Genesee Co-op Credit Union Rochester NY | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Genesee Co-op, your trusted financial partner located at 395 Gregory St, Rochester, NY 14620. Since our establishment in 1981, we have proudly served our community with a commitment to providing personalized banking solutions tailored to meet your needs. With over 4,437 members and total assets of $42,183,675, we are dedicated to helping you achieve your financial goals. At Genesee Co-op, we believe that financial wellness is not just about numbers it's about building relationships. Our team of 13 employees, led by CEO Melissa Marquez and Board President Michael Walker, is here to ensure that every member feels valued and supported. Whether you're looking for a new auto loan or need assistance with personal banking services, we're ready to help. Our branch features a range of offerings, including checking and savings accounts, mortgage loans, and credit cards with rewards. With total deposits reaching $2,953,668, you can trust us to manage your money securely while providing competitive rates on loans and savings. While members can visit us at our branch location for personal service, official correspondence should be sent to our mailing address: 395 GREGORY ST, ROCHESTER, NY 14620. We encourage you to reach out via phone at (585) 461-2230 or explore our website at genesee.coop for more information about our services. Join us today and become part of a community-focused credit union that prioritizes your financial health!

Branch History & Mission

Community Commitment

Community is at the heart of everything we do at Genesee Co-op. We actively engage in outreach efforts and partnerships that uplift those around us. Whether through local sponsorships or educational workshops on financial literacy, we strive to create lasting relationships with our members and neighbors. In today's fast-paced world, we've embraced technology to enhance your banking experience. With features like online banking, mobile payments, and electronic signatures available, managing your finances has never been easier or more convenient.

Join Us

As we look toward the future, we invite you to become part of our growing family. Experience firsthand how Genesee Co-op not only meets your financial needs but also supports you in achieving your dreams. Together, let's continue building a stronger community one member at a time. For more information about becoming a member or exploring our services further, please visit Genesee Co-op or call us at 585-461-2230 today!

Our Mission

Our mission at Genesee Co-op is simple yet profound: to empower our members through accessible financial services while fostering community growth and support. We believe that everyone deserves the opportunity to achieve their financial goals. That's why we offer a range of services from personal banking and auto loans to mortgage loans and business banking. We also recognize the importance of being there for our members when they need us most. Our operating hours reflect this commitment: Monday to Wednesday from 10:00 AM to 5:00 PM and Thursday to Friday from 10:00 AM to 6:00 PM. Additionally, we proudly offer ATM availability for those on-the-go who need quick access to their accounts.

Branch Location & Accessibility

Accessibility and Features

Finding us is easy! Situated near popular local landmarks, our branch is a convenient stop for all your financial needs. Our location offers ample parking and features that are compliant with ADA standards, making it accessible for everyone. Whether you're visiting for a quick transaction or to discuss your financial goals with one of our team members, you'll find our space welcoming and accommodating.

Operating Hours

At Genesee Co-op, we know your time is valuable. That's why we offer flexible operating hours to fit your busy schedule. You can visit us Monday through Wednesday from 10:00 AM to 5:00 PM, and on Thursday and Friday from 10:00 AM to 6:00 PM. If you need assistance outside of these hours, feel free to reach out by phone at 585-461-2230.

Services Available

We provide a range of services designed to meet the diverse needs of our members. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing options, we're here to help you manage your finances effectively. Plus, with ATM availability on-site, you can access your funds whenever you need them. While members can visit us at 395 Gregory St for all their banking needs, please remember that official correspondence should be sent to the same address. Whether you're new to the area or looking for a fresh start with your financial partner, we invite you to come by Genesee Co-op today! Experience firsthand the commitment we have towards serving our community with personalized care and expertise. Your journey towards better banking begins here!

Member Eligibility

At Genesee Co-op, we believe in creating a warm and welcoming community where everyone can thrive. Becoming a member is an exciting step that opens the door to a world of financial opportunities tailored just for you. If you're wondering whether you qualify, let me share that we are here to support individuals from various backgrounds. Typically, eligibility includes those who live, work, or worship in our local area, as well as their family members. This means that if you're part of our neighborhood or have loved ones who are, you likely qualify! For more detailed information on our specific criteria, feel free to check out our eligibility page at http://WWW.GENESEE.COOP/become-a-member. Joining Genesee Co-op not only gives you access to a range of services like personal banking, loans, and credit cards but also ensures you become part of a cooperative that prioritizes your financial well-being. The process to open an account is straightforward and friendly just give us a call at (585) 461-2230, and we'll guide you through it. We're excited to welcome you to our community located at 395 Gregory St Rochester Ny 14620!

Business Banking & Commercial Services

Financing Your Growth

Imagine having the right financial support at your fingertips when you need it most. Our commercial loans are designed to fuel your growth, whether you're looking to expand your operations, invest in new equipment, or manage cash flow. 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.

Merchant Services That Matter

In addition to loans, we offer merchant services that simplify payment processing for your business. Whether you're a retail shop or a service provider, our solutions make it easy for you to accept payments securely and efficiently. Picture this: faster transactions lead to happier customers and more sales just what every business owner wants. Located conveniently at 395 Gregory St Rochester Ny 14620 in Rochester, NY, we're here to support your business needs. Reach out at (585) 461-2230 to learn more about how we can partner with you for success!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, we provide essential services like merchant services and business loans. We're committed to helping local businesses thrive by offering tailored solutions that support growth and success.

Convenient Access Anytime

With our robust ATM services, including cash withdrawals and balance checks available 24/7, accessing your funds has never been easier. Plus, our mobile payment options allow you to make transactions swiftly and securely on-the-go. At Genesee Co-op, we pride ourselves on being more than just a financial institution; we're a community partner invested in your financial well-being. Explore all the ways we can serve you today! Visit us online at https://www.genesee.coop/ or stop by our branch at 395 Gregory St Rochester Ny 14620. We're excited to help you achieve your financial goals!

Credit Cards That Reward You

Our credit cards with rewards give you more than just a way to make purchases; they reward you for every dollar spent. Enjoy benefits like cashback or travel rewards that add value back into your wallet while making purchases.

Home Financing Options

When it comes to purchasing or refinancing your home, our team is ready to assist with mortgage loans tailored to your specific needs. We work closely with you throughout the process, ensuring that you feel informed and confident in your decisions. Our mortgage specialists can help guide you through various options so you can find the right fit for your family.

Personal Banking Solutions

Whether you're saving for a vacation, planning for retirement, or managing your day-to-day expenses, our personal banking services have you covered. We offer checking and savings accounts tailored to suit your lifestyle. Imagine having easy access to your funds through our online and mobile banking features, allowing you to check balances, transfer money, and pay bills from anywhere at any time.

Personal Loans for Every Need

Life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation solutions. Whether it's for medical bills, home repairs, or consolidating existing debts, we're here to help lighten your financial load with flexible repayment options.

Vehicle Financing Made Easy

Dreaming of a new car? Our auto loans and vehicle financing options are designed with you in mind. With competitive rates and flexible terms, getting behind the wheel has never been easier. Picture driving away in your new vehicle, knowing you have an affordable payment plan that fits your budget.

Digital & Online Banking

Key Services

Our online banking services include electronic signature authorization, allowing you to sign documents securely from the comfort of your home. Plus, with e-statements available, you can easily keep track of your transactions without the clutter of paper statements. These features not only save trees but also provide instant access to your account history. If you're on the go, our mobile application makes banking even simpler. You can take advantage of mobile payments for quick transactions directly from your smartphone. Whether you're splitting a bill with friends or purchasing coffee, just a few taps will get it done! Additionally, our person-to-person transfer feature lets you send money easily to anyone no cash needed.

Security and Accessibility

Your security is our priority. We implement robust security measures so that you can manage your accounts confidently. Our user-friendly interface means that whether you're tech-savvy or just starting out with digital banking, you'll find it easy to navigate and use our services effectively. With all these tools at your disposal, managing your finances has never been more accessible or straightforward. Experience the convenience of modern banking with Genesee Co-op today!

Financial Strength

At Genesee Co-op, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on maintaining a robust financial foundation, ensuring that your money is in safe hands. With a net worth of $10,450,985, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,475 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,796,257 in share certificates, offering stable and rewarding financial growth opportunities. While we have $0 in money market shares, our focus remains on maximizing the benefits for our members. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,848,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. This commitment to member-centric service is reflected in our operations. With $8,285,626 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors, with $372 in used auto loans and $24,591,260 in total loans and leases available. Our operational efficiency shines through as well; our $0 reflects our ability to manage resources wisely while continuing to offer competitive loan rates and solid financial products for you. We also take pride in having 12 full-time employees and 1 part-time employees who are always ready to assist you with their knowledge and commitment. Net Shares (Funds available for lending and investments): $116,633. Total Share Accounts: 8,852, showing a strong and growing member base that trusts us with their finances. Rest assured that at Genesee Co-op, your financial future is bright. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Genesee Co-op is your trusted partner. Visit us at 395 Gregory St Rochester Ny 14620 or call (585) 461-2230 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $3,872,505 in used vehicle loans and $1,956,175 in new vehicle loans to help our members get on the road. Whether you are purchasing a brand-new model or a reliable used vehicle, we have flexible terms tailored for your budget.

Business Financing

For business owners, while we currently do not have any outstanding commercial loans available at this time, we are committed to understanding your needs and assisting you with future financing options tailored for your business growth.

Credit Lines and Personal Financing

In addition to auto and mortgage loans, we also offer credit lines totaling $9,942,496. These lines can serve as a safety net for emergencies or help with larger purchases. Moreover, for those looking for a way to manage expenses without collateral requirements, our unsecured credit card loans can be beneficial though currently, we do not have any outstanding amounts in this category.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,345,815, make buying or refinancing simple. We provide competitive interest rates and personalized service to guide you through the home-buying process.

Refinancing Options

If you're already carrying debt from other lenders or considering refinancing existing loans for better terms, we encourage you to explore eligibility options with us. Our team is here to assist you in finding the best solutions that fit your financial situation. For more information about our loan products or to see how we can assist you today, feel free to visit us at 395 Gregory St Rochester NY 14620, call us at 585-461-2230, or check out our website at genesee.coop. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Aggregator

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Genesee Coop