Rates
Rates
Choose a button below to view all current Annual Percentage Rates.
Auto Loans
| Car Loan as of July 1, 2025 | |||
| Model Year Term | Term | APR as low as | *Est. Payment/$1,000 |
|---|---|---|---|
| (Years 2023 & Newer) | Up to 60 Months | 4.99% | $18.87 |
| 72 Months | 5.49% | $16.33 | |
| 84 Months** | 6.49%** | $14.84** | |
| 96 Months** | 7.49%** | $13.88** | |
| Used (Years 2017 to 2022) | Up to 60 Months | 5.74% | $19.21 |
| 72 Months | 6.24% | $16.69 | |
| 84 Months** | 7.24%** | $15.21** | |
| Older (Years 2016 and Older) | Up to 60 Months | 6.49% | $19.56 |
| 72 Months | 6.99% | $17.04 | |
| **Terms over 72 months have a minimum loan amount of $30,000 | |||
*Estimate includes principal and interest only. Annual Percentage Rates (APR) will vary from 4.99% APR to 17.49% APR. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates are determined by past credit history and year of vehicle. Rates do not apply to refinance of an existing loan with Advantage Federal Credit Union. Rates subject to change without notice. Proceeds for auto purchase transactions will only be payable to the sellers of vehicles. Proceeds for auto refinance transactions will be payable to the creditor currently holding the lien with a balance owed for the amount of that lender’s written payoff per Advantage terms and conditions. Membership subject to eligibility. Other terms are available. Limited time offer. APR = Annual Percentage Rate
Home Equity
| Home Equity Products as of July 1, 2025 | |||
| Amount | Term | APR as low as | *Est. Payment/$1,000 |
|---|---|---|---|
| $7,500 - $300,000 | 60 months | 6.49% | $19.56 |
| 84 months | 6.49% | $14.84 | |
| 120 months | 6.99% | $11.61 | |
| 180 months | 7.25% | $9.13 | |
| Home Equity Line of Credit as of July 1, 2025 | |||
| Amount | APR as low as | *Est. Payment/$1,000 | |
| $7,500 - $300,000 | 7.00% | $7.62** | |
| **calculation is 7.00% over 30 years | |||
Rate as low as Prime minus 0.50%.
*Estimate includes principal and interest only.
Loans subject to credit approval and application. Actual rates may vary and subject to change without notice.
APR = Annual Percentage Rate
Membership subject to eligibility.
Checking
| Home Equity Products as of July 1, 2025 | |||
| Amount | Term | APR as low as | *Est. Payment/$1,000 |
|---|---|---|---|
| $7,500 - $300,000 | 60 months | 6.49% | $19.56 |
| 84 months | 6.49% | $14.84 | |
| 120 months | 6.99% | $11.61 | |
| 180 months | 7.25% | $9.13 | |
| Home Equity Line of Credit as of July 1, 2025 | |||
| Amount | APR as low as | *Est. Payment/$1,000 | |
| $7,500 - $300,000 | 7.00% | $7.62** | |
| **calculation is 7.00% over 30 years | |||
Rates are subject to change without notice.
APY = Annual Percentage Yield
Membership subject to eligibility.
Savings
| Savings Rates as of July 1, 2025 | |||
| Account Type | Dividends Paid | Rate | APY |
|---|---|---|---|
| Round-Up Savings*** | Quarterly | 3.00% | 3.03% |
| Spread-the-Check | Quarterly | 0.03% | 0.03% |
| Vacation Club | Quarterly | 0.03% | 0.03% |
| Basic | Quarterly | 0.03% | 0.03% |
| Holiday Club | Quarterly | 0.03% | 0.03% |
| IRA Shares | Quarterly | 0.45% | 0.45% |
| Youth Savings as of July 1, 2025 | |||
| Balance | Dividends Paid | Rate | APY |
|---|---|---|---|
| Up to $10,000 | Quarterly | 3.00% | 3.03% |
| $10,001 and up | Quarterly | 0.50% | 0.50% |
| Super Saver*** as of July 1, 2025 | |||
| Balance | Dividends Paid | Rate | APY |
|---|---|---|---|
| $50,000 - $149,999 | Monthly | 2.47% | 2.50% |
| $150,000 - $249,999 | Monthly | 2.96% | 3.00% |
| $250,000 - $349,999 | Monthly | 3.20% | 3.25% |
| $350,000 - $499,999 | Monthly | 3.45% | 3.50% |
| $500,000 and up | Monthly | 3.93% | 4.00% |
| Money Market*** as of July 1, 2025 | |||
| Balance | Dividends Paid | Rate | APY |
|---|---|---|---|
| Up to $9,999 | Monthly | 0.05% | 0.05% |
| $10,000 - $24,999 | Monthly | 0.08% | 0.08% |
| $25,000 - $49,999 | Monthly | 0.10% | 0.10% |
| $50,000 and up | Monthly | 0.12% | 0.12% |
| Money Market PLUS*** as of July 1, 2025 | |||
| Balance | Dividends Paid | Rate | APY |
|---|---|---|---|
| $0 - $74,999 | Monthly | 0.00% | 0.00% |
| $75,000 - $124,999 | Monthly | 0.15% | 0.15% |
| $125,000 - $199,999 | Monthly | 0.16% | 0.16% |
| $200,000 - $399,999 | Monthly | 0.18% | 0.18% |
| $400,000 and UP | Monthly | 2.00% | 2.02% |
*Minimum balance to open is $2,500. Interest is paid monthly and is calculated using the daily balance method. Minimum balance required to maintain the account is $2,000. Balance below $2,000 are assessed a monthly $5.00 service charge.
**Minimum balance to open is $75,000. Interest is paid monthly and is calculated using the daily balance method.
***Minimum balance required. Rates effective February 17, 2023. New money only. Rates subject to change without notice. Membership subject to eligibility. Federally insured by NCUA.
****Dividends are paid quarterly on balances greater than $.01. Dividends are calculated using the daily balance method. Only round-up transactions are accepted for this account. Other methods of deposit are prohibited.
Rates are subject to change without notice. Fees may reduce earnings.
APY=Annual Percentage Yield
Mortgages
| Conventional Mortgages as of July 1, 2025 | |||
| Programs | Rate | APR | *Est. Payment/$1,000 |
|---|---|---|---|
| 30 Year Fixed | 6.375% | 6.550% | $6.24 |
| 25 Year Fixed | 6.375% | 6.587% | $6.67 |
| 20 Year Fixed | 6.375% | 6.624% | $7.38 |
| 15 Year Fixed | 6.000% | 6.308% | $8.44 |
| 10 Year Fixed | 6.000% | 6.436% | $11.10 |
*Estimate includes principal and interest only. The rates are for loans in the range of $35,000 to $726,200. Owner-occupied 1-4 family properties within New York State west and north of Albany County. All Annual Percentage Rates (APR) are based on a 20% down payment and amortized over the maximum term. Other options available. Rates are subject to change without notice.
For information regarding Adjustable Rate Mortgages please call 585.454.5900.
Visa Credit Cards
| Advantage FCU Visa Classic as of July 1, 2025 | ||
| Annual Percentage Rate (APR) as low as | Est. Payment | |
|---|---|---|
| 13.95% | Min. Payment of $10.00 Or 2% of Balance |
|
No balance transfer fees. No cash advance fees. Points are earned based on your qualifying net purchases (purchases minus returns and/or other related credits), as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding). Cannot earn Points for cash advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind on your card account. Credits to your Account will reduce the Points available in your account. Rates range from 11.95% APR to 18% APR depending on your creditworthiness. All loans subject to credit approval. A 1% foreign transaction fee applies. Depending on your credit history, an annual fee, up to $20, may apply. Rates are subject to change without notice. Fees may reduce earnings.
| Advantage FCU Visa Signature as of July 1, 2025 | ||
| Annual Percentage Rate (APR) as low as | Est. Payment | |
|---|---|---|
| 16.00% | Min. Payment of $10.00 Or 1.5% of Balance |
|
Membership subject to eligibility and loan approval. Foreign transaction fee of 1.0%. APR is 16.00%. Certain restrictions, limitations and exclusions apply. Rates are subject to change without notice. Fees may reduce earnings.
Other Loans
| Personal as of July 1, 2025 | ||
| Term | APR as low as | *Est. Payment/$1,000 |
|---|---|---|
| 1 Year | 11.00% | $88.40 |
| 2 Year | 13.00% | $47.56 |
| 3 Year | 13.50% | $33.95 |
| 4 Year | 13.50% | $27.09 |
| 5 Year | 13.50% | $23.02 |
| Debt Consolidation as of July 1, 2025 | |||
| Amount of Loan | Term | APR as low as | *Est. Payment/$1,000 |
|---|---|---|---|
| Up to $20,000 | 3 Year | 10.00% | $32.28 |
| 4 Year | 10.70% | $25.71 | |
| 5 Year | 10.70% | $21.60 | |
| 6 Year | 11.70% | $19.41 | |
| Home Improvement as of July 1, 2025 | ||
| Term | APR as low as | *Est. Payment/$1,000 |
|---|---|---|
| 5 Year | 8.50% | $20.52 |
| 10 Year | 9.50% | $10.45 |
| Boat/RV/Motorcycle as of July 1, 2025 | |||
| New / Used | Term | APR as low as | *Est. Payment/$1,000 |
|---|---|---|---|
| New & Used | 5 Year | 7.00% | $19.81 |
| New & Used | 10 Year | 8.90% | $12.63 |
| Overdraft Line of Credit as of July 1, 2025 | |
| APR as low as | 16.95% |
| Loan Secured by Term Share Cert (TSC) as of July 1, 2025 | |
| APR as low as | TSC Rate + 2.00% |
| Loan secured by Regular Shares as of July 1, 2025 | |
| APR as low as | 5.75% |
*The Credit Union may offer other rates for these accounts periodically. Rates are subject to change without notice. Fees may reduce earnings.
APR=Annual Percentage Rate
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Routing Transit Number/ABA Number:
222382292
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SWIFT Code:
AFCUUS33
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NMLS Number:
619501
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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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