New Membership
Applying is fast and easy!
You will need the following information to complete the application:
- Personal Identification (Driver's License, State Issued ID, Passport, Military ID)
- To be uploaded at the top of the personal information page
- Your complete physical and mailing address
- Social Security Number
- Email Address
- Funding Account Information (Checking, Savings, Credit or Debit Card *We only accept Visa or Mastercard) -information regarding accounts you would like to fund your new Advantage account from!
Please note the following:
- You must be 18 years or older to open an account online, if not, you must go to a branch with a parent or guardian.
- At this time, we do not open Business Accounts. For any questions, please contact us at 585-454-5900.
- If you have been a member of Advantage FCU in the past, please select how you qualified for membership at that time.
- If you are a Non-US Citizen and do not have a Social Security Number, you will be required to obtain one to open an account.
Per NCUA regulation, to show that you are part owner in the credit union we are required to hold $5.00 in your (Share) Savings Account. This is standard procedure for credit union membership. At least $5.00 must be deposited in order to open your account. After the $5.00, there is no minimum balance to maintain.
APY: 0.03% Min Deposit: $5.00
If you want to earn higher dividends than our Basic Savings, a Money Market Account may be your best choice. You are earning higher dividends, your funds are still accessible; you can have up to six (6) transactions per month.
Min Deposit: $2,500.00
While other financial institutions are raising fees and cutting services, Advantage FCU offers personalized services with the ability to customize your banking to suit your lifestyle with our Fee Free Checking. No minimum balance fee, no Advantage FCU charge for ANY ATM, and no debit card fees.
GuardID Checking brings you valuable financial and security features including protection from identity theft. We make it easy for you to enjoy these benefits for a low monthly service fee of $7.00.
A checking account that combines the high dividends of a Money Market account with the everyday flexibility of checking. Please visit our website for more information.
With the Rewards Checking, get rewarded by using your debit card to make purchases. Plus, get your direct deposit up to 2 days early. *In order to qualify for cash back, you must meet all qualifications. See our website for details.
With the Student Checking, get rewarded by using your debit card to make purchases. Plus, get your direct deposit up to 2 days early. *In order to qualify for the cash back, you must meet all qualifications. See our website for details.
Valid for new money only. Funds on deposit within the last 30 days will be considered new money. Minimum opening deposit of $500 required. Maximum deposit of $250,000.00 allowed. Early withdrawal penalties may apply.
APY: 3.90% Min Deposit: $500.00
Valid for new money only. Funds on deposit within the last 30 days will be considered new money. Minimum opening deposit of $500 required. Maximum deposit of $250,000.00 allowed. Early withdrawal penalties may apply.
APY: 3.60% Min Deposit: $500.00
Minimum opening deposit of $500 required. Early withdrawal penalties may apply.
APY: 0.25% Min Deposit: $500.00
Minimum opening deposit of $500 required. Early withdrawal penalties may apply.
APY: 0.25% Min Deposit: $500.00
Minimum opening deposit of $500 required. Early withdrawal penalties may apply.
APY: 0.25% Min Deposit: $500.00
Minimum opening deposit of $500 required. Early withdrawal penalties may apply.
APY: 0.25% Min Deposit: $500.00
Minimum opening deposit of $500 required. Early withdrawal penalties may apply.
APY: 0.25% Min Deposit: $500.00
It’s easy to plan ahead with Holiday Club! Be prepared for year-end spending with a convenient Holiday Club savings account that earns dividends. Have a specific amount deducted from your paycheck so when the holiday season arrives, all the money you’ve accumulated in your Holiday Club savings will be transferred to your checking or savings account, which ever you choose!
APY: 0.03%
Spread-the-Check provides you with the ability to save automatically through payroll deduction with each pay period. Many of our members use this service to manage their cash flow during the summer months because they are paid on a 10-month basis. For these members, Spread-the-Check “spreads” their 26 pay periods by taking the funds deposited to their account through payroll deduction during their pay periods and dividing them equally over the summer months. A great way to plan and budget money!
APY: 0.03%
Be prepared for YOUR vacation with a convenient Vacation Club savings account that earns dividends. Have a specific amount deducted from your paycheck so when April arrives, all the money you’ve accumulated in your Vacation Club savings will be transferred to your checking or savings account, which ever you choose!
APY: 0.03%
Open a second Savings Account on your membership.
APY: 0.03%
If you would like a Debit Card with your new Advantage FCU account, select a card from the drop down.
**Please note that you will only have ATM access if you choose to open just a Savings account.
Application Cancelled
We have cancelled your application.
If this was a mistake and you would like to fix errors you can return to the application now.
Funding
This account does not have sufficient balance to cover the total required deposit.
Please select another account.
'Doing Business As' Information
Tell Us About Yourself
Please upload the Front and Back of one of the following legal forms of Identification:
Driver's License (BOTH front and back), State Issued Non-Driver's License (BOTH front and back), Passport, Military ID, or NY State Concealed Gun License
Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
You're logged in as Recommendation for best recognition:
* Use a dark background
* Make sure all four corners are visible
* Avoid glare
* Make sure image is in focus
Joint Applicant Information
Please upload the Front and Back of one of the following legal forms of Identification:
Driver's License (BOTH front and back), State Issued Non-Driver's License (BOTH front and back), Passport, Military ID, or NY State Concealed Gun License
Beneficiaries Information
Beneficiaries percent share information page
Review and Submit
By clicking on "I agree", you authorize us to verify the information you submitted and to obtain credit reports concerning you. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.
Authentication Questions
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