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Rise Above

This year, Consolidate all your debt and take hold of your finances with Advantage Federal Credit Union!

If your bills are piling up and you are tired of paying high interest rates, save money by just refinancing your current loans or consolidating your bills into ONE! Allow yourself the convenience of ONE monthly payment, paying ONE low rate and saving money.

  • Low Rate VISA
    – NO Balance Transfer Fees
  • Home Equity Line or Loan
  • Debt Consolidation Loan
  • Auto Loan Refinance

Loan Rates

Apply Now!

 

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Personal & Account Information

ATTENTION: Please note Advantage FCU would not ask any personal or account information via text or email. If you receive a notification claiming to be from Advantage FCU, please do not give out any information.  Whenever you have a question about your account, please call us at 585-454-5900 or choose the chat button below during business hours.

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Allpoint ATM Network

55,000 Surcharge-Free ATMs. Worldwide.

US, Canada, United Kingdom, Puerto Rico, Australia, Mexico!

 

Allpoint provides you with the freedom to get your cash where you want, when you want, wherever you are… without the ATM fees. With over 55,000 ATMs in the Allpoint Network, your cash is never far away. Just look for the Allpoint logo or, better yet, use our locator or mobile app to find the nearest Allpoint ATM.

As a consumer, you gain access to the Allpoint Network through your financial institution. Banks, credit unions and prepaid card programs of all sizes participate in Allpoint to provide you with the ATM access you deserve.

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What to do when your information is lost or exposed.

“Did you recently get a notice that says your personal information was exposed in a data breach? Did you lose your wallet? Or learn that an online account was hacked? Depending on what information was lost, there are steps you can take to help protect yourself from identity theft.”-IdentityTheft.gov

IdentityTheft.gov has a step-by-step guide to walk you through what to do.

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A note from our CEO regarding Equifax Breach

In light of the recent Equifax data breach incident, we want you to know that our priority at Advantage is and always has been the security and protection of our member’s personal information.

 

Please read Equifax’s website to see how you may have been impacted.  www.equifaxsecurity2017.com

 

During this time, please be sure to monitor all of your accounts. If you see anything on any of your accounts that looks suspicious, be sure to contact us at 585.454.5900.

 

We do have tools that can help keep your money safe.

 

GuardID Checking brings you valuable financial and security features with real time alerts – including access to your account from almost anywhere and protection from identity theft.–Learn more about our GuardID Checking. 
If you have any questions, please call us or come into any of our eight locations to speak to a Member Service Representative.

Sincerely,

Jeffrey Bocach
President & CEO

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Skip-A-Payment & get a jump on holiday spending!

At Advantage FCU, you now have the ability to Skip-A-Payment on your eligible loan through Online Banking!

On any of the following eligible loans you can Skip-A-Payment:

  • New or Used Car Loans
  • Debt Consolidation Loans
  • Personal Loans
  • Home Improvement Loans
  • Boat/RV/Motorcycle Loans

Members with eligible loans NOW have the option to skip-a-payment up to three times (per loan) within a consecutive 12-month period.

Log into Online Banking and click the Skip-A-Payment Tab to see if your loan is eligible.

*Individual Fee – $30 per skip. There is a $30 processing fee per loan skipped and your Primary Share (savings) Account must have the required $5.00 minimum balance. Interest will accrue and the maturity date of all loans affected by the program will be extended. Skip-a-payment may not be eligible until six months to two years from the effective start date, depending on your loan type. Maximum of 10 skips during lifetime of loan. We reserve the right to decline your request if you have negative share account balances, or your account is otherwise not in good standing. The decision to grant extensions is based solely on the discretion of Advantage FCU. This offer is not available on revolving lines of credit and real estate loans. Payments may not be skipped two consecutive months. If you use a bill pay service from Advantage FCU or other financial institution, once your skip has been successfully processed, you will need to stop and restart the payment.

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Protect Yourself Against Fraud

GuardID Checking Account

Extra Protection You Can Bank On & FREE CREDIT SCORE!

You work hard for your money, and you know it makes sense to protect it and save it. GuardID Checking helps keep your money safe and offers sound money-saving financial benefits, so you can feel secure.

GuardID Checking brings you valuable financial and security features – including access to your account from almost anywhere and protection from identity theft – AND we make it easy for you to enjoy these benefits for a low monthly service fee of $7.00.

Keep Yourself and Your Family1 Safe from Fraud and Loss.
Identity theft is on the rise, but you can rest easy knowing that you and joint account holders are protected by our comprehensive IDProtect® service, which includes:

  • Free Updated Credit Score. 
    IDProtect® will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur. You can request a free, updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score.2*
  • Comprehensive Identity Theft Resolution Services. Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your credit and identity are completely restored.
  • Identity Fraud Expense Reimbursement Coverage. Receive up to $10,000 to help pay expenses, clear your name and repair damaged credit, should you become the victim of identity fraud.3*
  • Debit and Credit Card Registration. Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards – and your liability is limited – should your cards become lost or stolen.(Registration and activation required)
  • Total Identity Monitoring. Continuous monitoring of over 1,000 databases. (Registration and activation required)*

Additional Benefits

  • No Minimum Balance Requirement
  • Unlimited Check Writing
  • 1 Free box of Checks Per Year
  • Free Corporate Checks
  • ATM/Debit Card
  • No Debit Card Fees
  • Free E-service including up to minute e-alerts
  • No AFCU charge for ANY ATM
  • Free Online Banking
  • Free Bill Pay
  • Money Transfers to and from other financial institutions for Free.
  • ALLPOINT ATM Network: Access over 55,000 Surcharge Free ATM’s Worldwide
  • Access to 33 Local Branches through Shared Branching
  • IDProtect®

*Family includes Spouse, domestic partner, and children under 25 living in the same household that are account owners.**Reimbursement coverage is an insurance product and not a deposit; not NCUA insured;  and not an obligation nor guaranteed by the credit

Upon application for your checking account, you will receive complete information on electronic funds transfer, funds availability, and truth in savings.   For more information please contact a Member Service Representative at 585.454.5900, ext. 5

Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.&

1 IDProtect® service is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. IDProtect® benefits are available to joint account holders. Benefits are not available to a “signer” or “beneficiary” of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.

2 Credit score may differ from score used by Advantage FCU.

3 Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

*Registration and activation required.

Insurance product is not a deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity.

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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.