What are the current interest rates at Advantage Federal Credit Union FCU?

Current rates for Advantage Federal Credit Union FCU include: 24-Month CD: 4.25%, Savings: 3.00%

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Advantage Federal Credit Union FCU

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Advantage Federal Credit Union FCU Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Advantage Federal Credit Union FCU provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 5, 2026

Advantage Federal Credit Union FCU's top rates as of October 5, 2026 are 4.25% APY on its 7 - 24 Month CD, 3.00% APY on savings, auto loans from 4.99% APR, and credit cards from 13.95% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Advantage Federal Credit Union FCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.72%. Rates last updated and verified on 10/05/2026.

Advantage Federal Credit Union FCU money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Advantage Federal Credit Union FCU? Share your experience about Advantage Federal Credit Union FCU by leaving a review below, or read customer reviews before you decide to use Advantage Federal Credit Union FCU.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.72%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Advantage Federal Credit Union FCU
Metro Park

70 Metro Park
Rochester, NY 14623

https://www.advantagefcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Advantage Federal Credit Union FCU CD Rates

Product	Rate	APY	Term	View More
7 - 24 Month Share Certificate	-	4.25%	7 to 24 months
Details Choose Your Own Term! Last Updated 10/05/2026 Rate History No change since Oct 5, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%

Advantage Federal Credit Union FCU Savings Rates

Product	Rate	APY	View More
Round-Up Savings	-	3.00%
No additional details. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%

Advantage Federal Credit Union FCU Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.99%
Details AS LOW AS Last Updated 10/05/2026 Rate History 1 change since Sep 14, 2026 · 3.99% → 4.99% ▲ 1.00 pts · high 4.99% / low 3.99% Oct 5, 20264.99%▲ from 3.99% Sep 14, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%

Advantage Federal Credit Union FCU Credit Card Rates

Product	Rate	APR	View More
Visa Classic	-	13.95%
No additional details. Last Updated 10/05/2026 Rate History No change since Sep 14, 2026 · 13.95% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.72%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Advantage Federal Credit Union FCU’s Texas Ratio rose from 1.80% in Q3 2023 to 3.72% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$498M	3.72%	5.0	A+
March 31, 2026	$482M	3.18%	5.0	A+
December 31, 2025	$490M	3.43%	5.0	A+
September 30, 2025	$486M	2.91%	5.0	A+
June 30, 2025	$474M	3.27%	5.0	A+
March 31, 2025	$474M	2.44%	5.0	A+
December 31, 2024	$478M	1.77%	5.0	A+
September 30, 2024	$479M	2.29%	5.0	A+
June 30, 2024	$487M	1.68%	5.0	A+
March 31, 2024	$489M	1.14%	5.0	A+
December 31, 2023	$496M	1.39%	5.0	A+
September 30, 2023	$495M	1.80%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Advantage Federal Credit Union FCU is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Advantage Federal Credit Union FCU rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Advantage Federal Credit Union FCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Advantage Federal Credit Union FCU

Website https://www.advantagefcu.org

Address 70 Metro Park, Rochester, NY 14623

Phone 585-454-5900

Fax

President Tom Yale

CEO Jeff Bocach

Full-Time Employees 102

Part-Time Employees 7

Branch Locations 7

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.72%

Return on Assets (ROA)

0.3334%

Return on Equity (ROE)

3.3112%

Non-Performing Loans Ratio (NPL)

0.55%

Total Assets

497,516,912

Total Amount of Shares and Deposits

368,906,216

Total Shares and Deposits < 1 Year

367,152,931

Total Shares and Deposits 1 3 Years

1,484,307

Total Shares and Deposits > 3 Years

268,979

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

30,497,044

Total Uninsured Shares and Deposits > $250K (F+J)

30,497,044

Total Insured Shares and Deposits > $250K (item 17 less item K)

338,409,172

Total Interest Expense (Sum of items 6 8)

3,962,599

Share Certificates

2,587

Number of Accounts for Share Drafts

20,941

IRA KEOGH Accounts

408

Number of Accounts for Regular Shares

44,682

All other shares

Non Member Deposits

Money Market Shares

1,071

Net Income (unless the amount is already included in Undivided Earnings)

172,663

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,248,629

Total Liabilities

459,775,988

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Advantage Federal Credit Union FCU earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/advantage-federal-credit-union-rates-review-24181">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Advantage Federal Credit Union FCU

How many branches does Advantage Federal Credit Union FCU operate?

Advantage Federal Credit Union FCU currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Advantage Federal Credit Union FCU?

Yes, to access services at Advantage Federal Credit Union FCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Advantage Federal Credit Union FCU does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Advantage Federal Credit Union FCU provides members with tools to manage their accounts and build a solid financial history.

Does Advantage Federal Credit Union FCU offer online and mobile banking?

Most modern institutions like Advantage Federal Credit Union FCU provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.advantagefcu.org.