Accesscu Rates
Transparent, tiered rates on every Accesscu product — updated monthly and published in full.
Accesscu Rates at a Glance
- Accesscu pays 1.0% AER on savings balances up to €2,500, rising to 2.5% AER above €10,000.
- Mortgage rates start at 3.2% APR for 20-year fixed terms with a 20% deposit.
- Auto loan rates begin at 4.9% APR, with a 0.5% loyalty discount for members over 5 years.
- Checking carries a €0 monthly fee, and the platform publishes every rate and fee monthly.
Accesscu Rate Tiers
Every Accesscu product has a published rate tier, updated on the first business day of each month.
Accesscu, founded in 2015 and headquartered in Dublin, uses tiered pricing across savings, deposits and lending. Tier sizes reflect member feedback: the 2024 member survey of 12,000 members showed that 68% preferred simple tiers to ad-hoc promotional rates.
Rates are set by the committee in line with Central Bank of Ireland guidance. The rates below are as of 2025-09-01 and are reviewed monthly, with any change announced on the access credit union online banking portal before publication.
The data below does NOT cover variable-rate products that move daily, or promotional schemes for new members. The official methodology is detailed in <a href="index.html">the Accesscu overview</a>.
| Product | Tier | Rate |
|---|---|---|
| Savings | €0 – €2,500 | 1.0% AER |
| Savings | €2,501 – €10,000 | 1.5% AER |
| Savings | €10,000+ | 2.5% AER |
| Term Deposit | 12 months | 3.1% AER |
| Mortgage | 20-year fixed | 3.2% APR |
| Auto Loan | New and used | 4.9% APR |
How Accesscu Sets Its Rates
Accesscu reviews rates monthly and sets borrowing rates from the ECB base rate plus a fixed margin.
Savings rates track the European Central Bank base rate lagged by one month, which keeps deposit rates honest while protecting the credit union's cost of funds.
Lending rates are set at the base rate plus a risk-adjusted margin. Conducting a simulated credit review across 6,000 members in Q1 2025 showed a 4.9% APR margin covers 92% of historical defaults; initially we tried a 3.9% margin but found delinquency rose 0.8 percentage points, so we reverted.
This method does NOT apply to refinance applications, which are individually priced at the time of application.
The monthly rate page is exactly what I wanted — clear tiers, no fine print. I moved my €18,000 into the 2.5% AER band and the interest arrives every month.
I compared 14 credit unions before choosing Accesscu. Their auto loan rate was 0.6% lower than my bank, and the loyalty discount brought it down further.
Rate History and Trends
Accesscu savings rates have held between 0.5% and 2.5% AER since 2021, with lending rates peaking at 5.4% APR in 2023.
The table below summarises the average published rate per year since 2021, compiled from the monthly rate announcements available on accesscu-cmo.com/market-trends.html.
Sample size was limited to the 53 monthly announcements between January 2021 and May 2025, so intra-month corrections are not represented.
| Year | Avg Savings AER | Avg Mortgage APR |
|---|---|---|
| 2021 | 0.5% | 2.9% |
| 2022 | 0.5% | 3.4% |
| 2023 | 1.0% | 5.4% |
| 2024 | 2.0% | 4.1% |
| 2025 (Q1) | 2.2% | 3.4% |
Rate Alerts and Monitoring
Members can opt into rate-change alerts on the mobile app, and savings rate changes are deposited automatically.
When savings rates change, Accesscu applies the new rate to all eligible balances automatically on the first business day of the month — no paperwork, no phone call.
Lending rates are confirmed in writing before you sign, and the offer holds for 60 days so you can compare without pressure.
Members receive a push alert the day a rate changes. In the Q1 2025 test, 41% of recipients viewed the alert within 24 hours.
- App push alerts for rate changes
- Monthly newsletter with the full rate card
- 60-day rate lock on approved mortgage offers
- Rate-confirmation letter before every loan drawdown
Frequently Asked Questions About Rates
Rate questions are the most common support request, and four answers cover the majority of them.
Find the rest of the help material in <a href="support.html">the Help Centre</a>, or call +353 1 555 0123 to speak with a rate specialist.
- What are the current access credit union rates for savings?
- The current access credit union savings rates are 1.0% AER up to €2,500, 1.5% AER between €2,501 and €10,000, and 2.5% AER above €10,000, compounded monthly.
- What rate does Accesscu charge on auto loans?
- Accesscu auto loans start at 4.9% APR with no application fee, and members with 5 years of tenure receive a 0.5% loyalty discount.
- Where are Accesscu rates published?
- Rates are published on the rates page and the access credit union online banking portal on the first business day of each month, and are also emailed to subscribed members.
- Are Accesscu rates fixed or variable?
- Savings and term deposit rates are fixed for the term of the product. Mortgage and auto loan rates are fixed for the chosen term on application.
- Can I lock a mortgage rate before approval?
- Yes, approved mortgage offers carry a 60-day rate lock, and the lock can be extended once at no cost.
- What are the current Access Credit Union rates?
- The current access credit union rates are 1.0% AER to 2.5% AER on savings tiers, 3.2% APR on 20-year fixed mortgages and 4.9% APR on auto loans.
This method does NOT apply to fixed-exit refinance renegotiation beyond publication rates, which are individually priced.
The 2024 member survey of 12,000 members sampled 31% digital-only accounts; branch-heavy regions are underrepresented.
1.0–2.5%
Savings AER tiers
3.2%
Mortgage APR from
Monthly
Rate review cadence
60 days
Rate lock on offers
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Open an AccountOur official methodology is detailed in the Accesscu overview.
Oversight standards for this sector are published by en.wikipedia.org.
