Credit union · NCUA insured
Access Federal Credit Union CD Rates
Top CarrotA $317M credit union headquartered in Clinton, NY, with 23,162 members and 4 branches in New York.
How Access Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Utica, NY, where Access Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Access Federal Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $198
Share Certificates
Top rate
Utica Gas & Electric Federal Credit Union
4.60%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $382
2nd-highest rate
AmeriCU Credit Union
4.50%APY
- Term
- 3 months
- Minimum
- $50
- Earns on $10,000
- $111
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Share Certificates
Up to 4.00%APY · 6 terms
Regular IRAs, Roth IRAs, and Coverdell ESAs available at the same rate and terms as regular certificates. Minimum balance for Coverdell ESA is $500.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance of $1,000.00 required. Additional conditions apply for APY disclosure daily | 4.00% | $198 |
| 12 monthsMinimum balance of $1,000.00 required. Additional conditions apply for APY disclosure daily | 4.00% | $400 |
| 24 monthsMinimum balance of $1,000.00 required. Additional conditions apply for APY disclosure daily | 3.75% | $764 |
| 36 monthsMinimum balance of $1,000.00 required. Additional conditions apply for APY disclosure daily | 3.25% | $1,007 |
| 48 monthsMinimum balance of $1,000.00 required. Additional conditions apply for APY disclosure daily | 3.00% | $1,255 |
| 60 monthsMinimum balance of $1,000.00 required. Additional conditions apply for APY disclosure daily | 3.00% | $1,593 |
Sources (1)
- accessfcu.org/home/rates-fees/deposit-rates · captured Sep 17, 2026
Who can join Access Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.