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

Introduction

Welcome to Advantage, your trusted financial partner located at 260 Crittenden Blvd, Rochester, NY 14642. Established in 1975, our credit union has grown to serve over 34,794 members with a strong commitment to community and member satisfaction. We take pride in our total assets of $479,479,260, ensuring that we have the resources to meet your financial needs effectively. At Advantage, we're dedicated to providing a wide range of services including personal banking options such as checking and savings accounts, auto loans, mortgage loans, and business banking solutions. With total deposits reaching $17,261,372 and a net worth of $44,790,908, you can trust that your money is safe with us. Our experienced team of 98 employees, led by CEO Jeff Bocach and Board President Tom Yale, is here to help guide you through your financial journey. While members can visit us at our branch address for personal service, official correspondence should be sent to our mailing address at 1975 Buffalo Road, Rochester, NY 14624. We're more than just a credit union; we're an integral part of the Rochester community. Our goal is to support you with valuable financial products tailored to your unique lifestyle. Whether you're looking for competitive loan rates or convenient online banking options such as mobile applications and e-statements Advantage is here for you. With our robust offerings and community-oriented approach, we invite you to reach out or visit us today! Call us at 585-454-5900 during our operating hours from Monday to Friday, 9 AM to 5 PM. Experience the difference with Advantage where your financial success is our top priority!

Branch History & Mission

Community Commitment

Advantage is proud to be more than just a financial institution; we are your neighbors. Our shared service center allows us to collaborate with other credit unions, ensuring that you always have access to essential services. Although we currently do not have ATMs or drive-thru banking available at this location, we offer a variety of digital services including online banking and mobile applications that enhance convenience for all members. As we look forward, we invite you to join us on this journey. Experience firsthand the benefits of being part of Advantage where your financial goals become ours too. Visit us today or check out our website at Advantage FCU for more information on how you can become a member and take advantage of everything we have to offer!

Mission Statement

At the heart of Advantage lies our mission: to improve the financial lives of our members while actively contributing to the well-being of our community. We strive not just to offer competitive rates and excellent service but also to engage with local organizations through partnerships and outreach programs. We believe that by investing in our community's future, we can help create a better tomorrow for everyone. While you can visit us at 260 Crittenden Blvd for all your banking needs during our operating hours from Monday to Friday between 9 am and 5 pm, any official correspondence should be sent to our mailing address at 1975 Buffalo Road, Rochester, NY 14624.

Our Evolution

Over the years, Advantage has evolved to meet the changing needs of our community. We started as a small credit union with a mission to provide reliable financial services tailored for individuals and families. As we expanded, so did our offerings from personal banking solutions like checking and savings accounts to auto loans, mortgages, and business banking services. Each step of our journey has been guided by a commitment to support our members' financial wellness while fostering community growth. Our headquarters in Rochester serves as the backbone of our operations. With dedicated staff who truly care about member service, we aim to create meaningful relationships that empower our members. Whether you are looking for assistance with online banking or have questions about loan options, our team is here for you.

Branch Location & Accessibility

Accessibility Features

We take pride in making our branch accessible for everyone. The facility complies with ADA standards, featuring ramps and spacious entryways. This means all members can comfortably access our services without any barriers.

Contact Us

If you have questions or need assistance before visiting, feel free to call us at 585-454-5900. We look forward to welcoming you into our Advantage family! Whether you're a new member or have been with us for years, we're excited to serve your financial needs at our Rochester location.

Convenient Location and Nearby Landmarks

Situated in the heart of Rochester, our branch is easily accessible and close to popular local spots. You can find us near notable landmarks such as the University of Rochester, making it convenient for students and staff alike. Parking is available right outside our doors, ensuring that your visit is hassle-free.

Operating Hours and Services Offered

Our lobby hours are designed to fit your busy schedule, open Monday through Friday from 9 AM to 5 PM. While visiting us, you can enjoy various banking services such as checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. If you're part of a partner credit union, we also offer basic shared branch transactions for deposits and withdrawals!

Member Eligibility

At Advantage, we believe that becoming a member is about joining a caring community that supports your financial journey. If you live, work, worship, or attend school in Monroe County, you're already on the path to membership! Additionally, family members of current members are also eligible to join. This makes it easy for you to enjoy all the benefits we offer, from personalized service to competitive rates on loans and savings accounts. To learn more about the specific eligibility criteria and see if you qualify, please visit our detailed page at http://www.advantagefcu.org/banking/membership/ . Opening an account with us is straightforward and welcoming. You can start the process today by visiting our account opening page here: https://www.advantagefcu.org/loans/apply-for-a-loan/ . If you have any questions or need assistance along the way, feel free to reach out at (585) 454-5900. We're excited to have you become part of our family at Advantage, located at 260 Crittenden Blvd Rochester Ny 14642!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine being able to accept payments quickly and easily from your customers. Our merchant services offer that convenience, allowing businesses to process transactions seamlessly. This means less hassle for you and a better experience for your customers. Whether it's a small local shop or a growing enterprise, we provide the tools you need to handle payments efficiently. With Advantage at 260 Crittenden Blvd Rochester Ny 14642, Rochester, NY 14642, we're here to help your business thrive. For more information about how our business banking solutions can support your goals, give us a call at (585) 454-5900 or visit us online at Advantage.

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll find valuable resources at Advantage. Our Business Banking services include essential tools like Merchant Services for processing payments and Business Loans designed to fuel your growth. We aim to support local businesses in achieving their goals.

Digital Banking and Accessibility

In today's busy world, access to your finances anytime is crucial. That's why we prioritize digital banking features like Online & Mobile Banking, making it easy for you to check balances, transfer funds, and pay bills from anywhere. With our user-friendly platform and secure login, managing your money has never been simpler.

Get in Touch

Whether you're ready to open an account or just have questions about our services, we're here to help! Contact us at (585) 454-5900 or visit us at our branch located at 260 Crittenden Blvd Rochester Ny 14642 in beautiful Rochester, NY. At Advantage, we're more than just a credit union; we're your financial partner every step of the way. Explore all that we offer by visiting our website: U Of R. Your financial success is just a call or click away!

Loans and Financing

When it comes to financing, Advantage has you covered with a variety of options. We understand that purchasing a vehicle is a significant decision, which is why we offer Auto Loans & Vehicle Financing with flexible terms that fit your budget. If you're considering buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services provide personalized guidance throughout the process. For those unexpected expenses or consolidation needs, our Personal Loans & Debt Consolidation options can help ease financial stress by combining multiple debts into one manageable payment. Plus, our Credit Cards with Rewards allow you to earn points on every purchase, giving back for what you already spend.

Personal Banking

Starting with personal banking, we offer convenient Checking & Savings Accounts designed to help you manage your day-to-day finances effortlessly. Imagine having a checking account that not only makes transactions simple but also rewards you for using it. Our savings accounts provide competitive rates to help your money grow over time.

Shared Branch Services

We also provide basic shared branch transactions such as deposits and withdrawals for members of partner credit unions, ensuring that no matter where you are in the country, accessing your funds is hassle-free.

Digital & Online Banking

Key Services

With our 24/7 online banking services, you can access your accounts anytime, anywhere. You can check your balance, transfer funds, and pay bills with just a few taps. Plus, if you prefer going paperless, our e-statements feature allows you to receive your bank statements electronically. This not only helps you stay organized but also adds an extra layer of security to your financial information. Need to send money to a friend? Our person-to-person transfers make it easy to share cash without the hassle of checks or cash withdrawals. Simply use our mobile application available for download to send money directly from your account.

Security and Accessibility

We prioritize your security with electronic signature authorization for important transactions, ensuring that your sensitive information is protected. Our user-friendly interface makes navigating through our services a breeze, even for those who may not be tech-savvy. Whether you're using our mobile app or accessing online banking from your computer, you have real-time control over your finances. With just a few clicks, you can manage everything from checking account balances to making payments all securely and efficiently. At Advantage, we're committed to providing you with modern banking solutions that fit into your busy life while keeping your financial information safe. For more information about our digital banking options, visit us today at https://www.advantagefcu.org/ !

Financial Strength

Growing Trust

Total Share Accounts stand at 64,261, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $21,375 underline our commitment to serving our community 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 260 Crittenden Blvd Rochester NY 14642 or call 585-454-5900 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency shines through with a net income of $291,027, 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 and committed team.

Reinvestment in Member 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 lending capacity is robust with $33,850,355 in total loans and leases, including $7,092 in used auto loans which support members' financial goals across various sectors.

Secured Savings for Members

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.

Strong Financial Health

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 purchasing a brand-new model or a reliable used car, we have flexible financing options to fit your budget.

Credit Card Loans

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. These credit cards come with features designed to give you convenience and control over your spending.

Credit Lines and Other Options

In addition to these loan products, we provide credit lines amounting to $212,098,728, allowing for easy access to funds when you need them most. Our services also include refinancing options to help you adjust your existing loan terms for better rates or monthly payments. At Advantage, our goal is to empower our members with financial tools that suit their lifestyles and aspirations. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. For more information about our loan offerings or to apply online, visit our website or stop by our branch during business hours from Monday to Friday between 9 AM and 5 PM. Let us help you take the next step toward achieving your financial dreams!

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 provide various terms and conditions to ensure that you find a mortgage that meets your needs.

Loan Aggregator

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ADVANTAGE FEDERAL CREDIT UNION