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Advantage Federal Credit Union

Overview / Commentary
1975 Buffalo Rd
Rochester, NY 14624

Advantage Federal Credit Union is headquartered in Rochester and is the 34th largest credit union in the state of New York. It is also the 758th largest credit union in the nation. It was established in 1975 and as of March of 2019, it had grown to 87 employees and 35,135 members at 10 locations. Advantage Federal Credit Union's money market rates are 6X the national average, and it has an A health rating.

Field of Membership Restrictions

Eligible members are those working for select employer groups or those who live, work, worship or attend school in Rochester. Also open to Businesses and other legal entities in the City of Rochester.
See current membership details

Related Posts

5-Month CD Special, 2.50% APY - 8/3/2018

Advantage FCU (Rochester, NY) is a limited time 5-month Special Term Share Certificate (2.50% APY). Minimum deposit is $500 (new money). City membership is open to zip codes 14604 through 14616; 14619 through 14621; 14627; 14649; or 14652. Advantage is proud to be affiliated with such organizations as the University of Rochester, The Rochester City School District, Rochester General Hospital, Rochester Institute of Technology and now Advantage can provide its products and services to people who previously were not afforded the opportunity to belong to a credit union. Any public, private or parochial school, university or college in Monroe County not currently served by a credit union is eligible for membership.

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Reviews (2)

Advantage after identiyi theft

My fiance and I had just finished combining both of our checking accounts with advantage. No sooner than we did our accounts were victims of identity theft. Our personal banker spent an entire afternoon with us helping us recover. Finding all the automatic debits we had just set up in order to help re set them up. Anything she couldn't help with that day she immediately started on the next morning. All of our accounts were re created and dealt with within 48 hours. Advantage took a bad situation and made it so much easier.

Scamming And Excessive Fees

Posted by: lawrenceW | Jun 27, 2019

On two separate occasions, this bank has illegitimately taken money from my account via really exorbitant fees. If you attempt to discuss the fees with them, they'll simply close the ticket and ignore you.

Awful bank - avoid at all costs.


Health Grade Components

NCUA #24181
Year Chartered1975
Primary Regulator
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD6.17%
Annual Interest Income$3.6MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$338.5MM$329.0MM
LoansQ1 2019vs Q1 2018$242.6MM$241.7MM
DepositsQ1 2019vs Q1 2018$261.9MM$247.0MM
Equity CapitalQ1 2019vs Q1 2018$31.4MM$28.0MM
Loan Loss AllowanceQ1 2019vs Q1 2018$1.4MM$1.1MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$816.00K$1.0MM
Real Estate OwnedQ1 2019vs Q1 2018$0$0
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Always verify rates and promotions with the bank or credit union. We are not Advantage Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Advantage Federal Credit Union Savings Account Rates

0.50%--Youth Savings
0.05%--Vacation Club
0.05%--Basic Savings
0.05%--Holiday Club

Advantage Federal Credit Union Money Market Rates

2.50%*$400k*-Money Market PLUS
OTHER TIERS: 1.25% $75k - $125k | 1.75% $125k - $200k | 2.00% $200k - $400k
0.45%*$50k*-Money Market
OTHER TIERS: 0.15% Up to $10k | 0.25% $10k - $25k | 0.35% $25k - $50k

Advantage Federal Credit Union Checking Account Rates

0.55%*$75k*-Smart Money Checking
OTHER TIERS: 0.25% Up to $5k | 0.35% $5k - $25k | 0.45% $25k - $75k

Advantage Federal Credit Union CD Rates

2.50%$500-5 Month Share Certificate Special - New Money
1.50%$500-60 Month Term Share Certificate
1.30%$500-48 - 59 Month Term Share Certificate
1.00%$500-36 - 47 Month Term Share Certificate
0.90%$500-30 - 35 Month Term Share Certificate
0.75%$500-24 - 29 Month Term Share Certificate
0.70%$500-18 - 23 Month Term Share Certificate
0.60%$500-12 - 17 Month Term Share Certificate
0.40%$500-6 - 11 Month Term Share Certificate

Advantage Federal Credit Union IRA Rates

2.50%$500-14 Month IRA Special - New Money
1.50%$500-60 Month IRA Certificate
1.30%$500-48 - 59 Month IRA Certificate
1.00%$500-36 - 47 Month IRA Certificate
0.90%$500-30 - 35 Month IRA Certificate
0.75%$500-24 - 29 Month IRA Certificate
0.70%$500-18 - 23 Month IRA Certificate
0.60%$500-12 - 17 Month IRA Certificate
0.40%$500-6 - 11 Month IRA Certificate

Cities: Rochester

Rochester Branches
Branch Office225 W Broad StRochester, NY 14608
Branch Office1625 Mount Hope AveRochester, NY 14620
Branch Office1000 South AveRochester, NY 14620
Branch Office2515 Browncroft BlvdRochester, NY 14625
Main Office70 Metro ParkRochester, NY 14623
Branch Office1445 Portland AveRochester, NY 14621
Branch Office38 Lomb Memorial DrRochester, NY 14623
Branch Office260 Crittenden BlvdRochester, NY 14642-0002
Branch Office1975 Buffalo RdRochester, NY 14624
Corporate Office225 W Broad StRochester, NY 14608

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