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ALERT-If you are traveling out of town, READ THIS!

Travel Tips

If you are traveling out of state or country, activity on your cards may be perceived as unusual and therefore, may result in your card being blocked. To avoid any disruption while traveling, please notify our Call Center (585.454.5900, Ext. 5) before traveling out of town.

We suggest you take more than one card, preferably one being a credit card. However, we suggest that you do not carry all your cards in case your wallet gets stolen. If using another financial institution’s card, we suggest you notify them of your travel plans, as well.

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So long AFCU PO Box….

Effective June 1, 2014 Advantage FCU will be saying goodbye to their PO Box address.

What does that mean? All mail needs to be addressed to 1975 Buffalo Road, Rochester NY 14624.

And we mean everything, please.

Not mailing anything to us? There are still a couple of things you need to do:

  1. If you have a car loan or home loan with us, you need to notify your insurance company of this change.
  2. If you use Online Bill Pay, please make sure that you update AFCU addresses on those accounts.

If you have any questions please call us at 585.454.5900.

Thank you for your patience during this transition.

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Fraud Watch-How AFCU is looking out for you!


Are you frustrated because your debit card information has been compromised? SO ARE WE!!!! Let me explain: Over the past few years, “fraudsters” have become increasingly creative when coming up with ways to steal your information.

We want to assure you that we have not been made aware of ANY data breaches which originated from Advantage!

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Update: Advantage Reacts to Target Data Breach

January 23, 2014

UPDATE: In an effort to protect you and the credit union due to the Target data breach between November 27th and December 15th- We have sent replacement Debit/ATM Cards to those who used their debit card in this time frame. 

AFCU will be terminating the use of compromised Debit/ATM Cards Friday, January 24th.

If you have already replaced your debit card at one of our branches, please shred the mailed replacement card and use the card you already have.

In reaction to the announcement by Target of a debit and credit card data breach, Advantage Federal Credit Union is taking action to preempt further compromises to its members debit and credit cards.

December 19, 2013

Advantage offers e-alerts for debit and credit transactions that are sent by either e-mail or text alert.  “These alerts occur in real time so that our members are immediately informed of a transaction that they did not authorize” says Jeff Bocach, President and CEO.  Bocach also stated “We also instant issue debit cards in all of our branches for new and replacement debit cards so that there literally is no waiting if a member experiences a problem.”

E-alerts for debit, credit, ATM, and other services were initiated by Advantage in reaction to a number of local and national data breaches at merchants in the past,  as an effort to keep members as well informed as possible and as close to an actual event as possible.  The Target issue prompted Advantage to increase its member awareness about the protections that are available to them.

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Advantage FCU is NOW Mobile Friendly

Website NOW Mobile Friendly-

When you access our site from a mobile device, including tablets and iPads, the device will detect the window size of the device and respond to the screen size to adjust format, text and graphics.

What’s different?

When you access the website from a mobile device, your access to Online Banking will look different. You will see a green button labeled Online Banking Sign On. Click on that button and it will direct you to our Mobile Friendly Online Banking.

If you prefer Online Banking in full size format, there is a link for the full site that you can click to gain access.

When will Advantage FCU have a Mobile App?

Our Mobile app is now available!  Click Here for more info!

If you have any questions, please contact a Member Service Representative.

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Why Advantage Does NOT offer Payday Loans? Learn More.

Payday loans are illegal in New York State. It is a violation of New York State law to make payday loans in-person, by telephone, or over the Internet. It is also illegal for a debt collector to collect, or attempt to collect, on a payday loan in New York State.

What is a Payday Loan?

A payday loan is a relatively small, high-cost loan, typically due in two weeks and made with a borrower’s post-dated check or access to the borrower’s bank account as collateral.

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