Low Mortgage Rates & Quick Auto Loans | Advantage Rochester NY Credit Union

Introduction

Welcome to Advantage, your trusted credit union located at 225 W Broad St, Rochester, NY 14608. Since our establishment in 1975, we have dedicated ourselves to serving our members with integrity and compassion. At Advantage, we pride ourselves on being more than just a financial institution; we're a community partner committed to helping you achieve your financial goals. With a robust membership base of over 34,794 individuals, Advantage boasts total assets of $479,479,260 and total deposits amounting to $17,261,372. Our strong financial standing is reflected in our net worth of $44,790,908 and cash in hand totaling $2,366,206. We understand that every dollar matters; that's why we've facilitated 25,456 loans and leases to support our members' dreams and aspirations. Our leadership team is here to guide you every step of the way. Under the stewardship of CEO Jeff Bocach and Board President Tom Yale, we focus on delivering personalized services tailored to your unique needs. Whether you're looking for checking accounts, auto loans, or mortgage refinancing options, we are here to help you navigate the financial landscape with ease. If you need assistance or have any questions about our services, feel free to give us a call at 585-454-5900. We encourage you to visit us at our branch or explore our website at Advantage FCU for more information. While members can visit us at our physical location for all banking needs, please note that official correspondence should be sent to our mailing address: 1975 Buffalo Road, Rochester, NY 14624. Join us today and experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

Community Commitment

At Advantage, we believe in giving back. We actively engage with local organizations and initiatives aimed at uplifting our community. By forming partnerships and participating in outreach programs, we aim to create lasting positive impacts beyond just banking. While members can visit us at 225 W Broad St, official correspondence should be sent to 1975 Buffalo Road, Rochester, NY 14624 if necessary.

Join Us

Our operating hours are designed to fit your busy schedule: Monday through Thursday from 9 AM to 4:30 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. If you're looking for a financial partner that truly cares about your well-being and success, look no further than Advantage. We invite you to join us and experience the benefits of being part of a credit union that puts people first. Visit us today or explore more on our website at Advantage FCU to learn how we can assist you in achieving your financial goals!

Our Story

From humble beginnings, Advantage has evolved into a trusted financial institution that prioritizes its members' needs. Our mission is simple yet profound: to provide accessible and affordable financial services while fostering a sense of community among our members. Whether it's personal banking solutions like checking and savings accounts or loans for vehicles and mortgages, we strive to meet the diverse needs of our members with integrity and care. As we celebrate over four decades of service, we've embraced advancements in technology while ensuring that all our services are ADA compliant. We understand that convenience matters; that's why we offer online banking and mobile applications to make managing your finances easier than ever. With ATM availability and drive-thru banking options, our members can access their funds when they need them most.

Branch Location & Accessibility

Contact Us

Have questions or want more information? Feel free to give us a call at 585-454-5900. Our friendly team is always ready to assist you with any inquiries or concerns. Come visit us at Advantage today your trusted partner in financial success!

Operating Hours

We're here for you during convenient hours! Visit us Monday through Thursday from 9 AM to 4:30 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Our extended hours on Fridays and availability on Saturdays make it easy for you to fit banking into your busy schedule.

Parking and Accessibility

We know that accessibility is key when it comes to banking. That's why we offer ample parking right outside our branch. Plus, our facilities are ADA compliant, ensuring that everyone can easily access our services. With ramps and other features in place, we strive to make your visit as comfortable as possible.

Services Offered

At Advantage, we provide a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need cash? We have ATM access available for quick withdrawals or balance checks. Prefer face-to-face service? Our drive-thru banking allows you to handle deposits and simple transactions without leaving your car. If you're a member of another participating credit union, take advantage of our shared service center for basic transactions like deposits and withdrawals.

Member Eligibility

Joining the Advantage family means becoming part of a caring community that prioritizes your financial well-being. At Advantage, located at 225 W Broad St, Rochester, NY 14608, we welcome anyone who lives, works, worships, or attends school in Monroe County to become a member. If you have a close family member who is already part of our credit union, you're also eligible! This friendly and inclusive environment offers numerous benefits like personalized service and competitive rates. To learn more about the specific eligibility criteria, please visit our detailed page at http://www.advantagefcu.org/banking/membership/ . Opening an account is simple and straightforward. You can start your membership journey by checking out our account opening process online at https://www.advantagefcu.org/loans/apply-for-a-loan/ , or feel free to give us a call at 585-454-5900 for assistance. We look forward to welcoming you into our community!

Business Banking & Commercial Services

At Advantage, we understand that every business has unique challenges and opportunities. That's why we offer tailored business banking solutions designed to help you thrive. Whether you're launching a startup or expanding an established company, our commercial loan options are here to support your journey. Imagine having access to the right funding at just the right moment. With our commercial loans, you can invest in new equipment, increase inventory, or even hire more staff. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, our merchant services simplify daily operations. From secure payment processing to cash management solutions, we help you focus on what really matters growing your business. Ready to take the next step? Visit us at 225 W Broad St Rochester Ny 14608, Rochester, NY, or call us at (585) 454-5900 to learn how we can assist you today!

Comprehensive List Of Services

Business Banking

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are designed to help your company thrive. We understand the importance of quick access to funds and efficient transaction processes.

Convenient Access & Support

At Advantage, convenience is key. We offer various ways to access your funds easily: from ATM and cash withdrawal services to basic drive-thru banking for simple transactions like deposits and withdrawals. If you're a member of a partner credit union, our shared branch transactions allow you to perform deposits and withdrawals as well.

Credit Cards & Rewards

For those who enjoy rewards for their spending, our credit cards with rewards program allows you to earn points on everyday purchases. These points can be redeemed for travel, merchandise, or cash back making each purchase even more valuable.

Personal Banking Solutions

We understand that managing your personal finances can be challenging. That's why we offer a variety of checking and savings accounts that fit different lifestyles and goals. Imagine having easy access to your funds through our online and mobile banking platforms. With these tools, you can check your balance, make transfers, and pay bills from anywhere at any time. If you're considering purchasing a car or refinancing your existing auto loan, our auto loans and vehicle financing options can help you get behind the wheel without stress. We also provide mortgage loans and refinancing solutions to support you in buying or upgrading your home. Plus, if you're facing unexpected expenses or looking to consolidate debt, our personal loans and debt consolidation services offer flexible terms to suit your needs.

Stay Connected Anytime

With features like e-statements and electronic signature authentication, staying connected with your finances has never been easier or more secure. Our commitment to digital banking ensures that you have control over your financial decisions right at your fingertips. For any questions or assistance, feel free to reach out to us at (585) 454-5900 during our operating hours: Monday through Thursday from 9 AM to 4:30 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Explore all that we offer by visiting us at Broad Street, where we're dedicated to serving you every step of the way! Whether you're opening an account or seeking advice on loans, let's build a brighter financial future together.

Digital & Online Banking

At Advantage, we understand that your time is valuable. That's why our digital and online banking services are designed with your convenience in mind, offering you secure access to your finances from anywhere, at any time. With our online banking platform, you can manage your accounts 24/7. Whether you're checking your balance, transferring funds, or paying bills, everything is just a click away. Plus, our electronic signature authorization feature makes it easy for you to sign documents securely without the hassle of printing and scanning. For those who prefer going paperless, we provide e-statements so you can view your account statements anytime you like. Keeping track of your financial activity has never been easier! And if you're on the go, our mobile application allows you to access all these features right from your smartphone. Need to send money to a friend? Our person-to-person transfer service lets you do that quickly and securely. Just a few taps on your phone and you're done! Security is our top priority. We use advanced measures to ensure that your information is safe while using our services. Enjoy peace of mind knowing that you have full control over your banking needs whenever and wherever you want. Whether it's managing day-to-day transactions or accessing important documents, Advantage has the tools to make banking simple and straightforward for you. Join us today and experience the ease of modern banking!

Financial Strength

Continuous Investment in Services

With $43,373,720 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is evident with $7,092 in used auto loans and $338,503,554 in total loans and leases, supporting your financial goals across various sectors.

Growing Community Trust

The strength of our credit union is reflected in the trust placed by our members. With a total of 64,261 share accounts, we demonstrate a strong and growing member base that chooses Advantage as their trusted financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Advantage is your trusted partner. Visit us at 225 W Broad St Rochester Ny 14608 or call (585) 454-5900 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $64,418,467 in share certificates and $46,476,469 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $17,563,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $291,027, which empowers us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 93 full-time employees and 5 part-time employees who ensure our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $44,790,908, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $933 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Loan Options

For those looking for extra financial flexibility, our total credit lines amount to $212,098,728, providing resources for various needs. If you're a business owner, we are currently offering outstanding commercial loans totaling $0 to help you grow and expand your operations. We believe in making the loan application process straightforward and accessible. If you're considering refinancing any existing loans or want to explore eligibility options, please don't hesitate to reach out. Our friendly team at Advantage, located at 225 W Broad St Rochester Ny 14608, Rochester, NY, is ready to help you navigate your financial journey. You can contact us at (585) 454-5900 during our operating hours: Monday to Thursday from 9 AM to 4:30 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We are committed to supporting our members with transparent information and excellent service. Let us assist you in achieving your financial goals today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $85,884,454 in used vehicle loans and $45,067,357 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, our team is here to assist you with competitive rates and flexible terms.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $89,768,697, make buying or refinancing simple. We can guide you through the process, ensuring you understand all available options and find what works best for your situation.

Unsecured Credit Card Loans

Managing day-to-day expenses can be tricky. That's why we also offer flexible terms on unsecured credit card loans, with a total of $35,520,760 in loans helping members manage their finances effectively. Enjoy peace of mind knowing that you have access to funds when you need them most.

Loan Aggregator

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment ensures that users receive fair and transparent offers.

ADVANTAGE FEDERAL CREDIT UNION