Low Mortgage Rates & Quick Auto Loans | Access Camden NY Credit Union

Introduction

Welcome to Access at our Camden Office, located at 74 Main St, Camden, NY 13316. Since our establishment in 1947, we've proudly served our community, fostering strong financial relationships and enhancing the lives of over 23,000 members. As a trusted credit union with total assets of $265,422,047, we are dedicated to providing personalized financial solutions tailored to meet your needs. At Access, we believe that banking should be more than just transactions; it should empower you to achieve your goals. With a committed team of 49 employees led by our CEO, Thomas Owens, and Board President, S. Leo Angelicola, we strive to create an environment where our members feel valued and supported. Whether you are looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgage financing, we're here for you. Our financial strength is evident with total deposits amounting to $18,549,721 and a net worth of $25,491,278. We also maintain a solid cash reserve of $2,020,216 to ensure that we can meet your needs promptly. Our range of services includes not only personal loans but also business banking solutions designed to help local entrepreneurs thrive. While members can visit us at our branch in Camden for all their banking needs, official correspondence should be sent to the same address: 74 Main St, Camden, NY 13316. We encourage you to reach out at 315-245-2148 for any questions or assistance. Join us today and discover how Access can help you navigate your financial journey with confidence! Visit us online at Access FCU or stop by our branch we look forward to serving you!

Branch History & Mission

Welcome to Access, a credit union deeply rooted in the heart of Camden, NY. Since opening our doors in 1947, we have proudly served our community and built a legacy of trust and support. Our branch is conveniently located at 74 Main St, Camden, NY 13316, making it easy for our members to access the financial services they need. With a commitment to fostering strong relationships and providing personalized service, we've grown from a small organization into a thriving community partner with over 23,000 members and total assets amounting to $265,422,047. Our mission is simple yet powerful: to enhance the financial well-being of our members while supporting the community around us. We believe in offering not just financial products but also solutions that empower individuals and families to achieve their goals. Whether it's through personal banking services like checking and savings accounts or loans for vehicles and homes, we aim to provide resources that align with the needs of our diverse membership. At Access, we take pride in being more than just a financial institution. We are dedicated to community outreach and engagement initiatives that make a real difference. Our partnerships with local organizations help us address pressing needs within Camden and surrounding areas. This commitment reflects our belief that when one member succeeds, we all succeed. As technology continues to shape how we bank, we've embraced digital advancements to better serve you. Our online banking platform allows members to manage their accounts from anywhere at any time. We also offer mobile payments for added convenience and electronic signatures for a quicker account setup process. Importantly, we're committed to ensuring that everyone can access our services comfortably and easily. For those who prefer face-to-face interactions, we welcome you during our operating hours: Monday through Friday from 8:30 AM to 5:00 PM. Although we do not currently offer drive-thru banking, our friendly staff is here to assist you inside our branch. If you need assistance or have questions about your membership with us, don't hesitate to reach out at 315-245-2148. We're here to help! While members can visit us at 74 Main St for all banking needs, official correspondence should be sent to the same address. Join us at Access today and experience the benefits of being part of a credit union that prioritizes your financial health and community connection!

Branch Location & Accessibility

Convenient Access and Services

At Access, we understand that accessibility is key. Our branch features ADA-compliant entry points and ample parking space, ensuring that everyone can visit us with ease. While you're here, you can enjoy the convenience of our ATM services available right on-site for quick cash withdrawals and balance checks. We invite you to experience our welcoming lobby from Monday through Friday between 8:30 AM and 5:00 PM. Unfortunately, we currently do not offer drive-thru banking; however, our friendly staff is always ready to assist you inside the branch. If you need to send us official correspondence, please note that while members can visit us at our physical address, mail should be directed to the same address: 74 Main St, Camden, NY 13316.

Get in Touch

For any inquiries or assistance, feel free to call us at 315-245-2148. We are here to help with a range of services including personal banking options like checking and savings accounts, auto loans, mortgages, and much more. We look forward to serving you soon! Stop by today and discover how Access Credit Union can help meet your financial goals.

Member Eligibility

At Access, we believe that everyone deserves a place in our friendly community, and becoming a member is a simple and welcoming process. If you live, work, worship, or attend school in the Camden area, you're already eligible to join us! Our membership is open to individuals who share our commitment to community support and financial well-being. By choosing Access, you gain access to personalized banking services, competitive loan rates, and a supportive environment focused on your financial goals. Ready to take the next step? Opening an account with us is easy! You can find all the details on how to start your journey at https://app.loanspq.com/apply.aspx?lenderref=accessfcu09252020&list=xasa1s2s1b2bst. If you have any questions or need assistance, feel free to reach out at (315) 245-2148. We invite you to explore more about our eligibility criteria for the most up-to-date information. Join us today at our Camden branch located at 74 Main St Camden Ny 13316, and let's grow together!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we provide merchant services designed to simplify payment processing for your business. Whether you're running a retail store or a food truck, our services help you accept payments easily and securely. Picture this: a busy Saturday at your café where every second counts; with our streamlined merchant services, you can focus on serving your customers while we handle the transactions smoothly. With an outstanding commercial loan portfolio of $16,669,704, we continue to drive economic growth by financing new and expanding businesses in Camden and beyond. Contact us today at 315-245-2148 or visit us at 74 Main St Camden Ny 13316 to learn how we can support your business dreams!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $298 in commercial loans for our members, helping businesses scale and succeed. This means that local entrepreneurs have the funding they need to expand operations, hire more staff, or invest in new technology. Imagine a small bakery wanting to renovate its space to attract more customers. With our member commercial loans, that dream can become a reality.

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer comprehensive Business Banking solutions that include Merchant Services & Business Loans. These services are designed to help local businesses thrive by providing the necessary financial support.

Commitment to Service

At Access, we pride ourselves on being more than just a financial institution; we are part of your community. Our friendly staff is here to assist you with any questions or concerns you may have about your accounts or services. Whether you're starting your first savings account or seeking financing for a new vehicle, remember that we're here for you. If you'd like more information about our services or want to open an account today, don't hesitate to give us a call at 315-245-2148 or visit our website at www.accessfcu.org. Join us and experience financial services designed with your needs in mind!

Credit Cards and Rewards

We know how important it is to earn rewards while spending. That's why our Credit Cards with Rewards program allows you to earn points on everyday purchases that can be redeemed for exciting rewards or cashback.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. With our user-friendly mobile app, you can check balances, transfer funds, and even deposit checks without ever visiting a branch. Plus, our ATM & Cash Withdrawal Services are available for when you need cash quickly; we have ATMs equipped for basic transactions like withdrawals and balance checks.

Personal Banking

When it comes to personal banking, we offer various options to help you manage your finances effectively. From Checking & Savings Accounts that allow you to easily track your spending and save for future goals, to Auto Loans & Vehicle Financing designed for those ready to hit the road in a new or used car, we've got you covered. Perhaps you're looking for a place to call home? Our Mortgage Loans & Refinancing options can make that dream a reality. And if life throws unexpected expenses your way, consider our Personal Loans & Debt Consolidation services to help you regain control.

Digital & Online Banking

Key Features

Our online banking services empower you to check balances, pay bills, and transfer funds with just a few clicks. You can also sign documents electronically thanks to our electronic signature authorization feature, making the process smoother and more efficient. Plus, if you prefer paperless options, we provide e-statements that allow you to view your account statements online instead of waiting for them in the mail. For those on the go, our mobile application is available to help you manage your finances right from your smartphone. With mobile payments enabled, making purchases has never been easier you can pay securely without needing to carry cash or cards. Although person-to-person transfers aren't available at this time, rest assured that we are constantly looking for ways to enhance our services.

Security and Accessibility

Your security is our top priority. Our online banking platform employs robust security measures to keep your information safe while providing a user-friendly experience. Whether you're at home or out running errands, accessing your accounts is simple and straightforward. In today's fast-paced world, having real-time access to your finances is essential. With Access, you can rest easy knowing that managing your money is just a click away. Experience the convenience of modern banking by visiting us online today!

Financial Strength

Commitment to Growth

With $22,963,096 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity for lending is evident with $1,853 in used auto loans and $149,908,546 in total loans and leases supporting your financial goals across various sectors.

Growing Member Base

Total Share and Deposit Accounts: 43,768, show a strong and growing member base that trusts us with their finances. As your trusted partner in achieving your financial goals, we invite you to explore all that Access has to offer. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Access is your trusted partner. Visit us at 74 Main St Camden Ny 13316 or call (315) 245-2148 to learn more about how we can help you achieve your financial goals.

Member-Focused Resources

Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. This approach helps us maintain our dedication to serving our community first.

Operational Efficiency

Our $1,075,915 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 41 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $40,675,210 in share certificates and $13,610,859 in money market shares, offering stable and rewarding financial growth opportunities. This focus on secure savings reflects our commitment to helping you grow your wealth safely.

Strong Capital Foundation

With a net worth of $25,491,278, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.60% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $24,259,221 in used vehicle loans and $33,078,332 in new vehicle loans, helping members get on the road with confidence. Whether you're purchasing a brand-new model or a reliable used car, we can assist you with financing options that fit your budget.

Commercial Loans

For business owners looking to grow and expand their operations, our outstanding commercial loans totaling $16,669,704 provide the capital needed to take your business to the next level. Whether it's for equipment purchases or operational costs, we are here to support your entrepreneurial journey.

Conclusion

At Access in Camden, NY (74 Main St), our goal is to make financing accessible and straightforward for everyone. For any questions about our loan offerings or to find out more about refinancing options available to you, please don't hesitate to reach out at 315-245-2148. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Visit our website at Access FCU for more details or apply online today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and straightforward. We provide Junior Lien 1-4 Family Residential Properties loans totaling $9,526,634, giving you access to financing solutions tailored for your needs. If you're considering refinancing your current mortgage, ask us about eligibility options that could save you money.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $1,941,809 in these loans helping members manage their finances effectively, our credit card products can provide you with the purchasing power you need without tying up collateral.

Loan Aggregator

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