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

Introduction

At Access, we believe in building strong financial foundations for our community. Located at 230 S James St, Rome, NY 13440, our branch has been serving members since 1947. With a commitment to personal service and community support, we have grown to welcome over 23,000 members into our family. Our financial strength is reflected in our impressive total assets of $265,422,047 and total deposits amounting to $18,549,721. With a net worth of $25,491,278, we ensure that your funds are secure and ready to help you achieve your goals. We understand the importance of having access to reliable financial services; that's why we offer a range of options from checking and savings accounts to auto loans and mortgages. Under the leadership of our CEO, Thomas Owens, and Board President, S. Leo Angelicola, our dedicated team of 49 employees is here to assist you every step of the way. Whether you're looking for guidance on personal loans or business banking services, we're prepared to meet your needs with care and expertise. While members can visit us at 230 S James St, official correspondence should be sent to the same address. Feel free to reach out by phone at 315-339-3000 or send a fax to 315-557-1004. At Access, we are not just about numbers; we are about people your neighbors and friends working together towards a brighter financial future. Come visit us or explore our website at www.accessfcu.org to learn more about how we can help you thrive in today's financial landscape!

Branch History & Mission

Access Credit Union, located at 230 S James St in Rome, NY, has a proud history that dates back to its founding in 1947. Over the years, we have grown and evolved alongside our community, expanding our services and building lasting relationships. Today, we proudly serve over 23,000 members and boast total assets of $265,422,047. From our humble beginnings, Access has always focused on providing exceptional financial services tailored to the needs of our members. Our mission is clear: we aim to empower our community through accessible banking solutions while fostering a spirit of cooperation and support. We believe that everyone deserves a chance to thrive financially, and we're dedicated to helping individuals and families achieve their goals. While members can visit us at our main branch address in Rome, official correspondence should be sent to the same location: 230 S James St, Rome, NY 13440. You can reach us at 315-339-3000 during our operating hours for assistance with your banking needs. Access offers a variety of services including personal checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. We understand that convenience is key in today's fast-paced world; that's why we provide online banking options and mobile payments to make managing your finances easier than ever. Our commitment to the community extends beyond just financial services. We actively participate in local outreach programs and partnerships that aim to uplift those around us. Whether it's sponsoring events or providing educational resources on financial literacy, Access is dedicated to making a positive impact in Rome and beyond. With an ATM available on-site and drive-thru banking for quick transactions, we strive to offer convenience without sacrificing personal service. Our team is always ready to assist you with any questions or concerns you may have. Join us at Access Credit Union as we continue this journey together! Experience firsthand the benefits of membership where your financial well-being is our priority. Visit us today or explore more about what we offer by checking out our website at accessfcu.org. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Access, your friendly credit union located at 230 S James St in the heart of Rome, NY. Our branch is conveniently situated near local landmarks, making it easy for you to drop by and take care of your banking needs. Whether you're heading to the nearby Rome Free Academy or enjoying a day at the historic Fort Stanwix National Monument, you'll find us just a stone's throw away. At Access, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us with ease. Parking is available right outside our doors, making it simple to pop in whether you're using our drive-thru service or coming inside for a more personalized experience. Our operating hours are designed with your convenience in mind. We invite you to visit us during our hours of operation as listed on our website. Need assistance? Don't hesitate to give us a call at 315-339-3000; we're here to help! In addition to standard banking services like checking and savings accounts, we offer a variety of loan options including auto loans and mortgages, along with credit cards that come with rewards. Plus, we have an ATM on-site for quick cash withdrawals and balance checks whenever you need them. While members can visit us at 230 S James St, official correspondence should be sent to the same address. We look forward to welcoming you soon! Come by or call today and see how we can assist you on your financial journey.

Member Eligibility

At Access, we believe that everyone deserves to be part of a caring community, and becoming a member is simple and welcoming. If you live, work, worship, or attend school in the Rome area, you're likely eligible to join us! We pride ourselves on being inclusive, so whether you're new to banking or looking for better financial options, our doors are open for you. Plus, as a member of Access, you gain access to a variety of benefits like competitive rates on loans and savings accounts, personalized service, and community-focused initiatives. To start your journey with us, simply visit our location at 230 S James St Rome Ny 13440 or give us a call at (315) 339-3000. For more detailed information about eligibility criteria. When you're ready to open an account, the process is straightforward; just head over to https://app.loanspq.com/apply.aspx?lenderref=accessfcu09252020&list=xasa1s2s1b2bst and take the first step towards joining our family!

Business Banking & Commercial Services

Commercial 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.

Merchant Services

In addition to loans, we offer merchant services designed to simplify payment processing for your business. Imagine a busy Saturday morning at your café customers are lining up for their favorite drinks. With our efficient payment solutions, you can accept payments quickly and securely, allowing you to focus on what matters most: serving your customers. Choosing Access means partnering with a financial institution that genuinely cares about the growth of your business. Whether you need financing or reliable merchant services, we're here to support you every step of the way!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash? Our branch features an ATM for quick withdrawals and balance checks, plus a convenient drive-thru banking option for deposits and simple transactions without leaving your car. At Access in Rome, NY, we strive to create a welcoming environment where every member feels valued. If you're interested in learning more about any of these services or want assistance opening an account, don't hesitate to reach out! Call us at 315-339-3000, visit us at our branch address (230 S James St), or explore our website at Access FCU today! Your financial journey starts here!

Business Banking Solutions

For entrepreneurs and business owners, Access offers tailored business banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is here to support your growth with customized financial solutions.

Credit Cards & Rewards

Don't forget about our credit cards with rewards! These cards not only offer convenience for purchases but also allow you to earn points redeemable for travel, merchandise, or even cash back. It's an easy way to make your spending work for you.

Online & Mobile Banking

We understand that convenience is key in today's fast-paced world. That's why we provide robust online and mobile banking platforms that let you manage your finances anytime, anywhere. You can check balances, transfer funds, and pay bills all from the palm of your hand.

Personal Banking Services

Our personal banking offerings include checking and savings accounts that help you manage your money efficiently. Imagine having a checking account that not only simplifies your daily transactions but also offers features like online bill pay and mobile access. With our savings accounts, you can watch your funds grow with competitive interest rates, making it easier to save for that vacation or new home. If you're considering purchasing a new vehicle or refinancing your current one, our auto loans and vehicle financing options can help you hit the road without breaking the bank. Picture driving off in your dream car while enjoying flexible repayment terms designed around your budget. When it comes to homeownership, we offer mortgage loans and refinancing solutions that cater to first-time buyers and seasoned homeowners alike. Our knowledgeable staff will guide you through the mortgage process, ensuring you find the right loan product for your circumstances. For those unexpected expenses or projects around the house, our personal loans and debt consolidation services provide quick access to cash when you need it most. It's about getting back on track financially with manageable payments.

Digital & Online Banking

Key Features

Our online banking allows you to monitor your accounts 24/7, so you're always in control of your finances. You can view balances, track transactions, and transfer funds with just a few clicks. Plus, our electronic signature authorization makes it simple to sign documents securely from the comfort of your home. For those who prefer paperless options, we offer e-statements. This feature not only helps you keep track of your financial activities but also reduces clutter and is environmentally friendly.

Mobile Banking Convenience

Stay connected on-the-go with our mobile application. Whether you're at home or out and about, our app provides easy access to all your banking needs right from your smartphone. And if you're looking to make purchases more convenient, our mobile payments feature lets you pay quickly and securely using your phone. Although we don't currently support person-to-person transfers, we believe that our other features provide comprehensive support for your banking needs. In summary, Access is committed to providing accessible, secure, and efficient digital banking solutions that empower you to manage your finances effortlessly. Visit us today at https://www.accessfcu.org/home/home to explore all the ways we can help you bank better!

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 lending capacity supports your financial goals with $1,853 in used auto loans and $149,908,546 in total loans and leases.

Member Savings and Investments

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. 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.

Member Trust

Total Share and Deposit Accounts: 43,768, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 230 S James St Rome Ny 13440 or call (315) 339-3000 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Operational Efficiency

Our operations are efficient, as shown by our $1,075,915, which enables 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.

Our Financial Health

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, with over $24,259,221 in used vehicle loans and $33,078,332 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles to ensure you can find the right fit for your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $16,669,704 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, we are here to support your business ambitions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,526,634, make buying or refinancing simple. We guide you through every step of the process so you can focus on what matters most your new home.

Refinancing Options

If you're considering refinancing any existing debts or loans, Access offers options that can help reduce your monthly payments and save on interest over time. Speak with one of our representatives today to explore eligibility options that could benefit you. At Access located at 230 S James St, Rome NY 13440, we pride ourselves on providing personalized service that meets the unique needs of each member. If you have questions about any of our loan products or want assistance with your application process, please don't hesitate to reach out at 315-339-3000. 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 us online at Access FCU to learn more about how we can assist you!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,941,809 in loans helping members manage their finances effectively. These cards are great for building your credit while enjoying the convenience of easy access to funds when you need them.

Loan Aggregator

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