Deposit Accounts


With your initial $5.00 deposit into your savings account, you are eligible for all of the products and services offered by Access Credit Union.

  • Competitive Dividends – dividends are paid monthly based on the average daily balance for the month, on all accounts, with the exception of Share Certificates. Certificates are paid quarterly.
  • Federally Insured – for your safety and security, your cumulative balances of your deposit accounts are insured up to $250,000.00 by the NCUA, a U.S. Government Agency.
  • IRA shares are insured separately up to $250,000.00 by the NCUA, a U.S. Government Agency.
  • Automatic Deposits – Payroll deductions and direct deposits may be set up with your employer and Government Agencies.
  • Consolidated Statements are sent to members monthly for those with checking and electronic transactions on their accounts. Other member’s statements are created quarterly.

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Access Checking Accounts

Download Deposit Slip


Checking – Open your Access Checking account. There are NO monthly service charges, NO per-item processing fees and NO minimum balance requirements. The credit union pays its members dividends earned on the average daily balance for the quarter on balances of a minimum $100.00
Easy deposits and more

  • You can make deposits at deposit-taking Co-Op ATM’s, by mail, in person or through the night deposit box. Better yet, use the FREE direct deposit service and you’ll save the time and hassle of waiting in line every payday.

  • Your checks are printed in duplicate for easy record keeping

  • You can set-up automatic Overdraft Protection from your Savings Account and/or Access Courtesy Pay and Courtesy Pay Plus.

  • Use Access Home Banking FREE. You can access your accounts 24 hours a day 7 days a week, from any computer with internet access. You can check balances, transfer funds, make loan payments, view and print cleared checks and much much more.

  • Use ATLAS our 24 hour touch tone teller system at 1-800-622-7002 to obtain account information, transfer funds, request withdrawals and much much more.


Earn higher dividends
Dividends paid monthly
Minimum deposit $2,500.00 to earn dividends
Minimum check amount $500.00
3 Withdrawals FREE per month

Save for the holidays and your vacation through payroll deduction or by making transfer on Access Home Banking. Holiday Club accounts mature on 10/1 and Vacation Club Accounts mature on 4/1. For your convenience, at maturity the balances are transferred to your savings account.

Traditional, Roth, Coverdell IRA – With a minimum of $25.00 you can set up a Traditional IRA and/or Roth IRA, then make deposits throughout the year as your budget allows via Payroll Deduction, Direct Deposit, mail or in person. Once your balance reaches $500.00 you can start to purchase high yields certificates of deposit.

Click below to learn more about our products:

Terms from 30 days to 5 Years
30 days up to 6 months minimum deposit $500.00
Terms greater than 6 months minimum deposit $1,000.00
Penalties for early withdrawal
Automatic roll-over at new rate for the same term at maturity.
Call for Details!

Click here to order your checks.