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Deposit Accounts

With your initial $5.00 deposit into your savings account, and a one-time Membership Fee of $1.00, you are eligible for all Access Credit Union products and services.

  • Competitive Dividends – Earn dividends monthly based on the average daily balance for the month on all your accounts except Share Certificates, which are paid quarterly
  • Automatic Deposits – You can set up payroll deductions and direct deposits with your employer and government agencies
  • Consolidated Statements – Receive monthly statements of your checking and electronic transactions. Other member statements are posted quarterly
  • Federally Insured – For your safety and security, the cumulative balances of your deposit accounts are insured up to $250,000 by the NCUA, a U.S. Government Agency. IRA shares are insured separately up to $250,000 by the NCUA.

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ACCESS Checking Accounts

ACCESS Credit Union pays its members dividends earned on the average daily balance for the quarter for balances with a minimum $100

  • NO monthly services charge
  • NO per-item processing fees
  • NO minimum balance requirements
  • FREE ACCESS Mobile and Home Banking – 24/7 access from your computer, tablet, and smartphone to check your balances, transfer funds, make loan payments, view transactions and more
  • FREE automatic Overdraft Protection – From your savings account and/or ACCESS Courtesy Pay and Courtesy Pay Plus
  • EASY Deposits – at Co-op ATM’s, by mail, in person, through the night deposit box, from your phone using the RDC (Remote Deposit Capture) app, or by setting up a FREE direct deposit service with your employer
  • EASY Record-keeping – Your checks are printed in duplicate for an instant transaction record.

Download Deposit Slip

Money Market accounts earn higher dividends than a standard checking account.

  • Dividends are paid monthly
  • 3 FREE withdrawals per month
  • Requires a minimum deposit of $2,500 to earn dividends
  • Minimum check amount is $500.

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Save for the holidays and your vacation!

  • Deposit funds in your holiday & vacation accounts using online ACCESS Home Banking or by setting up an automatic deduction from your payroll deposit
  • Holiday Club accounts mature on 10/1
  • Vacation Club Accounts mature on 4/1
  • For your convenience, at maturity the balances are transferred to your savings account.

Holiday and Vacation Club

An Individual Retirement Account (IRA) is a great way to prepare for your retirement.

  • Choose between a traditional or Roth IRA
  • Make deposits at any time using direct deposit, ACCESS Home Banking, payroll deduction, in person, or by mail
  • Minimum initial deposit of $25
  • When your balance reaches $500, you can purchase higher-yield certificates of deposit.


A Coverdell Education Savings Account (ESA) helps you save for college.

  • TAX-FREE earnings on contributions for education
  • TAX-FREE withdrawals when the funds are spent on qualified expenses


  • - Coverdell ESA

Earn more on your money with a Certificate of Deposit!

  • Choose from a variety of terms, from 30 days to 5 years
  • 30 Days to 6 months: Minimum deposit $500
  • 6 months to 5 years: Minimum deposit $1000
  • Your money rolls over to the same term at a new rate at maturity
  • Penalties for early withdrawal
Call for details: (215) 788-0411

Running low on checks? Reorder today – it’s easy! CLICK HERE to order checks

Access Credit Union High Yield Savings (HYS) requires a $2,500 balance to earn dividends.

  • Dividends do not accrue on days when the ending balance is below the required balance.
  • Deposits of $2,500 or more earn 4.00% APY.
  • HYS owners are entitled to two FREE withdrawals per month, including the transfer of funds between shares or to another Access Credit Union account.
  • Accounts will be charged $10 per each additional withdrawals/transfer out.
See the Account Agreement and Disclosures for additional transaction limitations. Yields are effective as of 02/28/2024. APYs are subject to change.
APR (Average Percentage Rate) = 3.93%