Access Federal Credit Union Rates and Review February 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.
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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 money market rates and other rates available.Have you opened an account or have any experiences at Access Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Access Federal Credit Union Texas RatioAccess Federal Credit Union's Texas Ratio is at 2.38%, which is considered excellent. The Texas Ratio for Access Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Access Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Access Federal 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 Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Access Federal Credit Union
Clinton Office 6 Franklin Ave
Clinton, NY 13323 
Access Federal Credit Union CD Rates
Access Federal Credit Union Savings Rates
Access Federal Credit Union Money Market Rates
Access Federal Credit Union Checking Rates
Access Federal Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Access Federal 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 Federal 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 Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Access Federal Credit Union
Website: https://www.accessfcu.org
Full Time Employees: 42Part Time Employees: 7 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 FinancialsTotal Assets:
301,243,131
Total Amount of Shares and Deposits:
271,411,102
Total Shares and Deposits < 1 Year:
261,964,871
Total Shares and Deposits 1 3 Years:
8,410,806
Total Shares and Deposits > 3 Years:
1,035,424
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
16,729,803
Total Uninsured Shares and Deposits > $250K (F+J):
16,729,803
Total Insured Shares and Deposits > $250K (item 17 less item K):
254,681,299
Total Interest Expense (Sum of items 6 8):
2,329,471
Share Certificates:
1,889
Number of Accounts for Share Drafts:
16,202
IRA KEOGH Accounts:
410
Number of Accounts for Regular Shares:
25,593
Money Market Shares:
400
Net Income (unless the amount is already included in Undivided Earnings):
2,768,723
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
36,344,909
Total Liabilities:
273,672,075
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsqDkF
December 17, 2025
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Frequently Asked Questions About Access Federal Credit UnionIs a member application needed to join Access Federal Credit Union?Yes, to access services at Access Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Access Federal Credit Union provides a range of mortgage and home equity products. Is Access Federal Credit Union a safe place to deposit money?Yes, Access Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Access Federal Credit Union offer online and mobile banking?Most modern institutions like Access Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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You can compare Access Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.65%, 6-month share certificate rates at 3.05% and 3-month share certificate rates at 2.70%. Savings rates are at 0.45% and money market rates are at 0.35%. Mortgage rates on 30-year fixed loans are around 6.24%. All these rates, and more, can be found in our database of rates which you can compare to 
