Credit union · NCUA insured
Genesee Valley FCU
A $175M credit union headquartered in Geneseo, NY, with 9,408 members and 4 branches in New York. Best rates: CDs 3.60% and savings 0.30% APY.
Genesee Valley FCU Carrot Score
63
Carrot Score
Higher than 10% of U.S. banks and credit unions
#25 of 32 in Rochester, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Genesee Valley FCU
Founded in 1974 by Bruce Johnson and colleagues, Genesee Valley Federal Credit Union was formerly known as G.V.T.A Federal Credit Union.
The credit union was originally formed and operated with teachers of the Livingston, Steuben, and Wyoming County BOCES.
Headquartered in Geneseo, New York, it operates three branches located in Geneseo, Dansville, and Warsaw across two counties.
- Headquarters
- 4621 Millennium Dr, Geneseo, NY 14454
- NCUA charter
- 21658
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to individuals who live, work, worship, go to school, or volunteer in Livingston or Wyoming Counties.
Family and household
- Immediate family members (grandparents, parents, spouse, children, grandchildren, and siblings) of members are eligible for membership.
Cost to join
- A minimum $5.00 deposit to a savings account is needed to establish membership.
Branches
4 branches in New York
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New York
4 branches
Rochester area · 3
- Geneseo OfficeMain office4621 Millennium Dr, Geneseo, NY 14454Directions
- Dansville Branch184 Main St, Dansville, NY 14437Directions
- SUNY Geneseo1 college Cir, SUNY Geneseo, Geneseo, NY 14454Directions
Warsaw area · 1
- Warsaw Branch445 N Main St, Warsaw, NY 14569Directions
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 | 16.60% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.19% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.99% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $50 | $76 | — |
- CapitalNet worth ratio16.60%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.19%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.99%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$50Peers’ 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 Genesee Valley FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.