Membership

About Us

Our Mission and Values

Advantage Federal Credit Union (AFCU) is a not-for-profit financial organization, wholly and locally owned and operated by and for its members.   As a cooperative financial institution, AFCU members benefit from generous dividends on savings and low rates on loans. Serving its members in the Rochester community since 1931, AFCU now serves over 33,000 members and has assets over $350 million. A volunteer board of directors governs Advantage. About one out of every four Americans is a member of a credit union. This number steadily increases and surveys show that people choose credit unions over all other financial institutions for consumer satisfaction!
AFCU Mission: To be every member’s first choice for financial services. Joining your credit union gives you and your family instant money-saving opportunities. Pass the word on to your friends and neighbors, so they too can start enjoying the money-saving benefits of membership in Advantage.
Our CORE Values – We believe that if we…

• Do the right thing for members and employees EVERY time.
• Provide physical safety and electronic security for our employees and our members.
• Embrace change and try new things.
• Expect all employees to engage in business development and provide quality service to our members.
• Recognize that all employees want to succeed.
• Never become complacent.
• Support financial literacy and education in our community.

…we will succeed!
You’re a Member for Life!   When you join Advantage, you become a member for life. A change in employment, retirement, or a move to another location will not affect the status of your credit union membership.

How to Join

Belonging is easy

To become a member, stop by any one of our branches:

• 225 W. Broad St.
• 1625 Mt. Hope Avenue
• 1975 Buffalo Road
• 2515 Browncroft Blvd.
• Rochester General Hospital; Parnall Bldg., Suite G-08
• Rochester Institute of Technology
• UR Medical Center

Please be prepared to show two forms of identification providing proof of your current address. One document must be a photo ID such as: New York State Driver’s License or Non-Driver ID, NY State Pistol Permit or Passport. You will receive a membership kit and complete information regarding your account.

*Membership is subject to eligibility. To join the credit union you must meet the membership requirements including purchase and maintenance of the minimum required share(s) (“membership share”) as set forth in the credit union’s bylaws. You authorize us to check your account, credit and employment history, and obtain reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request. As a condition of membership, you must purchase and maintain the minimum required shares set forth below: Par value of one share: $5.00 Number of shares required: 1

Eligibility

Requirements

Membership in Advantage is available to:

• Employees, retirees and volunteers of Advantage Select Employer Groups.
• Individuals who live, work, worship, volunteer, or attend school in the City of Rochester.*
• Immediate family members and household members of individuals who are eligible for membership.

*City membership is open to zip codes 14604 through 14616; 14619 through 14621; 14627; 14649; or 14652. Advantage is proud to be affiliated with such organizations as the University of Rochester, The Rochester City School District, Rochester Regional Health, Rochester Institute of Technology and now Advantage can provide its products and services to people who previously were not afforded the opportunity to belong to a credit union. Any public, private or parochial school, university or college in Monroe County not currently served by a credit union is eligible for membership.

Employer Groups

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