AFCU Online Login
Membership 
Credit Cards 
Loans 
Mobile Banking 
AFCU Online Auto Loans
AS LOW AS
4.99%
Visa Classic
AS LOW AS
13.95%
Round-Up Savings
AS LOW AS
3.00%
At Advantage Federal Credit Union,
we’re more than just a
place to bank—
At Advantage Federal Credit Union, we’re more than just a place to bank—we’re your financial partner, rooted right here in the Rochester community. Since 1931, we’ve provided not-for-profit, member-first service. Whether you're opening your first account, applying for a loan, or managing your everyday finances, you'll find personalized support, competitive rates, and convenient tools that help you make the most of your money.
Contact Us
OUR SOLUTIONSMember Services at a Glance
Membership
Join a credit union that puts your needs first. Membership is open to those who live, work, worship, volunteer, or attend school in the City of Rochester, along with select employer groups and eligible family members.
Member-Owned Cooperative- Lifelong Membership
- Community-Focused Values
Banking
Manage your money with ease. We offer checking and savings accounts, youth and student options, and account tools like direct deposit, overdraft protection, and shared branching access.
Open an Account
Loans
Whether you're buying a car, renovating your home, or consolidating debt, our low-rate loans give you the flexibility and affordability you need.
View Loan Options
Credit Cards
Build credit or upgrade your spending power with our Visa® credit card options, including credit builder products and disability coverage.
Apply Today
Mobile Banking
Bank anytime, anywhere with our secure mobile app. From mobile check deposit to digital wallet integration, managing your money has never been easier.
Start Banking Smarter
AFCU Online
Take advantage of tools like Online Banking, Zelle®, e-Statements, Bill Pay, and Credit Score tracking to stay on top of your finances.
Discover the Advantage
From everyday banking to long-term savings, Advantage Federal Credit Union offers a full suite of services designed to support your goals at every stage. We serve individuals and families across the greater Rochester area with reliable, affordable products and trusted guidance.
Read Our Latest
Blog Posts
Get Started with the Smartwatch App
Published
Keeping tabs on your money has never been so convenient. Now you can do it right from your smartwatch.
IDCheck Protects Against Shared Branching Fraud with a Simple QR Code
Published
Advantage FCU is introducing a new ID proofing measure for in-person visits to our Shared Branch locations.
Youth Accounts Map a Promising Path Forward
Published
Today’s parents are revolutionizing youth banking through their proactivity and planning.
Proudly Serving Rochester Since 1931
As a locally owned and operated credit union, Advantage Federal Credit Union exists to serve its members. With over 33,000 members and counting, we remain committed to providing affordable, accessible financial services to individuals, families, and employees across the greater Rochester area.
Our volunteer board of directors, dedicated staff, and community roots all reflect the values we’ve upheld since day one: integrity, service, and member-first support.
Lifelong Membership
Once you join, you’re a member for life—no matter where life takes you.
Secure Online & Mobile Access
Bank safely from anywhere with our digital tools and e-services.
Supportive Lending Options
From auto loans to home equity, we make borrowing easy and affordable.
Discover a Better Way to Bank
with Advantage Federal Credit Union
Whether you're opening your first account or looking for a better way to manage your money, Advantage Federal Credit Union is here to help. Join today and experience the personalized service, community connection, and financial support you deserve.
Join Today
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Routing Transit Number/ABA Number:
222382292
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SWIFT Code:
AFCUUS33
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NMLS Number:
619501
Main Menu
Branch Locations
Advantage Federal Credit Union
225 W. Broad St.
Rochester, NY 14608-
Advantage Federal Credit Union
U of R Medical Center
Suite G-6010
260 Crittenden Blvd.
Rochester, NY 14642 -
Advantage Federal Credit Union
1625 Mt. Hope Ave.
Rochester, NY 14620 -
Advantage Federal Credit Union
Rochester General Hospital
Parnall Bldg., Suite G-08
1445 Portland Ave.
Rochester, NY 14621
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Advantage Federal Credit Union
1975 Buffalo Rd.
Rochester, NY 14624 -
Advantage Federal Credit Union
2515 Browncroft Blvd.
Rochester, NY 14625 -
Advantage Federal Credit Union
Global Village
6000 Reynolds Dr.
Rochester, NY 14623
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- Federally Insured by the NCUA.
Advantage Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 585.454.5900 Ext. 5 . All products and services available on this website are available at all branches.