000
Mauch Chunk Trust Co.
12-Month CD
3.75%
$500
Access Federal Credit Union
Access Federal Credit Union
36-Month CD share certificate
3.75%
$1,000
Union Bank, Inc.
Union Bank, Inc.
Money Market Deposit Account Plus
3.56%
$250,000
Access Federal Credit Union
Access Federal Credit Union
60-Month CD share certificate
3.40%
$1,000
Tinker Federal Credit Union
Tinker Federal Credit Union
60-Month CD
3.34%
$1,000
EvaBank
EvaBank
36-Month CD
3.30%
$1,000
Access Federal Credit Union
Access Federal Credit Union
48-Month CD share certificate
3.25%
$1,000
Falcon National Bank
Falcon National Bank
12-Month CD
3.25%
$500
Farmers Insurance Federal Credit Union
Farmers Insurance Federal Credit Union
3-Month CD certificate
3.15%
$1,000
First Commerce Bank Lewisburg, TN
First Commerce Bank Lewisburg, TN
60-Month CD
3.03%
$1,000
Lyons Federal Bank
Lyons Federal Bank
18-Month CD
3.03%
$50,000
The Citizens Bank of Georgia
The Citizens Bank of Georgia
36-Month CD
3.00%
$500
TriCentury Bank
TriCentury Bank
Gold Money Market Checking
3.00%
$200,000
Charles River Bank
Charles River Bank
36-Month CD
3.00%
$1,000
TSB Bank
TSB Bank
36-Month CD
2.85%
$500
Delaware NB of Delhi
Delaware NB of Delhi
48-Month CD
2.68%
$100
First Independent Bank Russell, MN
First Independent Bank Russell, MN
Investment Savings
2.53%
$500,000
Citizens State Bank Moundridge, KS
24-Month CD
2.50%
$1,000
Chelsea State Bank (CSB)
Chelsea State Bank (CSB)
18-Month CD
2.47%
$500
Jones Bank
Jones Bank
60-Month CD
2.25%
$500
Bank of Canton
Bank of Canton
36-Month CD
2.25%
$1,000
Farmers State Bank Victor, MT
Farmers State Bank Victor, MT
36-Month CD
2.02%
$1,000
UniBank for Savings
UniBank for Savings
60-Month CD
1.75%
$500
Access Federal Credit Union
Access Federal Credit Union
Money Market Savings
1.60%
$25,000
Pittsfield Co-operative Bank
Pittsfield Co-operative Bank
18-Month CD
1.10%
$500
First Security State Bank Evansdale, IA
First Security State Bank Evansdale, IA
36-Month CD
1.05%
$1,000
Community National Bank (VT)
Community National Bank (VT)
60-Month CD
1.01%
$2,500
First Federal S&L of Greene Co
First Federal S&L of Greene Co
6-Month CD
1.00%
$500
FCNB of St. Paris
Money Market
0.80%
$2,500
First Arkansas Bank and Trust
First Arkansas Bank and Trust
24-Month CD
0.65%
$500
FNB of Wyoming
FNB of Wyoming
Personal Savings
0.55%
$50
Kirkwood Bank & Trust Co.
Kirkwood Bank & Trust Co.
Now Checking
0.45%
$100
Security State Bank of Marine
Security State Bank of Marine
24-Month CD
0.45%
$300
USLA Union S&L
USLA Union S&L
30-Month CD
0.40%
$1,000
Partners Bank of New England
24-Month CD
0.35%
$500
Citizens Federal Savings and Loan Association
Citizens Federal Savings and Loan Association
Checking Classic Plus
0.25%
$100
First Federal S&L of Van Wert
First Federal S&L of Van Wert
12-Month CD
0.25%
$2,500
Access Federal Credit Union
Access Federal Credit Union
Share Savings
0.25%
$25
Woodlands National Bank
Woodlands National Bank
Savings Account
0.15%
$50
Lake Elmo Bank
Lake Elmo Bank
Interest Checking
0.10%
$0
Achieve Financial Credit Union
Achieve Financial Credit Union
12-Month CD certificate
0.10%
$1,000
Community Bank Mankato
Community Bank Mankato
Savings Account Prestige
0.05%
$50
Reading Co-op Bank
Reading Co-op Bank
Money Market
0.05%
$0
Pennsville National Bank
Pennsville National Bank
Money Market Fund
0.02%
$5,000
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.

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

Lender
Product
Rate
APR
Points
El Reno RIL Credit Union
El Reno RIL Credit Union
10 Year Fixed
4.500%
4.666%
0.000
El Reno RIL Credit Union
El Reno RIL Credit Union
30 Year Fixed
5.500%
5.570%
0.000
Abound Federal Credit Union
Abound Federal Credit Union
7-Year ARM
5.875%
5.958%
0.000
Institution for Savings
Institution for Savings
30-Year Fixed
5.875%
6.096%
2.000
Navy Federal Credit Union
Navy Federal Credit Union
15-Year Fixed Jumbo
6.000%
6.197%
0.250
Harleysville Bank
Harleysville Bank
15-Year Fixed
6.250%
6.271%
0.000
Unity Bank
Unity Bank
15-Year Fixed
6.250%
6.303%
0.000
Collinsville Bank
Collinsville Bank
10-Year Fixed
6.125%
6.317%
0.000
Citizens State Bank Cadott, WI
Citizens State Bank Cadott, WI
20-Year Fixed
6.375%
6.469%
0.000
FNB of River Falls
FNB of River Falls
20-Year Fixed
6.375%
6.471%
0.500
The Golden 1 Credit Union
The Golden 1 Credit Union
15-Year Fixed
6.500%
6.500%
0.000
FirstBank of Nebraska
FirstBank of Nebraska
15-Year Fixed
6.500%
6.502%
0.000
Savings Bank of Danbury
Savings Bank of Danbury
15-Year Fixed
6.125%
6.523%
0.000
Fox Valley Savings Bank
Fox Valley Savings Bank
15-Year Fixed
6.375%
6.588%
0.000
Connections Bank
Connections Bank
30-Year Fixed
6.500%
6.620%
0.000
Ballston Spa National Bank
Ballston Spa National Bank
5/1 Adjustable
5.750%
6.622%
0.000
Fox Valley Savings Bank
Fox Valley Savings Bank
10-Year Fixed
6.375%
6.675%
0.000
WVS West View SB
WVS West View SB
30-Year Fixed
6.490%
6.683%
0.000
Geddes Federal S&L
Geddes Federal S&L
5-1 ARM
6.000%
6.691%
0.000
Ridgewood Savings Bank
Ridgewood Savings Bank
10-Year Fixed
6.500%
6.720%
0.000
The Bank of Glen Burnie
The Bank of Glen Burnie
15-Year Fixed
6.250%
6.730%
1.000
Rivertrust Federal Credit Union
Rivertrust Federal Credit Union
20 Year Fixed
6.750%
6.750%
0.000
Colonial Federal Savings Bank
Colonial Federal Savings Bank
15-Year Fixed
6.500%
6.760%
0.000
Fox Valley Savings Bank
Fox Valley Savings Bank
20-Year Fixed
6.625%
6.819%
0.000
Manasquan Bank
Manasquan Bank
5/6 ARM
6.750%
6.834%
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%
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power MasterCard
12.740% - 18.000%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Classroom Supply Visa
8.500%
1st Midamerica Credit Union
1st Midamerica Credit Union
Platinum
8.900%
Marcus Bank
Marcus Bank
GM Business™ Mastercard®
19.240% - 29.240%
0% Intro purchase APR for first 12 months
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Student Select Rewards Visa
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred Starter
17.990%
ACFCU
ACFCU
College Real Rewards Card Visa
19.740% - 29.740%
Earn 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back)6 and work towards building a strong financial future.
Abbey Credit Union
Abbey Credit Union
VISA® Gold
11.960%
Achieve Credit Union
Achieve Credit Union
Visa Platinum Credit Card
8.900%
No annual fee. No balance transfer fee. No cash advance fee.
Aaec Credit Union
Aaec Credit Union
VISA Credit Card
11.900%
No annual fee
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
Prime Platinum Visa Credit Card
11.500%
America First Federal Credit Union
America First Federal Credit Union
Platinum Low Rate VISA
12.240%
Low Rate Platinum Card
Vystar Credit Union
Vystar Credit Union
Platinum Visa
15.350%
1st Valley Credit Union
1st Valley Credit Union
Platinum Visa
8.750%
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Platinum
16.200%
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Select Visa
13.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Inspire Mastercard
13.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
Abri Credit Union
Abri Credit Union
Platinum Visa
12.400% - 21.400%
The right choice if you carry a monthly balance & want to pay the lowest rate.
1st Valley Credit Union
1st Valley Credit Union
Platinum Secured Visa
8.750%
1st Northern California Credit Union
1st Northern California Credit Union
Visa Premier
9.900%
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Cash Back
16.100%
The Golden 1 Credit Union
The Golden 1 Credit Union
Member Rate Advantage VISA
13.040% - 19.040%
No balance transfer fees or annual fees.
America First Federal Credit Union
America First Federal Credit Union
CLASSIC FLAT 1% CASH BACK VISA
18.000%
1% Cash Back Classic Card
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
14.850%
$0
37 - 60
Access Federal Credit Union
Access Federal Credit Union
Unsecured Loans
9.990%
$0
1 - 60
Access Federal Credit Union
Access Federal Credit Union
Consolidation Loans
13.060%
$0
1 - 36
Access Community Credit Union
Access Community Credit Union
Debt Consolidation
13.990%
$0
1 - 72
Aaec Credit Union
Aaec Credit Union
Bill Consolidation Loan
8.990%
$0
60
360 Federal Credit Union
360 Federal Credit Union
Signature LOC Revolving Credit Line
12.500%
$0 - $10,000
Advantage Credit Union Newtown, IA
Advantage Credit Union Newtown, IA
Personal Loans
14.200%
$5,000 - $8,000
48 - 48
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
Personal Lines of Credit
11.900% - 19.400%
$0
Vystar Credit Union
Vystar Credit Union
Personal Line of Credit
16.240%
$0
60
Alec Federal Credit Unon Federal Credit Union
Alec Federal Credit Unon Federal Credit Union
Refinanced Signature Loans
18.000%
$0
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
Personal Loan
8.990% - 18.000%
$0 - $30,000
72
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
Line of Credit Variable Rate
10.200% - 17.950%
$0 - $15,000
1 - 60
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
Open End Line-of-Credit
11.990%
$0
360 Federal Credit Union
360 Federal Credit Union
Term Line of Credit 84 months
8.000%
$0
Aaec Credit Union
Aaec Credit Union
Education (tuition bill required)
8.250%
$0
60
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
10.000%
$0
12 - 12
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Personal Loan
13.740%
$0
60
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Personal Loan
8.490%
$0
36 - 36
2 Rivers Area Credit Union
2 Rivers Area Credit Union
Signature Loan
10.000%
$0
60
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Overdraft Protection Loan
11.500% - 17.900%
$0 - $5,000
1st Cooperative Federal Credit Union
1st Cooperative Federal Credit Union
Personal Loan
10.990%
$0 - $10,000
60 - 60
ACMG Federal Credit Union
ACMG Federal Credit Union
Personal Loans
8.990%
$0
36
Access Community Credit Union
Access Community Credit Union
Personal Loans
11.990%
$0
1 - 12
ACFCU
ACFCU
Personal Loans
13.450%
$0
60
Vystar Credit Union
Vystar Credit Union
Personal Loans
10.000%
$0
1 - 36
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: 37
Part Time Employees: 5
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:
254,450,204
Total Amount of Shares and Deposits:
225,798,031
Total Shares and Deposits < 1 Year:
218,110,417
Total Shares and Deposits 1 3 Years:
5,343,410
Total Shares and Deposits > 3 Years:
2,344,204
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
10,686,981
Total Uninsured Shares and Deposits > $250K (F+J):
10,686,981
Total Insured Shares and Deposits > $250K (item 17 less item K):
215,111,050
Total Interest Expense (Sum of items 6 8):
752,438
Share Certificates:
922
Number of Accounts for Share Drafts:
15,437
IRA KEOGH Accounts:
474
Number of Accounts for Regular Shares:
25,542
Money Market Shares:
346
Net Income (unless the amount is already included in Undivided Earnings):
1,949,984
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
10,831,706
Total Liabilities:
234,585,082
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?:
Yes
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

Explore Other Rate Deals

Ally Bank  has consistently offered some of the best CD rates available for awhile now and the bank's current CD rates are no exception. Ally Bank offers certificate of deposit terms ranging as short as 3 months and as long as 60 months. In addition to Ally Bank's High Yield CDs the bank also offers a Raise Your Rate CD and a No Penalty CD.
As a teen you're probably in one of the most difficult periods of your life. For the first time in your life you're thinking about the future, where to go to college, where you want to live, what career path you want to choose the list is endless. One thing you're probably not thinking about is saving money for the future. The sooner you start the better off you'll be.

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Access Federal Credit Union Reviews

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