Credit union · NCUA insured
Rochester & Monroe County Employees Federal Credit Union
A $44.6M credit union headquartered in Rochester, NY, with 4,100 members and 2 branches in New York. Best rates: CDs 4.06% and savings 0.45% APY.
Rochester & Monroe County Employees Federal Credit Union Carrot Score
74
Carrot Score
Higher than 37% of U.S. banks and credit unions
#17 of 32 in Rochester, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Rochester & Monroe County Employees Federal Credit Union
Founded in 1935, Rochester & Monroe County Employees Federal Credit Union is headquartered in Rochester, New York.
The credit union recently welcomed members from Rochester Area State through a merger.
- Headquarters
- 460 N Goodman St, Rochester, NY 14609-6135
- NCUA charter
- 817
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This may be incomplete or out of date, so check with the credit union before you apply.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, or worship in the City of Rochester.
Employers and groups
- Membership is open to members of additional employment groups served by the credit union.
Military, government and schools
- Membership is open to employees of the City of Rochester, County of Monroe, and select towns and villages within the county.
Family and household
- Membership is open to family members of all eligible groups.
Cost to join
- Opening a membership requires a $5 initial savings deposit.
- Opening a membership requires a $1 processing fee.
Branches
2 branches in New York
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New York
2 branches
- Main OfficeMain office460 N Goodman St, Rochester, NY 14609Directions
- Sister Cities40 N Fitzhugh St, Rochester, NY 14614Directions
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 | 10.95% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.20% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.54% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $64 | $59 | — |
- CapitalNet worth ratio10.95%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.20%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.54%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$64Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Rochester & Monroe County Employees 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.