Loans

Vehicle Loans

If you're in the market for a new or used car, or motorcycle, or would like to refinance one to ACCESS from another lender, we are here with great rates & fast approval! We offer 100% financing to qualified buyers, with terms to 84 months! Payment protection and GAP Insurance is available.

Proof of insurance is required for all vehicle loans. Proof of insurance must show that we are the lien holder on the vehicle with full coverage insurance and the amount of deductibles for comp and collision protection not to exceed $500. Proof of insurance may be faxed to:

ACCESS Federal Credit Union
6 Franklin Ave.
Clinton, NY 13323
FAX: 315-557-1004

Click here to view our rates.

Other Loans

Unsecured - ACCESS FCU offers personal loans for up to $10,000. Terms up to 60 months

Recreational Vehicle (RV) Loans- Motorcycles, boats, travel trailers, ATVs, jet skis, snowmobiles, snow blowers, and home & garden equipment. Secured - Terms up to 120 months

Harley-Davidson Motorcycles- Terms up to 72 months.

Share Secured Loans- Terms up to 120 months.

Share Certificate Secured Loans- Terms up to 60 months.

Click here to view all of our rates

Home Equity Loans

Home Equity Loans & Home Equity Lines of Credit
Welcome Home! At ACCESS FCU you'll find everything you need for...

  • Home improvements or add-ons
  • Paying off bills
  • Taking a luxury vacation
  • Easing the burden of taxes
  • Financing a child's education

You can do all this and more when you take advantage of a low-cost Home Equity Loan or Home Equity Line of Credit from ACCESS FCU. Our Home Equity loans have low interest rates and the interest may be tax deductible (you should consult your tax advisor). With our Home Equity loans, your only closing cost may be the New York State mortgage tax.

Home Equity Line of Credit, also known as a HELOC

HELOC, variable rate loan

This line of credit is perfect for remodeling your home, paying for your child's education expenses, or consolidating your high interest debts into one easy payment.

  • Interest may be tax-deductible (you should consult your tax advisor)
  • ACCESS FCU pays most fees, your only cost may be the New York State mortgage tax
  • There are no pre-payment penalties
  • Easy check writing access
  • Interest only payments for the first 5 years
  • Borrow up to 80% of your available equity

Home Equity Loan

Fixed Rate Loan

Take cash out of the equity in your home for any purpose.

  • Low fixed rates
  • Up to 80% combined loan-to-value financing for owner-occupied properties
  • Terms up to 15 years - makes payments low
  • Interest may be tax-deductible (consult with your tax advisor)
  • ACCESS FCU pays most fees; all you may pay is mortgage tax (ask us for details)
  • No pre-payment penalties

Mortgage Loans

At ACCESS FCU, we have a variety of home loan programs. Whether you're interested in buying your first home, upgrading to a larger home, refinancing your existing mortgage, or maybe buying that second home, we have a mortgage product for you. Our mortgage specialists are available to answer your questions, help you get pre-qualified, and walk you through the mortgage process.

Credit Cards

ACCESS FCU's Visa saves you money with a low annual percentage rate! There's no annual fee (for either card) and both come with a 25-day interest-free grace period on all purchases. Call or stop by your local ACCESS FCU office for an application.

Click here for our VISA Gold and VISA Classic Disclosure.

We've added a new link to our website! It's www.ezcardinfo.com
At "ezcardinfo" you can access your ACCESS FCU credit card information 24 hours a day online. This site lets you view current activity (up to the last 10 transactions), payment history and payment address, and other member service information - all available at your fingertips! This is just another way we help you "click back and relax"! [ Go ] ezcardinfo.com

For ACCESS FCU Visa Classic Credit Cards:

  • For card activation, (and we're already closed for the day), you can call toll free 800.543.5073. During our business hours please call us. We'll be happy to help!
  • For other credit card customer service questions (and we're already closed for the day), you can call toll free 800.299.9842. During our business hours please call us. We'll be happy to help!
  • If you need to report a lost or stolen Visa Classic or Visa Gold Credit Card:
    • During our business hours, please call your local branch
    • Anytime, you can call toll free 800.325.3678
    • Outside the US, call 727.570.4881

For ACCESS FCU Visa Gold Credit Cards:

  • For card activation (and we're already closed for the day), you can call toll free 800.543.5073. During our business hours please call us. We'll be happy to help!
  • For other credit card customer service questions (and we're already closed for the day), you can call toll free 800.299.9842. During our business hours please call us. We'll be happy to help!
  • If you need to report a lost or stolen Visa Classic or Visa Gold Credit Card:
    • During our business hours, please call your local branch
    • Anytime, you can call toll free 800.325.3678
    • Outside the US, call 727.570.4881

Scorecard Rewards

ScoreCard Rewards is a rewards program offering Points for qualifying purchases, when you use your ACCESS Federal Credit Union VISA Gold Credit Card.

For every $1 you spend you earn one Point. Points can be redeemed for a variety of items, such as merchandise, airfare, hotels, travel packages, and more.

For more information on my ScoreCard Reward Points visit scorecardrewards.com.

Credit Card Phone Numbers

For ACCESS FCU Visa Classic or Visa Gold Credit Cards:

  • For card activation during our business hours, please call your local branch.
  • For card activation after our regular business hours, you can call toll free 800.543.5073.
  • For other credit card customer service questions after our regular business hours, you can call toll free 800.299.9842.
  • If you need to report a lost or stolen Visa Classic or Visa Gold Credit Card:
    • Anytime, you can call toll free 800.325.3678
    • Outside the US, call 727.570.4881
    • During our business hours, please call your local branch.

Fraud Protection

If you need to report a lost or stolen Visa Classic or Visa Gold Credit Card:

  • During our business hours, please call your local branch
  • Anytime, you can call toll free 800.325.3678
  • Outside the US, call 727.570.4881

Password-protect your Visa credit card for added safety online:

Introducing VERIFIED BY VISA.

A new way to add safety when you buy online! Protect your existing ACCESS FCU Visa credit card by creating a personal password as unique as you are. VERIFIED BY VISA helps ensure that only you can use your Visa credit card to buy online (at participating online stores). Register today! It takes just a few minutes to activate. Click here to activate now!