Credit union · NCUA insured
Access Federal Credit Union
Top CarrotA $317M credit union headquartered in Clinton, NY, with 23,162 members and 4 branches in New York. Best rates: savings 1.15% APY.
Access Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#7 of 16 in Utica, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Access Federal Credit Union
ACCESS Federal Credit Union was chartered in 1947 as the Oneida Limited Employees Federal Credit Union for employees and families of Oneida Silversmiths, renaming to ACCESS Federal Credit Union in 1999.
The credit union converted to a community charter in 2000 and expanded in 2021 to serve Oneida, Fulton, Hamilton, Herkimer, Lewis, Madison, Montgomery, and Otsego counties, plus Oneida City.
- Headquarters
- 6 Franklin Ave, Clinton, NY 13323
- NCUA charter
- 5579
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or go to school in the City of Oneida or Fulton, Hamilton, Herkimer, Lewis, Madison, Montgomery, Oneida, or Otsego County are eligible to join.
Employers and groups
- Businesses and organizations located within the eligible service area are eligible to join.
Family and household
- Immediate family members of any ACCESS Federal Credit Union member are eligible to join.
Branches
4 branches in New York
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New York
4 branches
Utica area · 3
- Clinton OfficeMain office6 Franklin Ave, Clinton, NY 13323Directions
- Camden Office74 Main St, Camden, NY 13316Directions
- Rome Office230 S James St, Rome, NY 13440Directions
Syracuse area · 1
- Oneida Office2094 Glenwood Shopping Plz, Oneida, NY 13421Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.40% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.89% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.38% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $54 | $76 | — |
- CapitalNet worth ratio9.40%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.89%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.38%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$54Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Access Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.