Access Federal Credit Union is a member-owned, not-for-profit credit union offering checking, savings, loans, and digital banking services to its members.
Editorially reviewed by Harvey Brooks
Access Federal Credit Union is a federally-chartered credit union serving members through multiple physical locations, including branches in Clinton and other areas. The institution is NCUA-insured and operates under the credit union model, meaning it is member-owned and not-for-profit, with any surplus returned to members through better rates and lower fees. Access FCU has been providing financial services and maintains a routing number (221379895) for all transaction types including ACH, direct deposit, share draft checking, and wire transfers.
Access FCU offers a comprehensive suite of financial products and services designed for everyday banking and lending needs. Their service portfolio includes online banking (ACCESS Online), mobile banking with mobile check deposit capabilities, bill pay services (ACCESS-A-Bill), checking and savings accounts, vehicle loans, mortgage services, and personal loans. The credit union emphasizes 24/7 account access through multiple digital channels—online portal, mobile app, and phone banking (315-693-2001)—allowing members to check balances, review transactions, transfer funds, schedule payments, and deposit checks remotely.
Access FCU distinguishes itself through its emphasis on digital accessibility and member convenience. The institution offers free mobile check deposit through their smartphone app, free online banking and bill pay for active users, account balance email notifications, e-statements, and money management tools. Their Bank by Phone service provides round-the-clock access to perform financial transactions via telephone, and they maintain physical ATM locations for cash access. The mobile-first approach and array of digital tools reflect an effort to serve members regardless of when or where they need to bank.
Access Federal Credit Union is best suited for individuals seeking traditional credit union membership with strong digital banking capabilities. Members should be comfortable managing accounts online or via mobile app, as this is where most convenience features are concentrated. The lack of detailed information on loan rates, fee structures, and membership requirements from the website makes it difficult to fully assess competitive positioning. Those seeking a full-service credit union with modern digital tools will find value here, though prospective members should contact the institution directly for specific rate and fee information.
Yes. Access is a registered company headquartered in , , founded in 1947. They hold a rating with the Better Business Bureau.
Membership approval and account opening typically takes 1-3 business days. Loan decisions are usually faster than traditional banks.
CreditDoc Diagnosis
Access Federal Credit Union is best for individuals seeking traditional credit union membership with modern digital banking conveniences—online portals, mobile apps, and remote check deposit. The main caveat is that detailed information about loan rates, membership requirements, and fee structures is not readily available on the website, requiring prospective members to contact the institution directly for specific product details and competitive rate comparisons.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-03-21
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