Welcome Teachers!

Thank you for your continued support as we celebrate 90 years serving the RCSD!  We were started in 1931 by the Rochester Teachers and continue to serve you to this day, along with some other major employee groups such as URMC, RIT, Rochester Regional Health and many more!  We extend our best wishes as you start a new school year.

Click here for a chance to win one of two $90 gift cards to Wegmans!

Easy Access to Your Account:

• Seven Local Branches
• FREE Online Banking, Bill Pay, E-Services, E-Alerts, & Mobile Banking
• Debit and Credit cards are made INSTANTLY on-site
• External Transfers – Transfer between Advantage and other financial institutions
• Surcharge FREE ATMs – Allpoint ATM Network with access to over 55,000 ATMs nationally
• Shared Branchiong – Access to over 5,000 Credit Unions nationwide and 21 local branches.

Checking Account

• NO Minimum Balance Fee
• NO AFCU charge for ANY ATM up to 5 monthly transactions
• NO Debit Card Fees
• Debit Card Purchase Rewards

Special Services for RCSD

• Spread the check – 2022 dates
  • July 15th and 29th
  • August 12th and 26th
• RTA Debit Card

Financial Literacy Resources

• Banzai! – A FREE online financial literacy program for all ages – real world scenarios
• Debt consolidation options

Loan & Deposit Options

• LOW Rate Visa Credit Card with Rewards
  • NO Balance Transfer Fees
  • NO Cash Advance Fees
• Visa Signature Credit Card- 2% cash back
• Share Secured Loans and Credit Cards to establish credit of repair bad credit history
• Home Equity Lines of Credit – No closing costs
• Holiday, Vacation, & Youth Savings Accounts
• Term Share Certificates (CD)

Every time your use this card, Advantage gives back to the Peter Castle Memorial Scholarship fund. We have given back over $23,000 since 2008!

Memberships also available to individuals who live, work, attend school, volunteer, or worship in the City of Rochester. *Rates and loan terms are determined based on applicant’s past credit history. *Introductory rate applies for the first six monthly billing cycles. Thereafter, your Annual Percentage Rate will be as low as the Prime Rate -0.50%. The Introductory/special rate of 1.25% APR applies to balances for the first six monthly billing cycles after closing. After the introductory period the Annual percentage Rate (APR) may vary monthly and will be cased on the highest Prime Rate published in The Wall Street Journal (3.25% as of August 25, 2021), for the life of the line of credit. Minimum line amount is $7,500 and the maximum is $300,000. The APR for all lines will not exceed 13.0%. Should you terminate your line for any reason prior to the third anniversary of the line, you will repay the credit union the third-party fees incurred to open the line. Hazard, flood, and title insurance, if applicable, are required on your property. A home equity line is secured by a mortgage on your home. Property must be owned for at least three months prior to the application. All loans subject to approval. Membership subject to eligibility.