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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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Visa Credit Card Challenge

Ready to consolidate your credit card debt?

Take the Credit Card Challenge!

Start saving today with our LOW Rate Visa Rewards Card!

  • NO Balance Transfer Fees
  • NO Cash Advance Fees
  • NO Brainer!

Advantage FCU members are our priority and when it comes to getting a lower rate on your credit card balances and we’re more than happy to help!

To get started visit one of our branches (click here for locations).

Show us your credit card statements and we’ll show you how Advantage FCU can save you money.

No time to stop in branch?

Transfer your high rate balances to your Advantage FCU Credit Card at any time!



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General Security Tip

Advantage Federal Credit Union has an important security tip – we will NEVER contact you to ask you for your account number or other personal information by email, phone, or text message.

It is important that you never respond to phone calls, text messages, or emails that ask you to provide, validate, or update any account information.

Your personal information is highly valuable and Advantage FCU makes it our priority to encourage our members to take precaution when giving such information out. Knowing how to protect your information is important especially in today’s technologically advanced world.

The Federal Trade Commission published tips on how you can protect yourself from online hackers including:

For more information visit:

Online Romance Scammers

Scammers take advantage of people looking for romantic partners, often via dating websites, apps or social media by pretending to be a prospective companion. Often people fall victim to those posing as or claims to be a U.S. Soldier. The “Soldier” then begins asking for money for various false service-related needs such as transportation costs, communication fees, marriage, processing and medical fees. Victims of these online scams have lost tens to thousands of dollars, with a very low possibility of recovery. The U.S. Army Criminal Investigation Command (CIC) has tip son what to look for and “Red Flags” that AFCU Members should be aware of.

Click here to read the full article.

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NEW Money Management!

New Online Banking Experience – Now Available

Money Management

On March 21st, as part of an Online Banking update we are happy to introduce a new budgeting solutions called, Money Management!

Benefits of Money Management:
  • All of your transactions will automatically categorize using Money Management’s improved categorization process.
  • All AFCU accounts associated with your online banking username are automatically added
  • At least 90 days’ worth of transaction history will be imported
  • Add outside financial institution accounts, including retirement, loans and investment
  • Add asset such as real estate and vehicles
  • Transactions are automatically categorized
  • Instantly manage all of your debit in one place
  • Auto create first budget based on past 90 days of spending
  • Set savings, debt, and retirement goals
  • Safe and secure

Sign into your Online Banking to get started!


Purchase Rewards

Turn Everyday Purchases into Cash!

We are NOW offering exclusive cash back offers when using your Advantage FCU Debit card at the types of places you like to shop.
Don’t worry it’s very easy to use and right at your fingertips.

Here’s how it works:
  1. CLICK – To activate your exclusive cash back offers at the places you like to shop.
  2. SHOP – Online or in stores to redeem your offers by paying with your card.
  3. ENJOY – Cash back which will be deposited right into your account at the end of the following month.

Log onto Online Banking and let the savings begin!

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Money Market PLUS

Advantage FCU Money Market PLUS Account will pay some of the highest dividends available for this account!

 Earn Even More Dividends

Similar to our Money Market Account, the Money Market PLUS allows you to earn a much higher rate on your dividends. Although you are earning higher dividends, your funds are still accessible; you can have up to six (6) transactions per month*.

An Advantage Money Market PLUS Account will pay some of the highest dividends available for this type of account. Dividends are paid monthly and are calculated using the daily balance method. There is a $75,000 minimum balance required to open the account. If you are looking for a safe place to earn extra money, compare AFCU Money Market PLUS rates to the others!

Deposit Rates

*You may make no more than six (6) transfers or withdrawals from your account to another account of yours or to a third party in any method by means of preauthorized, automatic, internet transfers or telephone transfers, or by check, draft, or debit card. If you exceed these monthly limitations, your account may be subject to a fee or be closed. The rates for the Money Market PLUS Account are variable and may change after the account is opened.
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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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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.