Credit Unions in Rochester, NY
11 member-owned, NCUA-insured credit unions headquartered in or near Rochester, serving a combined 660,830 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🇺🇸
463,379 members
Credit Unions & BankingView details →The Summit
ROCHESTER, NY🇺🇸
96,919 members
Credit Unions & BankingView details →Advantage
Rochester, NY🇺🇸
34,565 members
Credit Unions & BankingView details →Ukrainian
ROCHESTER, NY🇺🇸
28,425 members
Credit Unions & BankingView details →Family First Of Ny
ROCHESTER, NY🇺🇸
14,736 members
Credit Unions & BankingView details →Ever $ Green
ROCHESTER, NY🇺🇸
5,282 members
Credit Unions & BankingView details →St. Pius X Church
ROCHESTER, NY🇺🇸
5,187 members
Credit Unions & BankingView details →Genesee Co-Op
ROCHESTER, NY🇺🇸
4,556 members
Credit Unions & BankingView details →Rochester & Monroe Co Emp
Rochester, NY🇺🇸
4,209 members
Credit Unions & BankingView details →Gates Chili
Rochester, NY🇺🇸
2,219 members
Credit Unions & BankingView details →Greece Community
ROCHESTER, NY🇺🇸
1,353 members
Credit Unions & BankingView details →Locations are a credit union's NCUA charter (headquarters), geocoded to the city — not its individual branches. A listing here means a credit union is based in or near Rochester, not that it is the nearest branch to you.
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 660,830 members. The largest is Esl.
Are these the closest credit unions to me in Rochester?
This page lists credit unions whose NCUA charter (headquarters) is based in or near Rochester — geocoded to the city, not to individual branches. A credit union based elsewhere may still have a branch near you, and one based here may serve a wider area. 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.