Affordable Vehicle Loans & Top Checking Accounts | Advantage Rochester NY Credit Union

Introduction

Welcome to Advantage, your trusted credit union located at 1975 Buffalo Rd, Rochester, NY 14624. Established in 1975, we have proudly served our community for over four decades, growing our membership to nearly 34,794 members who rely on us for their financial needs. With total assets reaching an impressive $479,479,260, we are committed to providing personalized services and competitive rates. At Advantage, we understand that each member's journey is unique. That's why we offer a range of services designed to help you achieve your financial goals whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans, mortgages, or credit cards with rewards. Our dedication to excellent service has earned us a solid reputation within the community. Our leadership team, led by CEO Jeff Bocach and Board President Tom Yale, is focused on ensuring that every member feels valued and supported. With a total of 98 employees, our staff is ready to assist you with any questions or concerns you may have. You can reach us at (585) 454-5900 during our convenient 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. While members can visit us at our branch location for in-person support, official correspondence should be sent to our mailing address at 1975 Buffalo Rd, Rochester, NY 14624. Join the Advantage family today and experience the difference of being part of a community-focused credit union! Visit us online at Advantage FCU or give us a call to learn more about how we can assist you on your financial journey.

Branch History & Mission

Community Focus

Our commitment extends beyond financial transactions; it's about building relationships. With dedicated staff who care about your success and well-being, we work tirelessly to create an environment where every member feels valued and supported. The presence of a shared service center allows us to extend our reach further, ensuring that even more people can benefit from our services. As we continue on this journey together, we invite you to join us at Advantage. Experience firsthand how we can help you achieve your dreams while being part of a community-oriented family. For more information or assistance, please call us at 585-454-5900 or visit our website. Join us today and become part of something special!

Our Journey

From our inception, Advantage has focused on empowering members with the tools they need to achieve their financial goals. Over the years, we have proudly welcomed 34,794 members and amassed total assets of $479,479,260. This growth reflects not only our commitment to excellence but also the trust that our community places in us. Our branch has continually evolved to meet the changing needs of our members. We are proud to offer a range of services from personal banking options like checking and savings accounts to auto loans and mortgages. As technology has advanced, so have we. Our online banking platform and mobile application ensure that members can manage their finances conveniently and securely from anywhere.

Our Mission

At Advantage, our mission is clear: to provide exceptional financial services while fostering a sense of belonging within our community. We believe in supporting not just individual financial wellness but also contributing to the greater good of Rochester. Through partnerships with local organizations and initiatives aimed at improving lives, we strive to create a positive impact that goes beyond banking. While you can visit us at 1975 Buffalo Rd, please note that official correspondence should be sent to the same address as our mailing address remains unchanged. We are also pleased to offer ATM availability and drive-thru banking, making it easy for you to access your funds when you need them.

Branch Location & Accessibility

Convenient Access and Parking

At Advantage, we understand how important accessibility is for our members. Our branch features ample parking right outside, ensuring you can get in and out with ease. We also prioritize accessibility for all, with ADA-compliant facilities and ramps available for those who need them.

Friendly Services Await

Our operating hours are designed to fit your busy schedule. You can 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. We're here to help you with everything from personal banking needs to auto loans and credit cards all backed by friendly service. For added convenience, our branch offers both ATM services and drive-thru banking. This means you can handle deposits, withdrawals, and simple transactions without leaving your car. If you need additional services such as shared banking options with partner credit unions, we've got that covered too!

Stay in Touch

If you have any questions or need assistance, don't hesitate to give us a call at 585-454-5900. Our team is ready to assist you! We invite you to come by Advantage at 1975 Buffalo Rd. Experience our welcoming atmosphere and discover how we can meet your banking needs today!

Member Eligibility

At Advantage, we believe that becoming a member is like joining a close-knit family where you can access personalized financial services tailored just for you. If you're wondering how to become part of our community, it's quite simple! We welcome individuals who live, work, worship, or attend school in the Rochester area. This means that if you have ties to our vibrant community, you're likely eligible to join us. Not only will you enjoy competitive rates on loans and savings accounts, but you'll also have the opportunity to participate in community events and initiatives that make a difference right here at home. For more detailed information about eligibility criteria, feel free to visit our website at this link. When you're ready to take the next step towards opening your account, the process is straightforward and user-friendly. You can learn more about how to start your membership journey by visiting our account opening page. If you have any questions or need assistance along the way, don't hesitate to give us a call at (585) 454-5900. We're here to help you every step of the way! Come join us at our branch located at 1975 Buffalo Rd Rochester Ny 14624, and let's build a brighter financial future together.

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans and $0 in non-member commercial loans, we are eager to work with you to find financing options that fit your needs. Imagine having the funds to expand your operations, invest in new equipment, or hire additional staff. Our team is here to help turn those plans into reality. With an outstanding commercial loan portfolio of $0, we aim to drive economic growth by financing new and expanding businesses when the opportunity arises.

Merchant Services

Beyond loans, we also offer merchant services designed to simplify transactions for your business. Whether you're running a brick-and-mortar store or an online shop, having efficient payment processing can enhance customer satisfaction and improve cash flow. Our merchant services provide easy integration with various payment methods, enabling you to focus on what matters most growing your business. Join us at Advantage and discover how our business banking and commercial services can propel your enterprise forward. For more information, reach out at (585) 454-5900 or visit us online at https://www.advantagefcu.org/ .

Comprehensive List Of Services

ATM & Drive-Thru Services

Accessibility is crucial for our members. We proudly offer ATM and cash withdrawal services along with basic drive-thru banking options where you can perform simple transactions like deposits and withdrawals without leaving your vehicle. This means less hassle and more time for what matters most.

Business Banking

For our business members, we provide essential services including merchant services and business loans. These offerings help local businesses thrive by simplifying transactions and providing necessary funding for growth.

Credit Cards and Rewards

At Advantage, we understand the importance of rewards when it comes to credit cards. That's why we offer credit cards with rewards that allow you to earn points on every purchase. Picture this: using your card for daily expenses while accumulating points toward exciting rewards!

Online & Mobile Banking

In today's busy world, convenience is key. That's why we prioritize our online and mobile banking services. You can check balances, transfer funds, or pay bills right from your phone or computer. With features like person-to-person payments, managing your finances has never been easier.

Personal Banking

Our personal banking services include checking and savings accounts that help you manage your finances effectively. Imagine effortlessly tracking your spending or setting aside money for that dream vacation. Our accounts come with features like online access and e-statements, making it easy to stay on top of your finances from anywhere. If you're considering purchasing a new car or refinancing your existing vehicle, our auto loans and vehicle financing options provide competitive rates to get you behind the wheel without breaking the bank. For those looking to invest in real estate, we offer mortgage loans and refinancing solutions that fit various budgets and lifestyles. Need some extra cash for unexpected expenses? Our personal loans and debt consolidation options can help you manage bills more effectively, allowing you to focus on what truly matters.

Shared Branch Transactions

As part of our commitment to community banking, we also facilitate basic shared branch transactions for partner credit union members. This allows even greater flexibility when accessing funds or making deposits. --- At Advantage, we're here to support your financial journey every step of the way. Our friendly team is ready to assist you with any questions or concerns you may have regarding our services. Don't hesitate to reach out at (585) 454-5900, or visit us at 1975 Buffalo Rd Rochester Ny 14624! Explore all that we offer by visiting our website at Gates. Let us help you achieve your financial goals today!

Digital & Online Banking

Key Features

Our online banking service is available 24/7, ensuring you have access to your accounts whenever you need it. Whether you're checking your balance, transferring funds, or paying bills, everything can be done with just a few clicks. For added convenience, we also provide electronic statements, making it easy to stay organized and eco-friendly. Need to sign documents? No problem! Our electronic signature authorization feature allows you to complete transactions securely without the need for paper. Plus, if you're ever in a pinch and need to send money to friends or family, our person-to-person transfer service has got you covered.

Mobile Banking Made Easy

For those who prefer using their smartphones, our mobile application makes banking on-the-go a breeze. You can download the app and enjoy features like real-time account monitoring and quick access to your financial information. While mobile payments are not yet available, our user-friendly app ensures that managing your money is still simple and straightforward. At Advantage, we prioritize your security. Our online banking services are equipped with advanced security measures to protect your personal information and transactions. So whether you're at home or out and about, rest assured that your financial activities are safe with us. In summary, digital banking at Advantage is all about making your life easier while keeping your information secure. Explore all these features today by visiting https://www.advantagefcu.org/ and take control of your finances with ease!

Financial Strength

Growing Member Base

We are proud of our strong member base with a total of 64,261 accounts. This growth signifies trust from our community in managing their finances effectively. 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 1975 Buffalo Rd Rochester Ny 14624 or call (585) 454-5900 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Investing Back into Our Community

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 community extends to lending; with $7,092 in used auto loans and $338,503,554 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member-Centric Savings Opportunities

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 $291,027 reflects our operational efficiency, enabling 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $44,790,908, we maintain strong 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

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 new model or a reliable used vehicle, our competitive rates ensure you get the best deal possible.

Credit Lines

For those looking for additional financial flexibility, we have credit lines available totaling $212,098,728. This option allows you to borrow as needed while only paying interest on what you use. If you're considering refinancing any existing loans or want to know more about eligibility options for our products, don't hesitate to reach out. Our friendly staff is ready to assist you with all your questions! For more information or to apply for a loan today, call us at 585-454-5900 or visit our website at Advantage FCU. 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're here to support you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $89,768,697, making buying or refinancing simple. We provide flexible terms and personalized service to guide you through every step of the process.

Unsecured Credit Card Loans

Managing everyday expenses can be easier with our unsecured credit card loans. We also offer flexible terms on these loans, with a total of $35,520,760 already helping members manage their finances effectively. This is an excellent option for those who prefer to keep their spending within a manageable limit without collateral.

Loan Aggregator

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ADVANTAGE FEDERAL CREDIT UNION