About Us

  • Our Mission.
  • Our Core Values.
  • You are a member for life.

Details ↓

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 20,000 members and has assets over $200 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.

Details ↓

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
  • Highland Hospital
  • Rochester Institute of Technology


Please be prepared to show two forms of identification. 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 Requirements


Details ↓

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.*
  • Businesses and other legal entities 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 General Hospital, 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?

Details ↓


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

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

Penfield Sport & Fitness
Pride Mark Development

Divorce Mediation Center
Doug Miller Soccer
Doug Miller Soccer Parent Association

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

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
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 Doctor's Office Building (220, 222 Alexander Street)
The Genesee Hospital Medical Groups
The Genesee Hospital Mental Health Center

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
Midtown Tennis
Montessori School of Rochester