Access Federal Credit Union

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A short history of Access FCU

Since its inception in 1947 the Access Federal Credit Union has been serving its members in the CLINTON, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Thomas Owens, the Access FCU has grown its membership to over 21,595 with assets of more than $170,438,289. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (315) 557-1000 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in CLINTON, NY.

General Information For Access FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 5579
Address 6 FRANKLIN AVE, PO BOX 308 
State New York 
Zip-Code 13323
Phone Number (315) 557-1000
Fax Number (315) 557-1004
Email Address:
CEO/President Thomas Owens
Members 21,595 
Full-Time Employees 33 
Part-Time Employees 17 
Number of Branch Offices
Total Assets 170,438,289 

Compare Access Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
G.p.o. CU GPO Federal Credit Union 4311 Middle Settlement Rd 13413 (315) 724-1654 No 2.05
Special Metals CU Main Office 4317 Middle Settlement Rd 13413 (315) 797-3575 No 2.36
First Source CU First Source Federal Credit Union 4451 Commercial Dr 13413 (315) 735-8571 No 3.29
Umico CU New Hartford 180 Genesee St 13413 (315) 734-2139 No 3.70
Utica Gas & Electric Emp CU Main 215 Old Campion Rd 13413 (315) 733-1596 No 4.23

Access Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Access Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 2.74 2.74 4.13 2.99
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 113 70 159 25
Rank Among All New York Credit Unions 41 48 24 58 8

Access Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.25 0.40 0.70 0.70
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 95 76 224 199
Rank Among All New York Credit Unions N/A 25 18 54 50
Access Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9002,6622,385,013
All Other Unsecured Loans/Lines of Credit 9.9901,1532,329,743
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.74071313,306,090
Used Vehicle Loans 2.7401,37712,320,041
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.13019021,433,321
Total Other Real Estate Loans/Lines of Credit 2.99065128,224,036
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 3.9901,58917,115,940
TOTAL LOANS & LEASES 8,33597,114,184

Access Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 334,474,685182,560,670
    b. 15 Years or less 495,066,153101,320,779
    a. > 15 years 0000
    b. 15 Years or less 729,019,7616651,000
Other Fixed Rate 9553,74900
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 272,318,97300


Closed-End Fixed Rate 2216,557,740332,140,077
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 43021,666,296402,714,410
Open-End Fixed Rate 0000
TOTALS 84149,657,3571079,386,936


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 36218,985,5282,714,410
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Access Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes