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

Introduction

Welcome to Access Credit Union, your trusted financial partner located at 74 Main St, Camden, NY 13316. Since our establishment in 1947, we have proudly served our community, fostering a sense of belonging and financial empowerment for over 23,000 members. With total assets of $265,422,047 and a strong commitment to member satisfaction, we offer a wide range of services tailored to meet your unique needs. At Access Credit Union, we understand that financial decisions can be daunting. That's why our dedicated team of 49 employees, led by CEO Thomas Owens and Board President S. Leo Angelicola, is here to guide you every step of the way. Our focus is not just on numbers; it's about building relationships and making a positive impact in the lives of our members. Whether you're looking to open a new checking account, apply for an auto loan, or explore mortgage options, we've got you covered. Our comprehensive suite of products includes personal banking, vehicle financing, credit cards with rewards, and business banking solutions. With total loans exceeding 8,409, we are here to help you achieve your financial goals. For your convenience, we invite you to visit us at our Camden branch or connect with us online at accessfcu.org. If you prefer direct communication, feel free to call us at 315-245-2148. Remember, while members can visit us at our physical location, official correspondence should be sent to the same address: 74 Main St, Camden, NY 13316. Join us as we continue to grow together and make strides towards a more secure financial future. Your journey starts here at Access Credit Union!

Branch History & Mission

The story of Access in Camden, NY, is one of commitment and community. Since opening its doors in 1947, this branch has been a cornerstone for the people it serves. Located at 74 Main St, Camden, NY 13316, Access has grown alongside the community, providing financial services that cater to the diverse needs of its 23,080 members. Over the years, Access has achieved significant milestones. With total assets now reaching an impressive $265,422,047, it stands as a testament to sound management and community trust. The branch operates under the mission of empowering individuals and families by offering accessible financial solutions while fostering a sense of belonging and support. This mission drives everything they do from personal banking services like checking and savings accounts to auto loans and mortgage refinancing. Access believes in not just serving its members but enriching their lives through partnerships and outreach efforts. By engaging with local organizations and supporting various community initiatives, Access demonstrates its commitment to making Camden a better place to live and work. While members can visit us at 74 Main St, official correspondence should be sent to the same address since it also serves as our mailing address. The branch operates on weekdays from 8:30 AM to 5:00 PM, ensuring that help is available when it's needed most. In addition to traditional banking services, Access embraces modern technology with features like online banking and mobile payments. They are dedicated to ADA compliance, ensuring that all members can easily access services. Currently, there is an ATM available for convenient cash withdrawal. As Access continues to evolve with the changing needs of its community, they invite you to join their family. Experience personalized service that truly understands your financial goals. Contact them today at 315-245-2148 or visit their website at accessfcu.org to learn more about how Access can be your trusted partner in financial wellness!

Branch Location & Accessibility

Convenient Access

At Access Credit Union, we understand that accessibility matters. Our branch features ADA-compliant entrances and ample parking to ensure everyone can easily access our services. Plus, with our ATM available on-site, you can manage your cash without any hassle.

Nearby Landmarks

Located near popular spots in Camden, such as local shops and eateries, our branch is a convenient stop for both residents and visitors alike. While members can visit us at 74 Main St, official correspondence should be sent to the same address for ease.

Operating Hours

We are open Monday through Friday from 8:30 AM to 5:00 PM, providing you with plenty of time during the week to visit us. If you have any questions or need assistance outside of these hours, feel free to give us a call at (315) 245-2148; our friendly staff is always ready to help!

Services Offered

At Access Credit Union, we offer a range of services tailored just for you. From personal banking solutions like checking and savings accounts to auto loans and credit cards with rewards, we have everything you need under one roof. Plus, our online and mobile banking options let you manage your finances anytime, anywhere. We invite you to come by our Camden branch today! Whether you're a long-time member or new to our community, we're excited to assist you with all your banking needs. Don't hesitate stop in or call us at (315) 245-2148!

Member Eligibility

At Access, we believe that becoming a member is like joining a close-knit family where everyone looks out for each other. If you're looking to experience the benefits of being part of our community, it's easy! Membership is open to anyone who lives, works, or worships in the Camden area, as well as their immediate family members. This means that if you call Camden home or have ties to our vibrant community, you're already on your way to enjoying all the perks we offer. Joining us at Access not only gives you access to a variety of financial products and services but also connects you with a supportive network dedicated to helping you achieve your financial goals. Ready to get started? Opening an account is straightforward; just visit us at 74 Main St Camden Ny 13316, or check out the details on how to apply online at https://app.loanspq.com/apply.aspx?lenderref=accessfcu09252020&list=xasa1s2s1b2bst. For any questions, feel free to give us a call at (315) 245-2148. To learn more about eligibility, you can also explore further at . We can't wait to welcome you into our community!

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 today's fast-paced world, having the right tools can make all the difference. Our merchant services simplify transactions so you can focus on what you do best running your business. Imagine providing your customers with easy payment options while keeping track of sales effortlessly. That's the real-world benefit of partnering with us at Access. If you're ready to take your business to the next level, visit us at 74 Main St Camden Ny 13316 or call us at (315) 245-2148 today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our network includes ATM services that allow for easy withdrawals and balance checks without hassle. At Access, we strive to make banking accessible and personalized for all our members in the community. Whether you need assistance choosing the right service or want more information about any of our offerings, don't hesitate to reach out at (315) 245-2148 or visit us online at Camden Office. Experience financial services designed just for you!

Auto Loans & Vehicle Financing

Are you considering purchasing a new car? Our Auto Loans & Vehicle Financing services can help turn that dream into reality. With flexible terms and competitive rates, financing your vehicle is straightforward and stress-free. Picture yourself driving off the lot in a new car, knowing that you secured an affordable loan that fits your budget.

Business Banking Support

If you're a business owner, our Business Banking services include everything from Merchant Services to Business Loans. We know how important it is for small businesses to have reliable banking solutions that support growth and success.

Credit Cards with Rewards

For those who love earning rewards while spending, our Credit Cards with Rewards program offers great benefits on everyday purchases. From cash back on groceries to travel points for your next getaway, these cards add value to every swipe.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we emphasize our robust Online & Mobile Banking features. You can manage your accounts anytime and anywhere whether it's checking balances, transferring funds, or paying bills all from the palm of your hand.

Home Financing Made Easy

When it's time to invest in a home, look no further than our Mortgage Loans & Refinancing options. We guide you through every step of the process, ensuring you find the right mortgage product for your financial situation. Whether you're buying your first home or refinancing an existing mortgage to take advantage of lower rates, our team is here to help.

Personal Banking Solutions

We understand that managing personal finances can sometimes feel overwhelming. That's why at Access, we offer Personal Banking options such as Checking & Savings Accounts tailored to fit your lifestyle. Imagine having an account that not only keeps your money safe but also helps you grow your savings with competitive interest rates. Whether you're saving for a dream vacation or planning for unexpected expenses, our accounts are designed with your goals in mind.

Personal Loans & Debt Consolidation

Sometimes life brings unexpected expenses, and that's where our Personal Loans & Debt Consolidation services come into play. If you're feeling weighed down by high-interest debt, consolidating those debts into one manageable payment can provide relief and clarity. Imagine the peace of mind that comes with simplifying your finances!

Digital & Online Banking

Key Features

One of the standout features is the availability of electronic signatures. This means you can authorize important documents without needing to print anything out, making transactions quicker and easier. Plus, our e-statements allow you to view your account statements online whenever you want, helping you keep track of your spending with just a few clicks. For those who love mobile banking, we have a dedicated mobile application available for download. It offers all the same features as our online banking platform but is optimized for use on your smartphone. You can even make mobile payments directly from the app perfect for when you're on the go!

Real-Time Management

Need to send money quickly? While person-to-person transfers aren't available at this moment, our other services ensure that managing your money is still hassle-free. You'll also appreciate how easy it is to monitor transactions in real-time through our secure portal. At Access, we prioritize accessibility and ease-of-use in every aspect of our digital banking services. With these tools at your fingertips, you'll be empowered to take control of your finances confidently and conveniently. Join us today and experience banking designed for you!

Financial Strength

Dedicated Team for You

We take pride in having 41 full-time employees and 8 part-time employees who are always ready to serve you with a knowledgeable, committed team. This personal touch ensures that every visit to Access is met with friendly faces who genuinely care about your financial wellbeing.

Growing Member Base

Total Share and Deposit Accounts stand at 43,768, showcasing a strong and growing member base that trusts us with their finances. 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. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Investing in Your Future

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 is also significant; with $1,853 in used auto loans and $149,908,546 in total loans and leases, we support your financial goals across various sectors. Our operational efficiency is reflected in our $2,423,094, which enables us to continue offering competitive loan rates and solid financial products for our members.

Member-Focused Savings

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.

Strong 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 $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

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 $33,078,332 in new vehicle loans and $24,259,221 in used vehicle loans, helping members get on the road with confidence. Our competitive rates and flexible terms make it easier for you to drive away with the vehicle you want.

Business Loans

For business owners, our outstanding commercial loans totaling $16,669,704 provide the capital needed to grow and expand your business. We know how crucial financial support can be for small businesses looking to thrive in today's competitive market.

Credit Lines

For those who need more flexibility with their finances, our credit lines offer up to $16,000,000 in available funds. This allows you to access cash when you need it most without taking out a traditional loan.

Mortgage Loans

Thinking about homeownership? Our mortgage options are here to help. We offer Junior Lien 1-4 Family Residential Properties loans totaling $9,526,634, making buying or refinancing simple and straightforward. We understand that purchasing a home is a significant investment, and our team is ready to assist you through every step of the process.

Refinancing Options

If you're considering refinancing any existing loans or mortgages for better rates or terms, we have options available that can save you money over time. Our team will work closely with you to assess your situation and determine the best path forward. Our knowledgeable staff is available to answer any questions you may have about our loan offerings. Feel free to reach out at 315-245-2148 during our business hours from 8:30 AM to 5:00 PM on weekdays. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Access, we're committed to providing our members with the tools they need to succeed financially. Whether it's securing an auto loan or exploring mortgage options, we're here for you every step of the way!

Unsecured Credit Card Loans

Managing everyday expenses can be challenging; that's why we also offer flexible terms on unsecured credit card loans. With a total of $1,941,809 in loans helping members effectively manage their finances, our credit cards come with rewards and benefits designed to fit your lifestyle.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures fair and transparent offers for all users. By relying on verified financial institutions, LendMesh guarantees that the data presented is both current and trustworthy.

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