Credit union · NCUA insured
Advantage Federal Credit Union
A $481.7M credit union headquartered in Rochester, NY, with 34,494 members and 7 branches in New York. Best rates: CDs 3.90% and savings 0.08% APY.
Advantage Federal Credit Union Carrot Score
73
Carrot Score
Higher than 34% of U.S. banks and credit unions
#18 of 32 in Rochester, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Advantage Federal Credit Union
Advantage Federal Credit Union is a member-owned cooperative financial institution that has been serving members in the Rochester community since 1931.
- Headquarters
- 70 Metro Park, Rochester, NY 14623
- NCUA charter
- 24181
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, volunteer, or attend school in the City of Rochester (zip codes 14604–14616, 14619–14621, 14627, 14649, or 14652).
Employers and groups
- Membership is open to employees, retirees, and volunteers of Advantage Select Employer Groups.
Military, government and schools
- Membership is open to any public, private, or parochial school, university, or college in Monroe County not currently served by a credit union.
Family and household
- Membership is open to immediate family members and household members of individuals who are eligible for membership.
Cost to join
- Membership requires purchasing and maintaining one membership share with a par value of $5.00.
Branches
7 branches in New York
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New York
7 branches
- Broad Street225 W Broad St, Rochester, NY 14608Directions
- Gates1975 Buffalo Rd, Rochester, NY 14624Directions
- Mt Hope1625 Mount Hope Ave, Rochester, NY 14620Directions
- Penfield2515 Browncroft Blvd, Rochester, NY 14625Directions
- Rit38 Lomb Memorial Dr, Rochester, NY 14623Directions
- Rochester General Hospital1445 Portland Ave, Rochester, NY 14621Directions
- U of R260 Crittenden Blvd, Rochester, NY 14642Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.07% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.55% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.67% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $97 | $76 | — |
- CapitalNet worth ratio10.07%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.55%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.67%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$97Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Advantage Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.