Access Credit Union Rome NY | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Access, your trusted credit union located at 230 S James St, Rome, NY 13440. Since our establishment in 1947, we have been dedicated to serving our community and providing financial solutions that meet the needs of our members. With over 23,000 members and total assets reaching $265,422,047, we pride ourselves on being a stable and reliable partner in your financial journey. At Access, we understand that every member is unique. That's why we offer a variety of services designed to help you achieve your financial goals, from checking and savings accounts to auto loans and mortgages. Our commitment is reflected in our impressive figures: with $18,549,721 in total deposits and a net worth of $25,491,278, we are well-equipped to support you every step of the way. Our experienced team of 49 employees, led by CEO Thomas Owens and Board President S. Leo Angelicola, is here to ensure you receive personalized service tailored to your individual needs. Whether you're looking for straightforward banking or more complex financial products, we're here to help. While members can visit us at our branch location, official correspondence should be sent to the same address: 230 S James St, Rome, NY 13440. If you have any questions or need assistance, feel free to reach out by calling us at 315-339-3000. We invite you to explore how Access can make a positive impact on your financial life today! Visit our website at Access FCU or stop by our branch to see how we can help you thrive in your financial endeavors.

Branch History & Mission

Community Commitment

Access Credit Union is more than just a financial institution; we are an active participant in the Rome community. Our outreach efforts include sponsoring local events and supporting various charitable initiatives that improve the quality of life for all residents. We believe that when our members succeed, so does our community. Our branch offers convenient services like drive-thru banking and ATM access for easy transactions. We also prioritize digital advancements by providing online banking and mobile payment options, making it easier than ever for you to manage your finances from anywhere. While members can visit us at 230 S James St, official correspondence should be sent to the same address as there's no difference between our mailing address and branch location.

Join Us Today

We invite you to experience the benefits of being a part of Access Credit Union. Whether you're looking for competitive loan rates or personalized service from a team that cares about your financial well-being, we are here for you. Contact us at 315-339-3000 or visit us during operating hours (5-Sep) to learn more about how we can assist you on your financial journey. Together, let's build a brighter future!

Our Mission

At Access Credit Union, our mission is simple yet profound: We strive to empower our members through comprehensive financial solutions tailored to their unique needs. Whether it's personal banking, auto loans, or mortgage financing, we believe in making financial services accessible and beneficial for everyone. Our goal is not just to provide banking services but to build lasting relationships within the community. We understand that financial literacy is key to achieving personal goals. That's why we invest in educational programs and resources that help our members make informed decisions about their finances. By partnering with local organizations and schools, we aim to uplift our community and ensure everyone has the opportunity to thrive.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with your comfort in mind. We offer ample parking, making it easy for you to visit us anytime. For those needing assistance, our facility is ADA compliant, featuring ramps and accessible entrances so everyone can bank with ease.

Call to Action

We invite you to come by and experience the friendly service that sets us apart. Stop by our Rome Office today or give us a call at 315-339-3000 we're excited to help you take the next step in your financial journey!

Operating Hours & Services

You can count on us to be available when you need us most! Our operating hours are designed to fit your busy schedule. Whether you're coming in for a quick deposit or looking to discuss your financial needs, we're here for you. Feel free to reach out at 315-339-3000 if you have any questions or need assistance. At Access, we provide a range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, our drive-thru service allows for quick transactions without leaving your vehicle.

Member Eligibility

At Access, we believe that everyone deserves access to a supportive financial community. Becoming a member is simple and welcoming, designed for anyone who lives, works, or worships in the area around 230 S James St Rome Ny 13440. Our goal is to help you thrive financially, so we offer various services tailored to meet your needs. Whether you're looking for a checking account, savings options, or loan services, we're here for you. To get started on your journey with us, just visit our website and check out the detailed eligibility criteria at . If you feel you're a good fit, opening an account is easy! You can apply online through this link: https://app.loanspq.com/apply.aspx?lenderref=accessfcu09252020&list=xasa1s2s1b2bst. If you have any questions or need assistance, don't hesitate to reach out by calling us at (315) 339-3000. We can't wait to welcome you into the Access 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 essential merchant services that simplify your day-to-day operations. Imagine being able to accept payments seamlessly from your customers without the hassle of complicated setups. Our merchant services provide you with the tools to manage transactions efficiently, ensuring you focus more on growing your business rather than worrying about payment processing. Visit us at 230 S James St Rome Ny 13440 in Rome, NY, or give us a call at (315) 339-3000 to learn how our business banking solutions can help you thrive!

Comprehensive List Of Services

Convenient Access Anytime, Anywhere

In today's fast-paced world, convenience is key. That's why we prioritize online and mobile banking features that allow you to manage your accounts from anywhere at any time. Check balances, transfer funds, or pay bills all from the palm of your hand. For cash withdrawals or balance checks, our ATM services are available for easy access whenever you need it. Plus, our drive-thru service makes simple transactions like deposits and withdrawals quick and hassle-free.

Credit Cards That Reward You

Looking for a credit card? Our credit cards with rewards offer perks that can benefit you every day. Whether it's cash back on groceries or travel points for your next vacation, we provide options that align with your spending habits.

Get Started Today!

With so many options available at Access, you're sure to find the financial services that fit your needs perfectly. Ready to take the next step? Give us a call at 315-339-3000 or visit us at our branch in Rome. Your financial journey starts here! Explore all we have to offer by visiting our website.

Home Sweet Home

Thinking about purchasing a home or refinancing your current mortgage? Our team is here to guide you through our mortgage loans and refinancing options. We want you to feel comfortable in your new space without the worry of overwhelming payments. If you're facing unexpected expenses or want to consolidate debt, our personal loans and debt consolidation services can provide a helpful solution. Life can throw curveballs, but we're here to help you navigate those challenges with ease.

Personal Banking Made Easy

We know that managing your money is important. That's why we offer checking and savings accounts tailored for every lifestyle. Imagine having an account that not only keeps your funds safe but also helps you grow them over time. With our competitive interest rates and low fees, you can focus on what matters most your life! Need a new car? Our auto loans and vehicle financing options will help get you on the road without breaking the bank. We understand that buying a vehicle can be stressful, so we aim to make the process as smooth as possible.

Supporting Local Businesses

For our entrepreneurial members, we offer business banking solutions, including merchant services and business loans. We're dedicated to supporting local businesses because when they thrive, our community thrives.

Digital & Online Banking

Convenient Features

Our online banking platform allows you to view your account balances, transfer funds, and pay bills in just a few clicks. If you're looking to simplify your banking experience even more, consider signing up for e-statements. With Yes available, you can keep track of your finances without the clutter of paper statements. For those who prefer using their mobile devices, our mobile application is here to help. It not only provides easy access to your accounts but also enables mobile payments, making transactions smoother than ever. With the ability to pay directly from your phone, handling everyday expenses has never been more convenient.

Enhanced Security

Your security is a top priority for us at Access. Our electronic signature authorization feature allows you to complete transactions safely without needing to visit a branch physically. This means you can handle important paperwork from the comfort of your home while ensuring that your information remains protected. Although person-to-person transfers are not currently offered, our comprehensive suite of online banking tools empowers you to manage your money effectively and efficiently.

Real-Time Account Management

With our user-friendly digital banking features, managing your finances has never been easier or more accessible. You can check account balances in real-time and monitor transactions as they happen. This level of transparency helps you stay informed about your financial health and make decisions accordingly. Join us at Access and take advantage of our digital and online banking services designed with you in mind!

Financial Strength

Committed Team Support

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. 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 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.

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.

Operational Efficiency

Our robust operations are reflected in our $2,423,094, which indicates our ability to manage resources efficiently. This operational strength allows us to continue offering competitive loan rates and solid financial products for our members.

Reinvestment for Better Services

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.

Solid 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 provide flexible financing options that fit 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. We understand the unique challenges businesses face and aim to provide tailored solutions that support your journey. At Access, we strive to empower our members with the financial tools they need. You can explore more about our loan products or start your application online by visiting our website: Access FCU. For detailed performance insights and financial data supporting our offerings, refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're purchasing a vehicle or investing in property, we're here to guide you through every option available. Let's work together towards achieving your financial aspirations!

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 can be an excellent choice for those looking to consolidate debt or cover unexpected expenses.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $9,526,634, allowing you to invest in your future without unnecessary hassle. If you're considering refinancing your current mortgage, ask us about eligibility options that may suit your needs.

Loan Aggregator

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