Membership Information

Access Community Credit Union is a cooperative financial institution, owned and controlled by the people who use its services. These people are members. It serves groups that share something in common, such as where they work, live or go to church or school.

The Credit Union is not-for-profit, and exists to provide a safe, convenient place for members to save money and to get loans at reasonable rates.

Like other financial institutions, Access Community Credit Union is closely regulated. And it operates in a very prudent manner. The National Credit Union Share Insurance Fund, administered by the National Credit Union Administration, an agency of the federal government, insures deposits of Credit Union members. Deposits are insured up to $100,000.

What makes your credit union different from a bank or a savings & loan? Like credit unions, these financial institutions accept deposits and make loans - but unlike credit unions, they are in business to make a profit. Banks and savings & loans are owned by stockholders whose interests include earning a healthy return on their investments.

Professionalism

A professional staff handles the day-to-day operation of the credit union in accordance with the state and federal regulations. Elected by and from the membership, the Board of Directors is responsible for setting the policies and establishing guidelines.

Security

Your accounts are federally insured up to $100,000 by the National Credit Union Administration (NCUA), a U.S. government agency, and independent audits are conducted regularly to ensure proper handling of funds.

Dependability

Your Credit Union provides services to meet your changing needs throughout your lifetime. From youth to retirement, "once a member, always a member" is the policy. Even if you move, retire or change employers, your membership is here for you.

Access Community Credit Union has been awarded Bauerfinancial's EXCEPTIONAL Rating, for having earned a 5-Star SUPERIOR rating, the highest rating awarded, for 52 consecutive reporting periods.