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NEW Credit Card Processor

We have exciting news, Advantage FCU will be converting to a
NEW Credit Card Processor in February 2019.

What does this mean to you, our Valued Member?
This will improve our ability to implement new technology as it becomes available and continue to provide the highest level of fraud protection. As a Bonus, we have NEW great looking Credit Card designs we hope you’ll love and enjoy using!

Please watch your mailbox from February 4th to February 11th, 2019 for your new card.
Your new card will have:

  • A New Card Number
  • Expiration Date
  • CVV Code

You may have a few questions; we hope we anticipated some of the answers below:

  • You will have to re-establish any Automatic Billing with merchants.
  • All unused reward points under your current program will be transferred to the New Program.
  • Last day to use your current card: February 23, 2019
  • First day to activate/use your new card: February 24, 2019
    (more details as we get closer)

If you plan to be out of town for the entire time between February 4th to February 11th, 2019; and will be unable to receive your new card, please let us know as soon as possible.
For any questions please call Advantage FCU Member Service at 1.888.454.2328.

Thank You for being a member!


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Tips to Avoid Fraud

10 Things You Can Do to Avoid Fraud

Scammers are getting increasingly sophisticated in their attempts to get your money or personal details. With clever schemes of combining new technology and old tricks we must be more cautious of how we monitor our money. Always be alert and protect yourself from being scammed by following these helpful tips.

    1. Spot Imposters – Scammers often pretend to be someone you trust, like a family member, company and government official. Do NOT send money or give out personal information in response to and unexpected request.
    2. Do Online Searches – When using your search engine (Google, Bing, etc.) be sure to add words like “review,” “complaint” or “scam” to describe your situation. You can even search phone numbers!
    3. Don’t believe your caller ID – Technology makes it easy for scammers to disguise themselves with a fake caller ID. If someone begins to ask for money or your personal information hang up immediately.
    4. Don’t pay upfront for a promise – Sometimes scammers will ask you to pay in advance for things like credit and loan offers. They may even say you’ve won a prize but first you have to pay fees. If you pay upfront they will most likely disappear with your money without a trace.
    5. Consider how you pay – Most credit cards have sufficient fraud protection built-in but not all do. Wiring money through services such as, Western Union and MoneyGram can be risky because it’s nearly impossible to get your money back. Be cautious of how you pay your loans, credit card, etc.
    6. Talk to someone – It’s easy to get talked into giving out your personal information. Con artists like to rush you into decisions, slow down and do some online research. Even consult someone you trust before making any further agreement.
    7. Hang up on Robocalls – If you answer your phone and you hear an automated sales pitch, hang up the phone immediately and report it to FTC. These calls are illegal and often the products are fraudulent.
    8. Be skeptical about free trial offers – Before you agree to a free trial, research the company and read the cancellation policy. Always be sure to read your monthly statements for charges you don’t recognize.
    9. Don’t deposit a check and wire money back – By law, banks must make funds from deposited checks available within’ days, but uncovering a fake check can take weeks. If your check deposit turns out to be fake you’re responsible for repaying the bank.
    10. Sign up for free scam alerts from the FTC at

Don’t forget to sign-up for real time e-Alerts when you log into Online Banking!
Get updated on your account(s) on the go, download our mobile app today.


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Watch Your Earnings Grow

5 Month CD Special

Watch your earnings grow! Keep your funds safely rooted in a CD Special at Advantage FCU.

This CD Special requires new money only with a minimum of $500 to open.

Visit your local AFCU branch and start saving today!



*Annual Percentage Yield (APY). Effective as of August 1, 2018. A minimum of $500 is required to open a certificate. Must be new money. Five month share certificate equivalent to CD. Fees may reduce earnings. An early withdrawal penalty may apply. Limited time offer. Rates subject to change without notice. Membership subject to eligibility.


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Equifax Cybersecurity Incident

To learn more about the Equifax cybersecurity incident, including whether your personal information was potentially impacted, or to sign up for complimentary identity theft protection and credit file monitoring, click here .


Once on the Equifax page, determine if your personal information was impacted by clicking on the “Potential Impact” button and enter in your information.


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Bill Pay Verification

If you use Bill Pay, please verify your Bill Pay vendors.

If you do not see all of your vendors, please contact us by Chat or phone.

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New Online Banking Tips

Quick Tips:

Visa Payments and Transactions

To make a transfer to your Visa, go to Move Money and select Make a Transfer. Select Advantage Visa Payments as the “To” account and choose the account you are paying from as the “From” account. Payments are transmitted to VISA at the end of the business day.

To access Visa EZCard Info, go to Additional Services and select Credit Cards.

Member to Member Transfers

To transfers to another member, go to Move Money , select Transfer to another member and follow the steps below:

  1. Enter the Member’s Name
  2. Enter the first THREE initials of Member’s Last Name
  3. Enter Account ID (For example: Share Account would be an S1. Make sure the letter is capitalized)
  4. Enter Member’s Account Number

Once you have added the recipient, the information is saved and you can easily transfer to them again by just selecting their name.

Bill Pay

Previously our bill pay service provided a future balance of your account based on existing, scheduled bill payments.

The new online bill payment service does not provide this future balance.

In the Make a Payment section of the My Accounts screen, the system will provide a Total sum of all existing scheduled bill payments.

You can then take the available balance from your checking account, and subtract the Total sum of the scheduled bill payments from the available balance using the calculator in the lower right hand corner of the My Accounts screen. This will calculate what your future available balance will be after the scheduled bill payments are made.

Payment processing takes 4 to 10 working days. The main variable in processing time is whether the payee accepts electronic bill payment or requires a physical check. If the vendor does not accept electronic payments, a check will be issued and mailed directly to the vendor.

Please verify your Bill Pay vendors. If you do not see all of your vendors, please contact us by Chat or phone.

Mobile App

Before you download the new app, you will need to delete the old app.

You will also be required to login to Online Banking via a PC before you attempt to login using the mobile app

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3rd Annual Rochester City School Supply Drive

Thank you to everyone who donated to our 3rd Annual Rochester City School Supply Drive! We are so excited to see all the donations and this year we will be donating all supplies to the RCSD  2017 Teacher Orientation. Thank you!!!









Please join us to help prepare Rochester City students for another successful school year and donate supplies today at any of our eight branches until August 12, 2017!

Teacher’s Wish List

  • Dry erase markers
  • Pencils
  • Markers/colored pencils
  • Crayons
  • Notebooks
  • Folders
  • Index cards
  • Loose leaf paper
  • Kleenex
  • Hand sanitizer
  • Sticky notes

Kiss 106.7

Radio 95.1

Mix 100.5






All donations will be donated to RCSD  2017 Teacher Orientation.

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Advantage Federal Credit Union Gives Back $4000 to Students

Advantage Federal Credit Union in partnership with Rochester General Hospital, has donated back $2500 to the RGH Youth Apprentice Program (YAP) through the RGH Debit Card Program.


In addition to the $2500 donated back to the program, Advantage Federal Credit Union gave a $1500 college scholarship to one of the graduating high school seniors in the program.

RGH Youth Apprenticeship Program

RGH Youth Apprenticeship Program


Advantage Federal Credit Union has a full service branch at Rochester General Hospital for the convenience of all employees and visitors. Make sure you get your RGH Debit Card today because every time you use your card, Advantage will donate a portion of their profits to RGH’s Youth Apprenticeship Program!


Advantage Federal Credit Union was established in 1931 as the Teacher’s Credit Union serving the Rochester City School District. In addition to Rochester Regional Health, Advantage continues to serve major Rochester employers including, the Rochester City School District, the University of Rochester, RIT, and Highland Hospital along with over 70 other employee groups.


Advantage also serves individuals and their family members who live, work, worship, volunteer or go to school in the City of Rochester.

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Why You Should Get Preapproved for a Car Loan

Why You Should Get Preapproved for a Car Loan

When shopping for a new car, many people overlook one important step: getting preapproved for an auto loan. It’s a simple process that can make car-buying go more smoothly and save you money.

Read more