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

Introduction

Welcome to Access Credit Union, your trusted financial partner located at 6 Franklin Ave, Clinton, NY 13323. Established in 1947, we have proudly served our community for over 75 years, fostering strong relationships with our 23,080 members. Our mission is simple: to provide exceptional financial services tailored to meet the unique needs of our members while promoting a spirit of community and collaboration. At Access, we understand that everyone's financial journey is different. With total assets of $265,422,047 and total deposits reaching $18,549,721, we are committed to ensuring that your money is safe and working for you. Our offerings include a wide range of services such as personal banking, auto loans, mortgages, and business banking solutions. We currently manage 8,409 loans and leases, demonstrating our dedication to helping you achieve your financial goals. Our leadership team, headed by CEO Thomas Owens and Board President S. Leo Angelicola, works tirelessly to uphold the values of transparency and trust. With a strong net worth of $25,491,278 and cash in hand totaling $2,020,216, we stand ready to support our members through every financial decision. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location: 6 Franklin Ave, Clinton, NY 13323. If you have any questions or need assistance with your accounts, don't hesitate to reach out! You can contact us at (315) 557-1000 or send a fax to (315) 557-1004. Join us today at Access Credit Union where your dreams matter! Explore more about our services on our website here or stop by to speak with one of our friendly staff members who are eager to help you navigate your financial future.

Branch History & Mission

Welcome to Access, where we have proudly served the community of Clinton, NY since 1947. Our branch, located at 6 Franklin Ave, has a rich history of growth and commitment to providing exceptional financial services. Over the years, we have evolved from a small credit union into a thriving institution with over 23,000 members and total assets amounting to $265,422,047. Our mission is simple yet powerful: to empower our members with the tools they need to achieve their financial goals while fostering a supportive community environment. We believe that everyone deserves access to quality financial services that are tailored to their needs. This belief drives us to provide a range of offerings including personal banking, auto loans, mortgage options, business banking, and online services. While you can visit us at our Clinton location for all your banking needs, any official correspondence should be directed to our mailing address at PO Box 308, Clinton, NY 13323. We take pride in being accessible and convenient for our members with features such as ATM availability and drive-thru banking services. Over the years, Access has embraced innovation and technology to enhance the member experience. Our commitment to digital advancements allows us to offer online banking and mobile payment options that make managing finances easier than ever. Furthermore, we ensure our facilities are ADA compliant so everyone can feel welcome and included. Community support is at the heart of what we do. We engage in various outreach initiatives that connect us with local organizations and causes that matter most to our members. Our partnerships help foster a sense of belonging and shared purpose within Clinton. As we look toward the future, we invite you to join us on this journey. Become a part of Access today and discover how we can help you reach your financial aspirations while making a positive impact in our community. For more information or assistance, feel free to call us at 315-557-1000 or explore our website at Access FCU. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access and Parking

At Access, we prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features, ensuring everyone can visit us comfortably. Parking is readily available nearby, making it easy for you to drop by without any hassle.

Get in Touch

While our branch address is where the action happens, please note that any official correspondence should be sent to our mailing address at 6 Franklin Ave, PO Box 308, Clinton, NY 13323. If you have any questions or need assistance before your visit, don't hesitate to give us a call at 315-557-1000. We invite you to come see us at Access today! Whether you're looking for personal banking solutions or business services, we're here to help you every step of the way.

Operating Hours and Services

We understand that your time is valuable. That's why we offer flexible lobby hours from 9:00 AM to 5:00 PM on weekdays. Stop in during these times to enjoy a variety of services tailored just for you be it opening a checking account, applying for a loan, or discussing business banking options. If you prefer a drive-thru experience, we've got you covered! Our drive-thru service is perfect for quick deposits and withdrawals while you're on the go. For those who need cash after hours, our ATM is always available to meet your needs.

Member Eligibility

Becoming a member of Access is like joining a close-knit family where your financial well-being is our top priority. If you live, work, or worship in the Clinton area, you're already on your way to enjoying the benefits of membership. We welcome individuals from all walks of life, so whether you're a student just starting out or someone looking to manage their finances better, we have something for everyone. Our community-focused approach means that as a member, you'll have access to personalized service and a variety of financial products designed with your needs in mind. To learn more about the specific eligibility requirements, feel free to check out our resource at . Once you're ready to join us, opening an account is simple! Just visit us at https://app.loanspq.com/apply.aspx?lenderref=accessfcu09252020&list=xasa1s2s1b2bst to get started. If you have any questions or need assistance along the way, don't hesitate to call us at (315) 557-1000. We can't wait to welcome you to the Access family at 6 Franklin Ave Clinton Ny 13323!

Business Banking & Commercial Services

Practical Merchant Services

In addition to financing, we offer comprehensive merchant services that simplify daily operations. Imagine processing payments seamlessly while focusing on what you do best running your business. Our services help streamline transactions, allowing you to serve your customers better and manage cash flow efficiently. Located conveniently at 6 Franklin Ave Clinton Ny 13323, Clinton, NY, we're here to partner with you every step of the way. Contact us today at (315) 557-1000 to discover how we can help your business thrive!

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

ATM and Drive-Thru Services

For quick transactions, our branch features an ATM that allows for hassle-free cash withdrawals and balance checks. If you prefer in-person service without stepping inside the bank, our basic drive-thru banking offers deposits, withdrawals, and simple transactions right from your vehicle. At Access, we believe that banking should be straightforward and accessible for everyone. If you have questions about any of our services or want to learn more about how we can help you achieve your financial goals, don't hesitate to reach out at 315-557-1000. We invite you to visit us at our Clinton branch or explore our offerings online at accessfcu.org. Your financial success is just around the corner!

Business Banking Services

For our business members, we offer comprehensive business banking solutions, including merchant services and business loans. If you're looking to expand your business or need assistance with daily transactions, we're here to support you every step of the way.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services. You can easily manage your accounts from anywhere at any time whether it's checking balances, transferring funds, or paying bills with just a few clicks on your phone.

Credit Cards and Rewards

Our credit cards with rewards provide an excellent way to earn while you spend. Whether you're making everyday purchases or planning a special trip, our rewards program can offer cash back or points that can be redeemed for exciting experiences.

Personal Banking Solutions

When it comes to personal banking, we offer various options including checking and savings accounts tailored to fit your lifestyle. For those planning to purchase a new car, our auto loans and vehicle financing options make it easy and affordable. Imagine driving off in your dream car with a loan that suits your budget! If homeownership is on your mind, our mortgage loans and refinancing services are here to assist you. We understand that buying a home is one of the biggest decisions you'll make, so we're committed to guiding you through the process with competitive rates and personalized service. Additionally, our personal loans and debt consolidation services can help simplify your finances by combining multiple payments into one manageable loan.

Digital & Online Banking

Key Services Offered

With our online banking service available at https://www.accessfcu.org/home/home, you can check balances, pay bills, and transfer funds with just a few clicks. Our 24/7 online banking ensures that you can access your account whenever you need to, giving you peace of mind no matter where you are. Security is a top priority for us. You can confidently manage your finances knowing that our electronic signature authorization feature keeps your transactions safe and secure. Plus, if you prefer going paperless, we offer e-statements so you can view your account statements online without the clutter of physical documents.

Mobile Banking Made Easy

The convenience continues with our mobile application. Whether you're on the go or relaxing at home, our app allows you to make mobile payments effortlessly. You can also transfer money between accounts or send funds to friends and family with ease although person-to-person transfers are currently not available. Managing your finances has never been more accessible. With Access's digital banking services, you're equipped with the tools to stay on top of your financial goals while enjoying the comfort of modern technology. Experience the future of banking today!

Financial Strength

A Growing Community

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 6 Franklin Ave Clinton Ny 13323 or call (315) 557-1000 to learn more about how we can help you achieve your financial goals.

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 members' financial goals across various sectors with $1,853 in used auto loans and $149,908,546 in total loans and leases. Our operational efficiency is reflected in our $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, committed team.

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.

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 $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, 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 have options for both new and used vehicles, ensuring you find the right fit for your budget. If you're considering refinancing your current auto loan, ask us about eligibility options to see if you can lower your payments.

Business Loans

For business owners, our outstanding commercial loans totaling $16,669,704 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges. That's why our tailored solutions aim to support your venture's growth at every step. At Access in Clinton NY (6 Franklin Ave), we prioritize making lending accessible for everyone. To learn more about our loan offerings or start your application today, give us a call at 315-557-1000 or visit us online at accessfcu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial future is important to us; let's work together to build it!

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 the mortgage process with clear information and support. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, we're here to help.

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 come with competitive rates and rewards that can enhance your spending power while keeping your financial goals in check.

Loan Aggregator

Ensuring Accurate Comparisons

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