|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Advantage Federal Credit Union FCU Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Advantage Federal Credit Union FCU's 5 Month Share & IRA CD Specials rates are at 3.90%, 9 Month Share & IRA CD Specials rates are at 3.60%, 23 Month Share & IRA CD Specials rates are at 3.00%, 18-23 Month Term IRA CDs rates are at 0.45%, 24-29 Month Term IRA CDs rates are at 0.45%. Advantage Federal Credit Union FCU's savings rates are at 3.00%. Advantage Federal Credit Union FCU's money market rates are at 0.05%. Advantage Federal Credit Union FCU's Personal Loan Rates are at 4.99%. 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 3.10%. Rates were last updated on 04/18/2026. 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. Advantage Federal Credit Union FCU
Metro Park 70 Metro Park
https://www.advantagefcu.org Rochester, NY 14623 
Advantage Federal Credit Union FCU CD Rates
Advantage Federal Credit Union FCU Savings Rates
Advantage Federal Credit Union FCU Money Market Rates
Advantage Federal Credit Union FCU Checking Rates
Advantage Federal Credit Union FCU Home Equity & HELOC
Advantage Federal Credit Union FCU Auto Loan Rates
Advantage Federal Credit Union FCU Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
98
Part-Time Employees
6
Branch Locations
7
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.10%
Return on Assets (ROA)
0.4170%
Return on Equity (ROE)
4.2597%
Non-Performing Loans Ratio (NPL)
0.42%
Total Assets
485,943,803
Total Amount of Shares and Deposits
357,740,334
Total Shares and Deposits < 1 Year
356,487,284
Total Shares and Deposits 1 3 Years
1,081,549
Total Shares and Deposits > 3 Years
171,501
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
26,363,440
Total Uninsured Shares and Deposits > $250K (F+J)
26,363,440
Total Insured Shares and Deposits > $250K (item 17 less item K)
331,376,894
Total Interest Expense (Sum of items 6 8)
6,674,392
Share Certificates
2,375
Number of Accounts for Share Drafts
20,929
IRA KEOGH Accounts
411
Number of Accounts for Regular Shares
44,221
All other shares
29
Non Member Deposits
12
Money Market Shares
1,093
Net Income (unless the amount is already included in Undivided Earnings)
189,145
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,237,296
Total Liabilities
451,163,330
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Advantage Federal Credit Union FCUIs Advantage Federal Credit Union FCU a safe place to deposit money?Yes, Advantage Federal Credit Union FCU is considered a safe financial institution. With a Texas Ratio of 3.1029469546812%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Advantage Federal Credit Union FCU Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Brightview Federal Credit Union
Ethicon Suture Credit Union
Garden City Teachers Federal Credit Union
Stewarts Federal Credit Union
BMH Federal Credit Union
Bellco Federal Credit Union
River Valley Credit Union Ames, IA
Upstate Federal Credit Union
Kyger Creek Credit Union
Border Federal Credit Union
Lebanon Federal Credit Union
Ohio Teamsters Credit Union
Natco Credit Union
Guco Credit Union
Rockford Municipal Employees Credit Union
CASTPARTS EMPLOYEES
Greater Springfield Credit Union
Shrewsbury Federal Credit Union
U S POSTAL SERVICE
Southern Gas Federal Credit Union
ALCO
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
