Affordable Vehicle Loans & Business Banking | Access Clinton NY Credit Union

Introduction

Welcome to Access Credit Union! Nestled in the heart of Clinton, NY, at 6 Franklin Ave, our branch has been serving the community since 1947. With a strong commitment to our members, we are proud to have grown into a trusted financial partner for over 23,000 individuals and families. At Access, we believe that banking should be personal. Our friendly team, led by CEO Thomas Owens and Board President S. Leo Angelicola, is dedicated to providing you with exceptional service and tailored financial solutions. Whether you're looking for a new auto loan, opening a savings account, or seeking business banking services, we have the right products to help you achieve your financial goals. Our total assets exceed $265 million, showcasing our stability and dedication to your financial well-being. We manage over $18 million in deposits and offer an impressive array of loans totaling 8,409 across various categories. Furthermore, our net worth stands strong at $25 million, ensuring that your money is safe with us. While members can visit us at our Clinton location for all their banking needs, official correspondence should be sent to the same address: 6 Franklin Ave, Clinton, NY 13323. For any inquiries or assistance, feel free to give us a call at 315-557-1000, where our knowledgeable staff is ready to help. Experience the difference with Access Credit Union your community bank focused on building relationships that last. Join us today and discover how we can support your financial journey! Visit us online at www.accessfcu.org or stop by our branch; we look forward to welcoming you!

Branch History & Mission

Our Mission

At Access, our mission is simple yet impactful: to empower our members through exceptional financial services while fostering a spirit of community support. We believe in putting people first offering personal banking options such as checking and savings accounts, auto loans, mortgages, and business banking solutions. Our goal is not just to be your financial institution but also your partner in achieving financial wellness. We pride ourselves on being accessible and inclusive. We are committed to providing ADA-compliant facilities and digital advancements like online banking and mobile payments that make managing finances easier than ever. In addition to our financial services, we actively engage in community outreach efforts. Through partnerships with local organizations and initiatives, we aim to uplift those around us and create opportunities for everyone.

Visit Us

Members can visit us at our branch address: 6 Franklin Ave, Clinton, NY 13323. For any official correspondence, please send mail to PO Box 308, Clinton, NY 13323 if different from our physical address. Our operating hours are designed with your convenience in mind: Monday through Friday from 9 AM to 5 PM. We offer both drive-thru banking and ATM access for quick transactions. Join Access today! Experience the benefits of membership where you're not just another number; you're part of a family dedicated to serving you. Call us at 315-557-1000 or visit our website at Access FCU to learn more about how we can help you achieve your financial goals. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

At Access, we prioritize your convenience and comfort. Our branch features ADA-compliant entryways and ramps, ensuring that everyone can access our services with ease. Parking is available nearby, making it simple for you to stop by anytime during our business hours.

Operating Hours and Services

We're open Monday through Friday from 9 AM to 5 PM, ready to assist you with personal banking needs like checking and savings accounts, auto loans, mortgage options, and more. Whether you're looking to consolidate debt or explore credit card rewards, our friendly staff is here to help every step of the way. In addition to traditional banking services, we offer ATM access for quick cash withdrawals and balance checks. Our drive-thru service allows you to complete simple transactions without leaving your vehicle perfect for those busy days! If you have any questions or need assistance, don't hesitate to give us a call at 315-557-1000. We invite you to visit us soon at Access Credit Union; we look forward to helping you achieve your financial dreams!

Member Eligibility

Joining the family at Access is an exciting step toward a brighter financial future! To become a member, you simply need to meet some friendly eligibility requirements that are designed to welcome you into our community. If you live, work, worship, or attend school in the Clinton area, you're already on your way! We believe in creating opportunities for everyone, so whether you're just starting out or looking to expand your financial options, we have something for you. The process of opening an account is straightforward and can be completed online. Just visit our website for more details on how to start your journey with us at 6 Franklin Ave Clinton Ny 13323. If you have any questions or need assistance, don't hesitate to give us a call at (315) 557-1000. For further information about eligibility criteria and updates, check out this resource. We can't wait to welcome you into the Access community!

Business Banking & Commercial Services

Practical Merchant Services

Imagine running your business without worrying about payment processing. Our merchant services simplify transactions, ensuring you get paid quickly and efficiently. From credit card processing to online payment solutions, we equip you with tools that help streamline your operations. Located at 6 Franklin Ave, Clinton, NY 13323, we invite you to explore how Access can empower your business journey. For more information or assistance, call us at 315-557-1000. Let's work together to achieve your goals!

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. - With an outstanding commercial loan portfolio of $16,669,704, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer comprehensive Business Banking services, including merchant services that help streamline payment processes and business loans tailored to support your growth. We know how vital it is for businesses to have access to the right resources, and we're here to help you succeed.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features, allowing you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and pay bills with just a few taps on your phone. And if you prefer cash transactions, our ATM & Cash Withdrawal Services are available for quick access to your funds.

Easy Access with Drive-Thru and ATM Services

For those who appreciate traditional banking methods, our branch features basic drive-thru banking services for deposits and withdrawals. Additionally, our ATMs offer easy access for balance checks and cash withdrawals without stepping inside the branch. No matter what financial service you need, Access is here for you. Our friendly team is ready to assist you with any questions or concerns you may have. Feel free to reach out at (315) 557-1000, or visit us at our branch location in Clinton, NY. Explore all that we have to offer by visiting our website at Clinton Office, and discover how we can help you achieve your financial goals today!

Financial Support When You Need It

Sometimes life brings unexpected expenses, and having a reliable source of funds can make all the difference. Our Personal Loans & Debt Consolidation services are here for you when you need extra cash or want to simplify your payments. Plus, if you're looking for rewards on your spending, our Credit Cards with Rewards allow you to earn benefits while making everyday purchases.

Personal Banking Options

We understand that managing your finances can be challenging. That's why we offer various Personal Banking services, including checking and savings accounts that help you manage daily expenses and save for the future. If you're looking to buy a new car, our Auto Loans & Vehicle Financing options can help you hit the road without breaking the bank. For those planning to purchase a home, our Mortgage Loans & Refinancing services provide competitive rates tailored to your financial situation.

Digital & Online Banking

Easy Money Transfers

While we currently do not offer person-to-person transfers, our other features ensure that managing your money is still simple and efficient. You can transfer funds between your own accounts or set up payments quickly through our online platform. At Access, we believe banking should be easy and secure, which is why our digital services are designed with you in mind. Embrace a modern way to handle your finances today!

Mobile Banking on the Go

For those who are always on the move, our mobile application offers even more flexibility. You can make mobile payments with ease and manage your accounts right from your smartphone. Whether you're out shopping or simply enjoying a day out, you can stay connected to your finances.

Online Banking Services

With our 24/7 online banking services available at https://www.accessfcu.org/home/home, you can access your accounts anytime, anywhere. This means you can check your balances, transfer funds, and pay bills without having to visit a branch. Plus, our user-friendly interface makes it easy for everyone, whether you're tech-savvy or just getting started with online banking.

Secure Transactions

Security is our top priority. Our electronic signature authorization feature allows you to sign documents safely from the comfort of your home. You won't have to worry about lost paperwork or unnecessary trips to the bank. And if you prefer going paperless, our e-statements are readily available for you. They not only save trees but also keep your financial information secure and easily accessible.

Financial Strength

Commitment to Growth and Innovation

Our $22,963,096 in undivided earnings allows us to reinvest in innovative banking tools and stronger lending options to serve you better. With $18,529,221 in used auto loans and a total of $149,908,546 in loans and leases, we support your financial goals across various sectors.

Growing Membership Base

Our total share accounts stand at 43,768, showcasing a strong and growing member base that trusts us with their finances. This trust is built upon our unwavering commitment to provide exceptional service while maintaining a healthy balance sheet. In conclusion, 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 6 Franklin Ave or call us at 315-557-1000 to learn more about how we can help you achieve your financial goals.

Member-Centric Approach

At Access, we prioritize our members. Our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. We currently hold $40,675,210 in share certificates and $13,610,859 in money market shares, offering stable and rewarding financial growth opportunities. This commitment to your financial well-being is reflected in our focus on member needs over non-member deposits.

Operational Efficiency

Our operational efficiency is evident through our impressive net income of $2,423,094, 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 and committed team.

Strong Financial Foundations

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 960% 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

At Access, located at 6 Franklin Ave, Clinton, NY 13323, we understand that financial needs come in all shapes and sizes. Whether you're considering a new vehicle, buying your first home, or looking for a way to manage your expenses, our diverse loan offerings are designed to help you achieve your goals. With over 8409 loans issued, we've helped thousands of members achieve their financial aspirations. Our auto loans stand out as some of the best in the industry. Looking to buy a new car? Our auto loans offer competitive rates with over $33,078,332 in new vehicle loans and $24,259,221 in used vehicle loans already helping members get on the road. Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $9,526,634, making it easy to buy or refinance your home. For business owners looking to expand, we provide outstanding commercial loans totaling $16,669,704, offering the capital needed to grow your business. Additionally, we offer flexible terms on unsecured credit card loans. With a total of $1,941,809 in unsecured credit card loans available, our members can manage their finances effectively without the burden of high-interest rates. We also understand that refinancing can be an option worth exploring. If you're interested in lowering your monthly payments or accessing equity from your existing loan products, don't hesitate to reach out to us for more details. If you have any questions or want to start your application process today, give us a call at 315-557-1000. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Access help you pave the way to financial success!

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