About Genesee Co-op

Our Mission

Genesee Co-op Federal Credit Union provides a broad range of affordable, quality services to increase the financial skills and wealth of our member-owners. We are responsive to the needs of our community. We are committed to social inclusiveness. We are dedicated to responsible community development and education.

Our Vision

Everyone in the Rochester community has fair and responsible financial services that build community wealth and create an equitable local economy.

You can join Genesee Co-op if you are an individual who lives, works, worships, volunteers, or attends school in any of the following areas. Business located in these areas can also join!

  • Corn Hill
  • Downtown
  • Ellwanger-Barry
  • Highland
  • Neighborhood of the Arts
  • Pearl-Meigs-Monroe
  • Plymouth-Exchange
  • South Wedge
  • Strong
  • Swillburg
  • Upper Monroe
  • Wadsworth Square

We also serve members of the following community organizations:

  • Amvets
  • Community Darkroom (now Flour City Arts Center)
  • Gay Alliance of Genesee Valley
  • Genesee Co-op Natural Foodstore (dba Abundance Cooperative Market)
  • Metro Justice
  • 19th Ward Community Association
  • Open Sky Yoga
  • Rochester Friends Monthly Meeting
  • South East Area Coalition

And family members (by blood, marriage, domestic partnership, or adoption) of a Genesee Co-op FCU member. If you do not meet any of these criteria, we can help you join Metro Justice or Flour City Arts Center at the credit union!


More About Who We Are

On January 19, 1982 Genesee Co-op FCU accepted its first deposit, which we kept in a small cashbox. All our records were kept on paper ledgers, and we only offered share savings and very small loans.

Since that time, Genesee Co-op FCU has loaned more than $90 million to its member-owners to buy homes and cars, pay for education and start or expand businesses. Members use Genesee Co-op FCU for more than their daily financial needs. We have become a place for first opportunities and second chances. We have watched members rebuild or establish credit with our help and become successful homeowners as well as thriving business owners and entrepreneurs. Through the ongoing support of our members, Genesee Co-op FCU has been able to provide low-cost personal financial services and a level of friendliness and personal service that means we actually know our members and are committed to their financial well-being.

Today more than 4000 people are member-owners with total savings of over $30 million.  While your credit union has always been a locally-focused institution, members who have moved far away continue to use this place for their checking, savings, and borrowing needs.

The Board of Directors and staff of Genesee Co-op want to thank all of the volunteers and employees who have been a part of our financial cooperative.

Genesee Co-op FCU is:

  • A Community Development Credit Union(CDCU) – that means we have a special designation because we serve a predominantly lower-income community. We are also committed to community development initiatives such as increasing affordable housing, assisting microenterprise and small businesses with services and loans, and providing financial counseling as a core part of our mission to serve our members. For more information on CDCU's, please visit http://www.cdcu.coop
  • A Community Development Financial Institution(CDFI) – that means we are recognized by the U.S. Department of the Treasury as a financial institution serving low and moderate income people and neighborhoods. Our designation as a CDCU helped us earn our recognition as a CDFI. For more information on CDFI's, please visit http://www.cdfifund.gov
  • A Financial Cooperative, Locally-Owned by its Members – that means we are part of the larger cooperative movement (food co-ops, worker co-ops, farm co-ops, housing co-ops, etc.). Our structure as a co-op means our members elect our board of directors who are responsible for the policies of the credit union. Our members OWN this financial institution! For more information on Co-ops, please visit http://www.ncba.coop

Our Members make the difference.

Member Since 2007

Alina had a car loan with HSBC that was at 18.26% which we refinanced for her at the credit union at 8.25% after she made on time payments for one year.

"Basically what institutions like our CU does for 'underserved' people like me, is to put a little faith and trust in our financial life. And that is all we need in order to get out of our broken situation. Believing in the human ability to overcome any situation just by supporting them is enough.

We human beings have an extraordinary capacity or resilience to move on to the next level and then aim for a better future.

I am a true example of that ... A woman with such a bleak financial broken history and here there is a bank in a city where I never imagined myself living someday who put a little bit of that 'faith' in me. What a miracle!"

Alina Diaz

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