Credit Builder Products*
Good credit begins with the basics!
Let us help you with step-by-step tools and exciting new products.
We are here to help you build a solid foundation toward financial wellness!
1st Credit Card
Start building your credit with a low-rate Visa. Earn Rewards on everyday purchases with no cap on maximum rewards earned.
"Why is building credit so important?"
- • Good credit = lower interest rates!
- • Increased borrowing capacity
- • Beneficial for major purchases like a home or car
- • Lower car insurance premiums
- • Easier access to credit opportunities
- • More apartment lease options
- • Helps satisfy employment background checks
Rewards & Benefits
- • FICO Credit Score on Quarterly Statements – FREE!
- • Great Purchase Rewards
- • REAL TIME Fraud Alerts
- • Credit cards can be issued instantly on-site
Eligibility Criteria
- • These products are intended for individuals with little or no credit.
- • Individual credit only. Not intended for co-borrowers / co-signers.
- • Verifiable and consistent income source required
- • Graduating students with a written employment offer may be considered
- If this doesn't sound like you but you are looking for a Visa Credit Card, you may be interested in our Visa Signature or Classic Cards with great perks and better rewards!
Apply for your 1st Credit Card today!
1st Auto Loan
You'll always remember your first car! Let Advantage FCU put you in the driver's seat with our 1st Auto Program. We want you on the road to financial success.
- • No co-borrower required
- • Must be 18 or older
- • Must have a valid Driver's License
Eligibility Criteria
- • No credit history required
- • Cannot have any delinquent credit history including collection accounts
- • Must take and pass a credit-building course before closing
- • Verifiable consistent income source for at least six months
- • Graduating students with written employment offer may be considered
- • Maximum amount financed not to exceed $30,000
- • Terms will not exceed 72 months
- • Must have valid Driver's License (No permits or suspended licenses)
- • Vehicle must be bought through a franchise dealership. No private sales.
If this doesn't sound like you but you are looking for an Auto Loan, you may be interested in one of our standard Auto Loans with everyday great rates!
Apply for your 1st Credit Card today!
Looking for more information? Click here for our Credit Builder* Education Document .
*Credit Builder Products are not guaranteed to build credit and/or increase your credit score.
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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