Advantage Federal Credit Union is a Not-for-Profit financial organization locally owned and operated by and for its members.

To become a member, please read how to join and eligibility requirements below.
Your employer may already have a membership!

You can now open an account from the comfort of your own home. Click ‘Become a Member’ to get started:

(Click title to view details.)
  • About Us

    Our Mission and Values

    Advantage Federal Credit Union (AFCU) is a not-for-profit financial organization, wholly and locally owned and operated by and for its members.   As a cooperative financial institution, AFCU members benefit from generous dividends on savings and low rates on loans. Serving its members in the Rochester community since 1931, AFCU now serves over 33,000 members and has assets over $350 million. A volunteer board of directors governs Advantage. About one out of every four Americans is a member of a credit union. This number steadily increases and surveys show that people choose credit unions over all other financial institutions for consumer satisfaction!
    AFCU Mission: To be every member’s first choice for financial services. Joining your credit union gives you and your family instant money-saving opportunities. Pass the word on to your friends and neighbors, so they too can start enjoying the money-saving benefits of membership in Advantage.
    Our CORE Values – We believe that if we…

    • Do the right thing for members and employees EVERY time.
    • Provide physical safety and electronic security for our employees and our members.
    • Embrace change and try new things.
    • Expect all employees to engage in business development and provide quality service to our members.
    • Recognize that all employees want to succeed.
    • Never become complacent.
    • Support financial literacy and education in our community.

    …we will succeed!
    You’re a Member for Life!   When you join Advantage, you become a member for life. A change in employment, retirement, or a move to another location will not affect the status of your credit union membership.

  • How to Join

    Belonging is easy

    To become a member, stop by any one of our branches:

    • 225 W. Broad St.
    • 1625 Mt. Hope Avenue
    • 1975 Buffalo Road
    • 2515 Browncroft Blvd.
    • Rochester General Hospital; Parnall Bldg., Suite G-08
    • Rochester Institute of Technology
    • UR Medical Center

    Please be prepared to show two forms of identification providing proof of your current address. One document must be a photo ID such as: New York State Driver’s License or Non-Driver ID, NY State Pistol Permit or Passport. You will receive a membership kit and complete information regarding your account.

    *Membership is subject to eligibility. To join the credit union you must meet the membership requirements including purchase and maintenance of the minimum required share(s) (“membership share”) as set forth in the credit union’s bylaws. You authorize us to check your account, credit and employment history, and obtain reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request. As a condition of membership, you must purchase and maintain the minimum required shares set forth below: Par value of one share: $5.00 Number of shares required: 1

  • Eligibility


    Membership in Advantage is available to:

    • Employees, retirees and volunteers of Advantage Select Employer Groups.
    • Individuals who live, work, worship, volunteer, or attend school in the City of Rochester.*
    • Immediate family members and household members of individuals who are eligible for membership.
    *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 Regional Health, 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.

  • Employer Groups

    Is your company on our list?


    Action for a Better Community (ABC)
    Advantage Federal Credit Union
    Aid to Hospitals
    Aid to hospitals
    Anthony Jordan
    Axxess Security Excel

    Nazareth Hall

    Baden Street Settlement
    Brighton Campus Chiropractors

    Oliver and Oliver
    Our Lady Good Counsel
    Our Lady Queen Peace

    Calvary Church
    Christ the King
    Claybourne Associates
    Continuing Care Network
    Corpus Christi School
    Cortese Auto
    Crosby Brownlie, Inc.
    Crowne Plaza Hotel (formerly Rochester Plaza)

    Penfield Sport & Fitness
    Pride Mark Development

    Divorce Mediation Center
    Doug Miller Soccer
    Doug Miller Soccer Parent Association
    Dynalab Corp.

    Eastman School of Music
    Elmwood Medical Associates
    Elmwood Pediatric Group

    R. J. Taylor General Contractors, Inc.
    Rochester City School District
    Rochester Educational Opportunity Center (REOC)
    Rochester General Hospital
    Rochester Institute of Technology
    Rochester Medical Group Billing
    Rochester Medical Groups
    Rochester Mental Health
    Rochester Museum & Science Center
    Rochester Presbyterian Home
    Rochester School of the Deaf

    Fairport School District
    FIGHT (Freedom, Independence, God, Honor, Today)
    First Baptist – Chili
    Franklin Career Academies and Montessori School

    Salvatore's Old Fashioned Pizzeria
    Seagate Alliance
    St. Helens School
    St. Joseph's School
    St. Joseph's Villa
    St. Monica School
    St. Stanislaus School
    St. Theodore’s School
    St. Thomas The Apostle
    Stress Technology, Inc. Strong Memorial Hospital
    Strong Museum
    SUNY Brockport
    Sutherland Group

    Garden Factory
    Genesee Region Home Care
    G. J. Klehamer Company
    Greater Rochester Individual Practice Association (GRIPA)
    Guardian Angels School

    The Charter School of Science & Technology, employees and volunteers
    The College at Brockport
    The Doctor's Office Building (220, 222 Alexander Street)
    The Genesee Hospital Medical Groups
    The Genesee Hospital Mental Health Center
    Tri-Tech Electronics

    Harro East Athletic Club
    Highland Hospital
    Highland Hospital at Pittsford
    Hill Haven Nursing Home
    Hillside Children’s Center
    Hillside Children's Foundation
    Hillside Work-Scholarship Foundation
    Hochstein School of Music and Dance
    Holy Cross School
    Holy Ghost School
    Home Care From the Heart

    University of Rochester & all affiliates

    Independent Living for Seniors

    Valley Manor
    Volunteers of America Adult Care Facility


    Whelpley and Paul Opticians

    Kirkhaven Nursing Home (formerly Genesee Valley Presbyterian Nursing Center)

    Lacy Katzen LLP
    Lifetime Care
    Lowenguth Realty

    Mangione Gianforte
    Memorial Art Gallery
    Merlin International Digital Solutions
    Midtown Tennis
    Montessori School of Rochester