Credit union · NCUA insured
Rochester & Monroe County Employees Federal Credit Union Credit Card Rates
Rochester & Monroe County Employees Federal Credit Union credit cards start at 11.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Rochester & Monroe County Employees Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Rochester, NY, where Rochester & Monroe County Employees Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Rochester & Monroe County Employees Federal Credit Union
11.90%APR
Visa Credit Card
Lowest rate
Canandaigua FCU
7.99%APR
2nd-lowest rate
Gates Chili Federal Credit Union
8.99%APR
Rochester & Monroe County Employees Federal Credit Union credit card score
73
Credit card score
Higher than 34% of U.S. banks and credit unions
- Purchase APRPurchase APR11.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Rochester & Monroe County Employees Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Secured Visa Credit Card
Secured credit cards are issued with specific credit limits based on savings account balance, which will be held as long as the account is active (e.g., $500 limit requires $500 savings balance at all times). Open to eligible Rochester & Monroe County FCU members.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Fixed APR. Payment per $1,000 is $30.00. |
Sources (3)
All captured Oct 7, 2026
Visa Credit Card
Open to all employees of the City of Rochester, County of Monroe, some towns/villages within the county, and individuals who live, work, or worship in the City of Rochester. Application requires a recent pay stub.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Fixed APR. Payment per $1,000 is $30.00. No-fee credit card. |
Sources (3)
All captured Oct 7, 2026
Who can join Rochester & Monroe County Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.