Credit Unions in Rochester, NY
11 member-owned, NCUA-insured credit unions headquartered in or near Rochester, serving a combined 683,442 members. The largest is Esl. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Esl
Rochester, NY🇺🇸
485,535 members
Credit Unions & BankingView details →The Summit
ROCHESTER, NY🇺🇸
98,362 members
Credit Unions & BankingView details →Advantage
Rochester, NY🇺🇸
34,283 members
Credit Unions & BankingView details →Ukrainian
ROCHESTER, NY🇺🇸
28,310 members
Credit Unions & BankingView details →Family First Of Ny
ROCHESTER, NY🇺🇸
14,765 members
Credit Unions & BankingView details →Ever $ Green
ROCHESTER, NY🇺🇸
5,228 members
Credit Unions & BankingView details →St. Pius X Church
ROCHESTER, NY🇺🇸
5,009 members
Credit Unions & BankingView details →Genesee Co-Op
ROCHESTER, NY🇺🇸
4,554 members
Credit Unions & BankingView details →Rochester & Monroe Co Emp
Rochester, NY🇺🇸
4,059 members
Credit Unions & BankingView details →Gates Chili
Rochester, NY🇺🇸
2,013 members
Credit Unions & BankingView details →Greece Community
ROCHESTER, NY🇺🇸
1,324 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Rochester: they are based in or near Rochester. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Rochester
4 more credit unions headquartered elsewhere have a branch in Rochester, NY. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Visions
ENDICOTT, NY🇺🇸
253,264 members
Credit Unions & BankingView details →Kinecta
Manhattan Beach, CA🇺🇸
225,848 members
Credit Unions & BankingView details →Reliant Community
Sodus, NY🇺🇸
49,619 members
Credit Unions & BankingView details →Alternatives
Ithaca, NY🇺🇸
12,051 members
Credit Unions & BankingView details →- Visions — branch: 1130 E Main St Rochester, NY 14609
- Kinecta — branches: 1425 Jefferson Rd Rochester, NY 14623; 3603 Mount Read Blvd Rochester, NY 14616
- Reliant Community — branches: 625 Titus Ave Rochester, NY 14617-3918; 1200 Marketplace Dr Rochester, NY 14623
- Alternatives — branch: 1275 Lexington Ave Rochester, NY 14606
How to join a credit union in New York
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Rochester or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in Rochester — common questions
How many credit unions are in Rochester?
11 member-owned, NCUA-insured credit unions are headquartered in or near Rochester, New York, with a combined 683,442 members. The largest is Esl.
Are these the closest credit unions to me in Rochester?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Rochester, geocoded to the city. The second list adds 4 more credit unions headquartered elsewhere that NCUA shows with a branch in Rochester, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Rochester?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in New York accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Rochester?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.