Online Banking

Contact & Locate Us

Lost your VISA Card?

Report lost or stolen card immediately to 1-800-325-3678 to have the card blocked.

Lose an ATM / Debit Card?

If you lose your card during non-business hours, please call 1-800-528-2273 to have the card blocked.

Main Office Location
460 N. Goodman St.
Rochester, NY 14609
Phone: (585) 546-4279
Fax: (585) 546-3745

Office Hours
Monday - Friday
9:30am - 3:30pm

St. John's Home Office Location
150 Highland Avenue
Rochester, NY 14620
Phone: (585) 271-5413 ext. 1331

Office Hours
Friday 9:30am - 12:30pm

Sister Cities Office Location
40 N. Fitzhugh St.
Rochester, NY 14614
Phone: (585) 454-2810

Office Hours
Monday - Friday
9:30am - 3:30pm

Holiday Closures


Special Occasion Date Hours
CHRISTMAS Tuesday,December 25, 2018 Closed
NEW YEAR’S DAY Tuesday,January 1, 2019 Closed
Martin Luther King, Jr. Day Monday ,January 21 Closed
President's Day Monday,February 18 Closed
Memorial Day Monday,May 27 Closed
Independence Day Thursday,July 4 Closed
Labor Day Monday, September 2 Closed
Columbus Day Monday, October 14 Closed
Veteran's Day Monday,November 11 Closed
Thanksgiving Wednesday, November 27 Closed at 2:00
Thanksgiving Thursday, November 28 Closed
Thanksgiving Friday, November 29 Closed
Christmas Wednesday,December 25 Closed


Eligibility Information

The Rochester and Monroe County Employee's Federal Credit Union is open to all employees of the City of Rochester, the County of Monroe, and some towns and villages within the county. Over the years, many additional employment groups and family members of all groups have joined the growing ranks of Credit Union members.
Also, our Membership Charter has recently been expanded to cover all individuals who live, work or worship in the City of Rochester.

To become a member, please call the main office, or stop in to pick up an application.

We Offer the Following Special Services:

  • Answer Plus (24 hour information and transfer telephone network)
  • Bank by mail
  • Loan insurance

Payroll Deduction

Most Credit Union members can have a portion of their paychecks deposited directly into their accounts. Your car payment, mortgage and insurance can be paid automatically and on time, every time. In addition, you can divide your total deposit between your savings account, IRA, or checking account on a regular basis. Of course, you can always transfer dollars by phone to any account you wish.


Tips and Tidbits

Take our AUTO LOANS out for a spin.

Click here for current rates.   CAR LOAN RATES
All members get the same rate based on term and year of the vehicle.

We encourage members to take advantage of automatic payroll deduction to make their payment each month.
It's convenient and insures your payment is made each month on time.
A constant repayment history helps you build a strong credit score.


If you have a current auto loan, call us at 546-4279 and ask us about refinancing with us. We may be able to lower your interest rate and your monthly payment!


Your credit union does not FICO score member most auto loans! Financing a new or used vehicle with us all members enjoy the same low rate, which is based on the model year of the vehicle, not the members FICO score. Click on our Loan Center at the top of this page to view our current rates. Another reason to finance your next vehicle with us.

Already have an auto loan with another lender? You can re-finance your auto loan with us using the same low rates all members enjoy and take advantage of our payroll deduction plan.

What VISA card do you carry?

If it is not ours, you may be paying more than you should. We call our card the "No Gimmick VISA card!" Why? Because there are

No Hidden Fees or Penalties!

With an 11.9% Fixed Rate, it really is the Best Deal in Town!

Don't Wait...Compare our card with yours today.


We have notary public on staff at our Goodman Street office, should you need notary service for your important documents. This service is provided to our members at no cost.


GO GREEN - GO PAPERLESS, Do it easily by logging into your Virtual Branch Account and selecting Electronic Statements.


You can now change your PIN number on your ATM / DEBIT CARD by calling 1-877-265-9594. This new service is quick and easy to use.

CHANGE ADDRESS or other account information

You can change your address, e-mail and phone number on your account record by logging into your Virtual Branch account. See Address Change under PRODUCTS & SERVICES for details.

Keep your account secure ...

For your protection, NEVER provide your personal account information to anyone. Additionally, we recommend reviewing your account activity on a regular basis and report any suspicious activity to us immediately at 546-4279.

Do you need a CLUB ACCOUNT?

CLUB ACCOUNTS are savings accounts you set-up for a specific need. Two of the most popular are "VACATION " and "HOLIDAY" club accounts but the choices are limitless. Whether you're planning a Vacation, or want a nest egg for Holiday Shopping, now is the time to start. Call the main office at 546-4279 to open your CLUB ACCOUNT. Let us know how much you want deposited each pay period and start building your balance today. Don't wait, call today.


Vacation Club savings accounts are a great way to save money each pay period for your next vacation.  Balances are held and paid out each year in June. If you didn't have one last year, plan on one for next year. Start one today by calling our office at 546-4279.

WOW..... No Fee ATMS!

You can use our ATM card at many local credit union ATM machines, such as ESL, Family First and Reliant FCUs free of charge.

Of course there is never a charge to use any of our ATMS located in the

Sister Cities Office; 40 N. Fitzhugh St,

the Monroe Community Hospital cafeteria; 435 E. Henrietta Rd. and in the

Emergency Room lobby at Unity Hospital; 1555 Long Pond Rd.


Holiday Club savings accounts are a great way to save money each pay period for your holiday expenses. Balances are held and paid out each year in October. If you didn't have one for last year's shopping, don't make that mistake again this year. Start one today by calling our office at 546-4279.

Pay your bills on-line!

Save checks and stamps!  Enroll in our ELECTRONIC BILL PAY service. It's easy. For an overview and enrollment form click on the SERVICES tab, then select BILL PAY or call the office at 546-4279 for more details.

Bank By Phone.

With our ANSWERPLUS System all you have to do is dial 1-866-858-9120 to access your account. Once you have activated AnswerPlus on your account, using a touch tone phone, you can:

-Request account balance and activity

-Verify deposits or withdrawals

-Verify interest paid

-Transfer funds

It's Quick and easy! One call does it all! No matter where you are, 24/7. Call our office at 546-4279 to get started.

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

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