Online Banking
Cancel
Login

Loan Center

Welcome to our online loan center! Please check out our loan rates, mortgage rates, or even fill out an online loan application.

Loans
Your Credit Union offers every type of consumer loan:

A big advantage is that all of your loan obligations can be budgeted and paid through payroll deduction.

VISA
Your Credit Union has one of the best VISA cards in town. Just look at some of the advantages:



Loan Applications



To apply for a loan, follow the 3 easy steps:

  1. Download the loan application.
  2. Complete the application form.
  3. Save the loan application document on your computer, then close the document.
  4. Send the application to us in one of the following ways:
    • e-mail by attaching the document then send to loans@rocmon.org
    • FAX to 585-546-3745
    • US Mail: 460 N. Goodman Street, Rochester, NY 14609
  5. Please note that a copy of a recent pay stub is required to close the loan.

Rates

Loan Rates Schedule of Fees Investment Rates Share Certificate

Effective as of: July 3, 2017
Savings
Saving at your Credit Union is easier than at a bank. When you save in your share or savings account, you earn quarterly dividends. If you want money, you can withdraw it in person.  If that's not convenient, you can ask the Credit Union to send you a check (which is always mailed out that same day). You can also transfer money from one account to another by phone, or with CU Connect. Simple as that!
Checking
Your Credit Union checking share draft account works like most other checking accounts. However, there are some real advantages:
Dividends are credited quarterly
No monthly service charge*
No minimum balance
Duplicate format checks
No per check charge
Itemized monthly statements
Automatic payroll deduction
Overdraft check protection
ATM debit card
*Other fees may apply
IRA
An IRA is a must for a better retirement. Your credit Union IRA is an open-ended savings account (no term commitment). These accounts have several excellent features:
Variable rate
For you and your spouse (even if he or she is not working)
Fully insured
Dividends are credited quarterly
Small administrative fees
Early withdrawals are subject to IRS penalties.
Money Market Accounts
A Money Market Account is a great way to save money, with a low $2,500 opening deposit. You get a lot of pluses with your Credit Union:
Deposit of $50,000 or more is required for the highest rate
Higher than bank or fund rates
No penalty charges for withdrawal
Insured up to $250,000
Three transactions per month
Monthly statements
Dividends are credited monthly
Savings / Money Market / IRA
 DescriptionRateAPY*
 Regular Share Savings0.05%0.05%
 Money Market Account **0.25%0.25%
 Individual Retirement Account.70.70%
* Annual Percentage Yield
** Money Market rate is tiered and based on amount. Sample rate based on balance of $50,000 or more.

Calculators

The calculators are for limited informational purposes only.

Financial decisions should not be made based solely on the results from these calculators.
Always consult with your accountant or other professional advisors when making
such decisions.

THIRD PARTY SITE DISCLAIMER - By accessing the noted link you will be leaving the Rochester & Monroe County EFCU website and entering a website hosted by another party. Rochester & Monroe County EFCU has not approved this as a reliable partner site. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the Rochester & Monroe County EFCU website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Rochester & Monroe County EFCU. CLICK OK TO CONTINUE OR CANCEL TO ABORT

Continue Cancel