Savings & Term Deposits



Click Here to See Our Current Deposit Rates

Savings Options for Everyone

We offer our members a variety of savings account options with competitive rates to help you and your family reach your financial goals. From saving for your first car to retirement, we are here to help your money grow no matter what stage of life you are in. All accounts at Access are federally insured by the NCUA up to $250,000 with addition insurance provided by ESI (Excess Share Insurance) at no cost to you.


    Everyone should have a safe place to put their hard-earned dollars. A traditional savings account at Access CCU is free, offers competitive interest rates, free access to ATMs all over the city and country, while helping you save for the future.

Certificates of Deposit offer a secure investment while earning higher interest than traditional savings accounts. Our CD's compound interest on a monthly basis, helping you earn even more. Click HERE to see our current deposit rates.
  • Minimum deposit of $5,000
  • Deposit terms range from 6 months to 5 years
  • Federally insured by the NCUA up to $250,000 with an additional $250,000 of insurance by ESI(Excess Share Insurance)
  • You can renew your CD through email by sending a request to
  • A Money Market Account is an excellent savings tool that earns higher interest than traditional savings, but allows you more flexibility with your money than a Certificate of Deposit.
  • Minimum balance of $2,500. If balance falls below $2,500 a fee may apply.
  • Federally insured by the NCUA up to $250,000 with an additional $250,000 of insurance by ESI(Excess Share Insurance)
  • You can withdraw money from your money market account up to 6 times per month without any fees.
  • IRA's provide you with a tax vehicle while saving for retirement. We offer both Traditional and Roth IRA's.
  • Traditional IRA's
  • Traditional IRA's allow you to make tax-deductible contributions to the account up to a certain annual amount depending on your age. In addition, you avoid paying taxes on the interest earned until you withdraw the money for retirement. We offer both savings and Certificates of Deposits for Traditional IRA's.
  • Roth IRA's
  • A Roth IRA allows you to make contributions to the account that are not tax deductible, but you DO NOT pay taxes on the interest earned when you withdrawal the money. This means once you are at retirement age, withdraws from a Roth account come to you tax-free. We offer both savings and Certificates of Deposit for Roth IRA's.
  • IRA Certificate of Deposit
  • Once your IRA reaches $10,000 balance you can move the funds into an IRA Certificate of Deposit. Like regular CDs you can earn a higher dividend rate by locking a term of 6, 12, or 24 months. Grow your retirement nest egg starting today with an IRA CD.
  • Penalties
  • You will incur financial penalties if you withdrawal money from any IRA before the age of 59 1/2. You must begin withdrawing from any IRA by age 70 1/2.

    Access offers options for teaching youth how to begin their financial journey and develop lifelong financial skills.
  • Sammie Saver Accounts*
  • Sammie Saver accounts are a fun and rewarding way to encourage young savers to learn the basics of successful personal finance. Click HERE to learn more.
  • Kids 5 years and younger can come inside any branch lobby and make a deposit in person and receive a fun reward from the toy chest.
  • Kids 5 years and older who have a report card can come inside any lobby in person and be rewarded with $10 deposit for straight A’s and $5 deposit for a mix of A’s and B’s. This is a great way to encourage the littles to save and make good grades with fun incentives. They are treated like members, because they are!
  • TUTMA (Texas Uniform Transfer to Minors Act)
  • A TUTMA account is a savings account set up for a minor by someone older than 21 years who will serve as the custodian until the minor turns 21. This is a great way to save money for your kids or grandkids while remaining the authorized signer of the funds.


    Auto - As low as 4.99%
    Home Equity - Please Call
    Signature - As low as 10.90%
    Money Market - 0.80% - 1.50%
    6 Month CD - 3.00%
    12 Month CD - 3.25%





    With 4 locations and over 40 ATMs in Amarillo, and over 50,000 ATMs nationwide, you can be sure that you have Access whenever you need it.

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    Access Community Credit Union is committed to serving all persons within our field of membership, including those with disabilities. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 1-800-687-2990 so that we may promptly assist you and remedy any accessibility concerns.

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