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 Rochester & Monroe County Employees Federal Credit Union 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 11, 2026
Rochester & Monroe County Employees Federal Credit Union's 11 Month SPECIAL CD rates are at 4.05%, 24 Month SPECIAL CD rates are at 3.50%, 60 Month CD rates are at 2.78%, 48 Month CD rates are at 2.52%, 36 Month CD rates are at 2.27%. Rochester & Monroe County Employees Federal Credit Union's savings rates are at 0.05%. Rochester & Monroe County Employees Federal Credit Union's money market rates are at 0.05%. Rochester & Monroe County Employees Federal Credit Union's Personal Loan Rates are at 8.50%. MonitorBankRates evaluates the financial stability of Rochester & Monroe County Employees Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.66%. Rates were last updated on 04/11/2026. Rochester & Monroe County Employees Federal Credit Union 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 Rochester & Monroe County Employees Federal Credit Union? Share your experience about Rochester & Monroe County Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Rochester & Monroe County Employees Federal Credit Union. Rochester & Monroe County Employees Federal Credit Union
Main Office 460 N Goodman St
https://www.rocmon.org Rochester, NY 14609 6135 
Rochester & Monroe County Employees Federal Credit Union CD Rates
Rochester & Monroe County Employees Federal Credit Union Savings Rates
Rochester & Monroe County Employees Federal Credit Union Money Market Rates
Rochester & Monroe County Employees Federal Credit Union Mortgage Rates
Rochester & Monroe County Employees Federal Credit Union Home Equity & HELOC
Rochester & Monroe County Employees Federal Credit Union Auto Loan Rates
Rochester & Monroe County Employees Federal Credit Union Credit Card Rates
Rochester & Monroe County Employees Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Rochester & Monroe County Employees Federal Credit Union 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 Rochester & Monroe County Employees Federal Credit Union 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 Rochester & Monroe County Employees Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Rochester & Monroe County Employees Federal Credit Union
Website
https://www.rocmon.org
Address
460 N Goodman St,
Rochester, NY 14609 6135
Phone
585-546-4279
Fax
585-546-3745
President
Brayton Connard
CEO
Andrea Thune
Full-Time Employees
7
Part-Time Employees
2
Branch Locations
3
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.66%
Return on Assets (ROA)
0.1388%
Return on Equity (ROE)
1.2353%
Non-Performing Loans Ratio (NPL)
1.21%
Total Assets
44,018,174
Total Amount of Shares and Deposits
39,078,824
Total Shares and Deposits < 1 Year
38,862,841
Total Shares and Deposits 1 3 Years
208,312
Total Shares and Deposits > 3 Years
7,671
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,652,998
Total Uninsured Shares and Deposits > $250K (F+J)
1,652,998
Total Insured Shares and Deposits > $250K (item 17 less item K)
37,425,826
Total Interest Expense (Sum of items 6 8)
267,190
Share Certificates
346
Number of Accounts for Share Drafts
1,159
IRA KEOGH Accounts
74
Number of Accounts for Regular Shares
4,247
All other shares
413
Money Market Shares
251
Net Income (unless the amount is already included in Undivided Earnings)
61,077
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,385,052
Total Liabilities
39,129,104
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Rochester & Monroe County Employees Federal Credit UnionIs Rochester & Monroe County Employees Federal Credit Union a safe place to deposit money?Yes, Rochester & Monroe County Employees Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 6.6641048225704%, 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 Rochester & Monroe County Employees Federal Credit Union operate?Rochester & Monroe County Employees Federal Credit Union 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 Rochester & Monroe County Employees Federal Credit Union?Yes, to access services at Rochester & Monroe County Employees Federal Credit Union, 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, Rochester & Monroe County Employees Federal Credit Union 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, Rochester & Monroe County Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Rochester & Monroe County Employees Federal Credit Union offer online and mobile banking?Most modern institutions like Rochester & Monroe County Employees Federal Credit Union 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.rocmon.org. Current Rochester & Monroe County Employees Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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