MonitorBankRates
☰
  1. Home›
  2. Credit Unions›
  3. Advantage Federal Credit Union FCU
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 May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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 →
| iEditorial Disclosure
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: May 7, 2026

Advantage Federal Credit Union FCU's savings rates are at 3.00%. Advantage Federal Credit Union FCU's Personal Loan Rates are at 3.99%. 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 05/07/2026.

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.

MonitorBankRates Verified Strong Badge 2026 Verified Strong 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 ?
3.10%
Excellent Lower than avg
Advantage Federal Credit Union FCU
Metro Park
70 Metro Park
Rochester, NY 14623
https://www.advantagefcu.org
Member NCUA

Advantage Federal Credit Union FCU Savings Rates

Product Rate APY View More
Round-Up Savings - 3.00%
No additional details.
Last Updated 05/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.10%

Advantage Federal Credit Union FCU Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 3.99%
Details As Low As
Last Updated 05/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.10%
Auto Loans - - 3.99%
Details As Low As
Last Updated 05/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.10%

Advantage Federal Credit Union FCU Credit Card Rates

Product Rate APR View More
Visa Classic - 13.95%
No additional details.
Last Updated 05/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.10%
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.
Powered by MonitorBankRates

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 98
Part-Time Employees 6
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
3.10%
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
MonitorBankRates Verified Strong Badge 2026
2026 MBR Health & Safety Badge

Advantage Federal Credit Union FCU earned the Verified Strong badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://www.monitorbankrates.com/credit-unions/advantage-federal-credit-union-rates-review-24181">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-b-2026.svg"
       alt="MonitorBankRates Verified Strong Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Advantage Federal Credit Union FCU yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Advantage Federal Credit Union FCU
Your Name:
Your Rating:

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.

Current Advantage Federal Credit Union FCU Rates

  • Savings3.00%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Franklin Somerset Federal Credit Union Trenton New Jersey Firemen Federal Credit Union Green Mountain Credit Union RIVERSIDE COMMUNITY Independence Teachers Credit Union Newark Post Office Employees Credit Union Eddy Federal Credit Union Collins Community Credit Union City of Clarksburg Federal Credit Union HOCU Honolulu Federal Credit Union Police Federal Credit Union Of Connecticut Energize Credit Union P&S Credit Union Ouachita Valley Health System Federal Credit Union PrimeTrust Financial Federal Credit Union Sweetwater Regional Federal Credit Union USPLK Employees Federal Credit Union Wabellco Federal Credit Union Visions Federal Credit Union U S #1364 Federal Credit Union RadiFi Credit Union