Access Credit Union Oneida NY | Best Auto Loans & ATM Services

Introduction

Welcome to Access Credit Union, your trusted partner in financial services since 1947. Located at 2094 Glenwood Shopping Plz, Oneida, NY 13421, our branch is dedicated to serving our community and helping members achieve their financial goals. With a strong commitment to member satisfaction, we have grown to support over 23,000 members and manage assets totaling $265,422,047. At Access, we understand that every financial journey is unique. That's why we offer a wide range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our total loans amount to 8,409, reflecting our dedication to providing accessible financing options for all our members. Our leadership team is here to guide you every step of the way. Under the direction of CEO Thomas Owens and Board President S. Leo Angelicola, we strive to foster a welcoming environment where your needs are prioritized. We also proudly employ 49 dedicated staff members, all committed to delivering exceptional service. For any official correspondence, please send it to 2094 Glenwood Plaza, Oneida, NY 13421. You can reach us directly at (315) 366-9840 or visit our website at Access Credit Union for more information on how we can assist you today. Join us in making your financial dreams a reality! Come visit us or give us a call; we're here for you!

Branch History & Mission

Community Engagement

Access is not just about banking; it's about being an integral part of Oneida. We actively engage in community outreach efforts and partnerships that uplift those around us. Through various programs and initiatives, we strive to make a meaningful difference in people's lives because when our community thrives, so do we. As we look toward the future, we're excited about continuing our legacy of service while embracing new technologies and advancements that enhance accessibility for all members. From ADA compliance measures to digital banking options, we're committed to ensuring everyone can benefit from what we offer.

Join Us

We invite you to become part of the Access family. Experience firsthand how your credit union can help you achieve your financial goals while making a positive difference in your community. Reach out today at (315) 366-9840 or visit us online at Access FCU to learn more about how we can assist you on your financial journey!

Mission Statement

Our mission is simple yet profound: to serve our members with integrity and dedication while making a positive impact on the community. We believe in more than just financial transactions; we aim to support the aspirations of each member by providing personalized services that cater to their unique needs. Whether it's through online banking, mobile payments, or direct assistance from our friendly staff, we prioritize your experience every step of the way.

Our Journey

Since our inception, Access has been dedicated to providing exceptional financial services while fostering a sense of belonging among our members. Over the years, we have expanded our offerings to include personal banking solutions like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Each milestone reflects our mission to empower individuals and families through sound financial practices. While members can visit us at 2094 Glenwood Shopping Plz Oneida Ny 13421, official correspondence should be sent to 2094 Glenwood Plaza, Oneida, NY 13421 if it differs. This clear communication ensures that our members receive prompt service and assistance whenever needed.

Branch Location & Accessibility

Call to Action

Whether you're already a member or considering joining our community, we invite you to stop by or give us a call at 315-366-9840. Experience firsthand how Access Credit Union can support your financial journey with personalized service tailored just for you!

Nearby Landmarks and Accessibility

When you visit us, you'll find that our location is easily accessible and welcoming. We understand the importance of convenience, so we provide ample parking for our members. Plus, the branch is equipped with features that ensure everyone can access our services comfortably. Whether you're coming in for a quick transaction or need assistance with more complex banking needs, we're here to help.

Operating Hours and Services

We are open during convenient hours to fit your busy schedule, making it easy for you to drop by whenever you need assistance. Our friendly staff is ready to assist you with a range of services including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and more. If you're looking for business banking solutions, we've got those too! For those who prefer banking on-the-go, we also offer online and mobile banking services. Need cash? No worries! Our ATM is available for quick cash withdrawals and balance checks right outside the branch. While members can visit us at 2094 Glenwood Shopping Plz, official correspondence should be sent to our mailing address at 2094 Glenwood Plaza, Oneida, NY 13421 if different from the branch location.

Member Eligibility

Joining the Access community is a wonderful step toward better financial well-being. We warmly welcome anyone who lives, works, worships, or attends school in our area to become a member. This means if you're part of our vibrant community in Oneida, NY, you can enjoy all the benefits we offer, from personalized service to a variety of financial products designed just for you. Becoming a member at Access not only opens doors to competitive rates and fees but also connects you with a supportive network that genuinely cares about your financial journey. If you're ready to take the next step, opening an account is simple! Just visit us at 2094 Glenwood Shopping Plz Oneida Ny 13421 or give us a call at (315) 366-9840 for more information. For detailed eligibility criteria and to ensure you have everything needed for membership, check out this helpful resource: . You can also start your application online by visiting https://app.loanspq.com/apply.aspx ?lenderref=accessfcu09252020&list=xasa1s2s1b2bst . We can't wait to welcome you as a member of 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. This funding enables local entrepreneurs to purchase equipment, hire staff, or invest in inventory fueling the economy right here in Oneida. We also provide various merchant services that can simplify your day-to-day operations. Imagine having a seamless payment processing system that allows your customers to pay with ease while giving you more time to focus on what you do best running your business. With an outstanding commercial loan portfolio of $16,669,704, we continue to drive economic growth by financing new and expanding businesses. Let us partner with you on your journey toward success; together, we can make your business aspirations a reality. Visit us at 2094 Glenwood Shopping Plz, Oneida, NY 13421 or call us at 315-366-9840 to learn how we can assist you today!

Comprehensive List Of Services

Business Banking Services

For our members who own businesses, Access offers tailored business banking solutions, including merchant services and business loans. We want to see your business thrive and will work with you to provide the financial support needed for growth.

Convenient Digital Banking

In today's fast-paced world, managing your finances should be simple. With our robust online and mobile banking platforms, you can access your accounts anytime, anywhere. From checking balances to transferring funds or paying bills, everything is just a few taps away on your smartphone or computer. Additionally, our ATM services ensure that cash withdrawal is always convenient for you. If you ever have questions or need assistance, don't hesitate to reach out! You can contact us at 315-366-9840 for any inquiries or support regarding our services. At Access, we believe in empowering our members with the tools they need for financial success. Visit us today or explore more on our website at Access FCU to learn how we can help meet your financial needs!

Flexible Loan Options

Life can be unpredictable, and sometimes you need a little extra help. Our personal loans and debt consolidation options are designed with your needs in mind. If you have expenses piling up or want to simplify your finances by consolidating debts, we can guide you through the process smoothly. Plus, our credit cards with rewards allow you to earn benefits while making everyday purchases.

Personal Banking Solutions

We understand that every member has unique financial goals. That's why we offer checking and savings accounts designed to help you manage your money efficiently. You can choose from various account types to find one that fits your lifestyle. If you're thinking about purchasing a new vehicle, our auto loans and vehicle financing options make it easy and affordable to get behind the wheel of your dream car. We also provide mortgage loans and refinancing services, so whether you're buying your first home or looking to lower your monthly payments, we're here to assist.

Digital & Online Banking

Key Features

Our online banking services are not just about convenience; they also prioritize security. You can enjoy features like electronic signature authorization, which means you can sign documents safely without the hassle of printing or mailing. Plus, with e-statements available, you'll always have access to your account statements without the clutter of paper. For those on the go, our mobile application makes banking even more accessible. Whether you need to check your balance or make payments, it's all at your fingertips. And if you love using mobile payments, you'll be pleased to know that we support this feature too making transactions quick and easy right from your phone.

Real-Time Management

Real-time account management is another benefit of our online banking services. You can monitor your spending, transfer funds between accounts, and manage your savings all in one place. While person-to-person transfers are not currently offered, our platform still provides many ways to handle your finances efficiently. With 24/7 online banking services available, you never have to worry about being tied down by traditional banking hours. This flexibility allows you to manage your money when it suits you best. In summary, at Access, we're dedicated to providing a secure and user-friendly digital banking experience that keeps you connected and in control of your finances. Explore all these features today by visiting https://www.accessfcu.org/home/home !

Financial Strength

Committed Team

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. Total Share Accounts stand at 43,768, showing 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 2094 Glenwood Shopping Plz Oneida NY 13421 or call 315-366-9840 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports members' financial goals across various sectors with $18,530,593 in used auto loans and $149,908,546 in total loans and leases. Additionally, our net income of $2,423,094 reflects our operational efficiency enabling us to continue offering competitive loan rates and solid financial products for our members.

Member-Centric 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.

Reinvestment for Improvement

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. This approach helps us create an environment where your money works harder for you.

Solid 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 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 that can fit within your budget.

Credit Lines and Commercial Loans

In addition to personal loans, we provide outstanding commercial loans totaling $16,669,704, supporting local businesses with the capital needed to grow and expand. Our credit lines totaling $16,000,000 are also available for those who want access to funds when they need them without taking out a full loan. If you're interested in refinancing any of these products or want to learn about eligibility options, feel free to reach out or visit us online. We're here to guide you through the process and help find the best option that fits your needs. 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 be your partner in financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $9,526,634, making buying or refinancing simple. We strive to make the process as straightforward as possible so you can focus on what matters most your new home.

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. This product is designed for those who want more flexibility in managing expenses without tying up other assets.

Loan Aggregator

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Ensuring Accurate Comparisons

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