Credit Unions

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1. ESL Federal Credit Union
100 S. Kings Highway, Suite 1200
Rochester, N.Y. 14617
www.esl.org
(585)336-1000

Total Assets as of 12/31/02(1): 2,320.0
Total Loans as of 12/31/02(1): 1,520.0
Total in Share Accts. as of 12/31/02(1,2): 1,550.0
Balance to Open Basic Savings Account ($): 1.00
Other Services Provided: Checking, savings and money market accounts; IRAs;CDs;
consumer loans; mortgages; Visa credit cards; home equity loans; ATM and debit cards; Internet
banking including bill-pay and telephone banking; investment and insurance products offered
through ESL Investment Services LLC
Membership Requirements: Employees and retirees of Eastman Kodak Co. and related
companies; Archi-Technology LLC:BBL Inc.; Chase-Pitkin Home and Garden; city of Rochester;
Genencor International Inc.; Geva Theatre; The Harley School; Harter, Secrest & Emery LLP;
Hatch Leonard Naples Inc.; Heidelberg Digital LLC; Jamestown Container Co.; Lightwave
Enterprises Inc.; Nationwide Precision Products Corp.; The Nazareth Schools; Nixon Peabody LLP;
Rochester Technology Park; School of the Holy Childhood; Telecomp Inc.;The Rochester Group
Inc.;Total Identity Systems Corp.;URS Corp.;Wegmans Food Markets Inc.; WHEC-TV 10; WROC-TV 8;
WXXI-TV 21
Number of Locations in Six-County Area(3): 21
Electronic Banking Affiliates(s): NYCE, PLUS, Visa, Wegmans Electronic Network
Top Local Executive: David Fiedler, president and CEO
Board President: Neil Farrar
Year Founded: 1920

2. Xerox Federal Credit Union
189 W. Main St.
Webster, N.Y. 14580
www.xfcu.org
(585)787-3404

Total Assets as of 12/31/02(1): 636.4
Total Loans as of 12/31/02(1): 444.4
Total in Share Accts. as of 12/31/02(1,2): 475.2
Balance to Open Basic Savings Account ($): 5.00
Other Services Provided: Savings, checking, auto loans, home equity loans, mortgages, home
banking with bill payer, indirect lending
Membership Requirements: Employees, retirees and their immeidate families of Xerox Corp.;
various select employee groups; anyone who lives works, worships or attends school in the
Greater Rochester area.
Number of Locations in Six-County Area(3): 6
Electronic Banking Affiliates(s): NYCE, PLUS, Visa, Co-Op Network, STAR, Interlink
Top Local Executive: Timothy Myers, vice president of sales and marketing
Board President: Murray Spector
Year Founded: 1964

3. The Summit Federal Credit Union
100 Marina Drive
Rochester, N.Y. 14626
www.summitfcu.org
(585)453-7000

Total Assets as of 12/31/02(1): 258.8
Total Loans as of 12/31/02(1): 169.6
Total in Share Accts. as of 12/31/02(1,2): 231.6
Balance to Open Basic Savings Account ($): None
Other Services Provided: Checking accounts, share drafts, Visa credit and debit cards, loans,
mortgages, CDs, IRAs, indirect lending,bill payment, online account access, Quik Tran-automated
system
Membership Requirements: Employees and retirees of participating select employee groups,
and their families and household members who live, work, worship, volunteer or attend
school in the city of Rochester
Number of Locations in Six-County Area(3):5
Electronic Banking Affiliates(s): NYCE, PLUS
Top Local Executive: Michael Vadala, president and CEO
Board President: Jeffrey Peters
Year Founded: 1941

4. WCTA Federal Credit Union
10 Benton Place
Sodus, N.Y. 14551
www.wctafcu.com
(315)483-6936

Total Assets as of 12/31/02(1): 212.9
Total Loans as of 12/31/02(1): 153.4
Total in Share Accts. as of 12/31/02(1,2): 187.5
Balance to Open Basic Savings Account ($): 25.00
Other Services Provided: Share drafts, ATM’s, Visa credit and debit cards,
bill payer, Web site with online banking, direct deposit, loans, mortgages, lines of credit,
club accounts, Junior Savings Program, telephone banking, financial planning and credit
planning, courtesy phone
Membership Requirements: Employees/members of selected companies and organizations in
Wayne and Ontario counties and their families
Number of Locations in Six-County Area(3): 5
Electronic Banking Affiliates(s): NYCE, PLUS, Honor, Pulse
Top Local Executive: Gail Bedell, president and CEO
Board President: Richard Moore
Year Founded: 1970

5. Pittsford Federal Credit Union
1321 Pittsford-Mendon Rd.
Pittsford, N.Y. 14534
www.pittsfordfcu.org
(585)624-7474

Total Assets as of 12/31/02(1): 190.4
Total Loans as of 12/31/02(1): 158.1
Total in Share Accts. as of 12/31/02(1,2): 170.4
Balance to Open Basic Savings Account ($): 5.00
Other Services Provided: Auto loans, residential mortgages, Visa credit and debit cards,
CDs, IRAs, Internet and telephone banking, online bill payment, home equity loans
Membership Requirements: Anyone who lives, worships, volunteers or attends school in the towns
of Pittsford, Mendon, Honeoye Falls, Lima or West Bloomfield, or the school districts of
Pittsford Central or Honeoye Falls-Lima Central
Number of Locations in Six-County Area(3): 2
Electronic Banking Affiliates(s): NYCE, Visa, Jeanie
Top Local Executive: William Martin, general manager
Board President: Steven Robinson
Year Founded: 1968

6. Family First of New York Federal Credit
Union(4)
2520 Browncroft Blvd.
Rochester, N.Y. 14625
www.familyfirstny.com
(585) 586-8225

Total Assets as of 12/31/02(1): 95.0
Total Loans as of 12/31/02(1): 73.0
Total in Share Accts. as of 12/31/02(1,2): 85.2
Balance to Open Basic Savings Account ($): 5.00
Other Services Provided: Credit cards, IRAs, Roth IRA, direct deposit, checking, payroll
deduction, mortgages, home equity, auto, boat and RV loans; personal loans,
CDs, holiday savings accounts, money markets, money credit lines, consumer loans, home
banking, bill payments
Membership Requirements: Anyone who lives, works, worships or attends school in the
community defined as the east of the Genesee River, Eastern Monroe County to and including
Western Wayne County
Number of Locations in Six-County Area(3): 2
Electronic Banking Affiliates(s): NA
Top Local Executive: Ron Oleston
Board President: John Piper
Year Founded: 1969

7. Rochester Ukrainian Federal Credit Union
824 E. Ridge Road
Rochester, N.Y. 14621
www.rufcu.org
(585)544-9518

Total Assets as of 12/31/02(1): 77.5
Total Loans as of 12/31/02(1): 40.3
Total in Share Accts. as of 12/31/02(1,2): 63.7
Balance to Open Basic Savings Account ($): 50.00
Other Services Provided: Share drafts, credit cards, ATM and checking cards, business accounts
and loans, youth and convenience accounts, money orders, multi-lingual service
Membership Requirements: Members of local Ukrainian churches and fraternal organizations,
Lithuanian church and International Sister Cities Council of Irondequoit
Number of Locations in Six-County Area(3): 1
Electronic Banking Affiliates(s): Empire Corporate Federal Credit Union
Top Local Executive: Tamara Denysenko
Board President: Myron Babiuk
Year Founded: 1953

8. Advantage Federal Credit Union
1 S. Washington St. Suite 300
Rochester, N.Y. 14608
www.advantagefcu.org
(585)454-5900

Total Assets as of 12/31/02(1): 69.8
Total Loans as of 12/31/02(1): 44.1
Total in Share Accts. as of 12/31/02(1,2): 60.9
Balance to Open Basic Savings Account ($): 5.00
Other Services Provided: Checking and savings accounts, loans, lines of credit, mortgages
direct deposit, home banking, bill payment services, telephone access to accounts, ATM access,
brokerage and insurance, drive-up teller service
Membership Requirements: Employees and retirees of several member organizations, including
the Rochester City School District, ViaHealth, and the University
of Rochester, and their immediate families and household members families and household members
who live, work, worship or attend school in the city of Rochester
Number of Locations in Six-County Area(3): 4
Electronic Banking Affiliates(s): NYCE, Cirrus
Top Local Executive: Jeff Bocach, president and CEO
Board President: Albert Hinkle
Year Founded: 1931

9. Finger Lakes Federal Credit Union
27 Seneca St.
Geneva, N.Y. 14456
www.flfcu.org
(315)781-1334

Total Assets as of 12/31/02(1): 47.3
Total Loans as of 12/31/02(1): 34.6
Total in Share Accts. as of 12/31/02(1,2): 43.6
Balance to Open Basic Savings Account ($): 6.00(5)
Other Services Provided: Savings, checking, special savings and money market accounts, low-cost
loan programs, various new home and home improvement loans, share CDs, IRAs, payroll
deduction/direct deposit, Visa check card, ATM network, travelers checks, money orders,
Credit Union Anytime Audio Response System
Membership Requirements: Members of certain approved organizations and their relatives
Number of Locations in Six-County Area(3): 3
Electronic Banking Affiliates(s): None
Top Local Executive: Kathleen Crelot, president and CEO
Board President: Reed Balewski
Year Founded: 1967

10. Tonawanda Valley Credit Union
10 Jefferson Square
Batavia, N.Y. 14020
(585)343-5627

Total Assets as of 12/31/02(1):42.7
Total Loans as of 12/31/02(1): 26.8
Total in Share Accts. as of 12/31/02(1,2): 37.8
Balance to Open Basic Savings Account ($): 5.00
Other Services Provided: Share drafts, club accounts, CDs, U.S. Savings Bonds sale and
redemption, postage stamps sold, money orders, travelers checks, discount tickets
to Six Flags Inc., credit and debit cards, overdraft line of credit, personal, auto
and mortgage loans, 24-hour phone teller (WANDA)
Membership Requirements: Residents of, or individuals who work within geographic
boundaries of Genesee County
Number of Locations in Six-County Area(3): 1
Electronic Banking Affiliates(s): NA
Top Local Executive: Susan Blanchard
Board President: Travis Minor
Year Founded: 1975

11. St. Pius X Church Federal Credit Union
2998 Chili Ave.
Rochester, N.Y. 14624
www.spxfcu.org
(585) 247-0724

Total Assets as of 12/31/02(1):29.5
Total Loans as of 12/31/02(1): 22.6
Total in Share Accts. as of 12/31/02(1,2): 26.4
Balance to Open Basic Savings Account ($): 25.00
Other Services Provided: Online banking, Visa credit and debit cards, mortgages, construction
loans, free savings, life insurance, auto loans
Membership Requirements: Member of St. Pius X, Parkminster Presbyterian, St. Christophers, St.
Helens, St. Theodores, St. Marys downtown,Sisters of St. Joseph, Sisters of Mercy, students and
employees of Hope Hall, priests and pastoral administrators of the Diocese Rochester and their
family members
Number of Locations in Six-County Area(3): NA
Electronic Banking Affiliates(s): COCC
Top Local Executive: Anne Hynes
Board President: John Stitch
Year Founded: 1967

12. GVTA Federal Credit Union
P.O. Box 150
Retsof, N.Y. 14539
www.gvtafcu.com
(585)243-4130

Total Assets as of 12/31/021): 29.1
Total Loans as of 12/31/02(1): 11.9
Total in Share Accts. as of 12/31/02(1,2): NA
Balance to Open Basic Savings Account ($): 5.00
Other Services Provided: Share drafts, ATM cards, CDs, Internet access to accounts
travelers checks, money orders, club accounts, mortgages, phone account
access, IRAs, money market accounts, full line of installment loans, home equity lines
Membership Requirements: Employees of Livingston County and Livingston County
schools, residents of the village of Dansville, various local organizations
Number of Locations in Six-County Area(3): 2
Electronic Banking Affiliates(s): NA
Top Local Executive: Duane Vaclavik
Board President: Dean Winston
Year Founded: 1974

13. Lexington Avenue Federal Credit Union
1275 Lexington Ave.
Rochester, N.Y. 14606
www.lexfcu.org
(585)254-4543

Total Assets as of 12/31/02(1): 27.0
Total Loans as of 12/31/02(1): 24.0
Total in Share Accts. as of 12/31/02(1,2): 24.0
Balance to Open Basic Savings Account ($): 5.00
Other Services Provided: Checking, Visa debit and credit cards, money markets,
savings clubs, CDs
Membership Requirements: Workers of member groups and their immediate families and
people who live, work, worship and/or support/volunteer
Number of Locations in Six-County Area(3): 1
Electronic Banking Affiliates(s): NYCE, Cirrus, Jeanie, Visa
Top Local Executive: Charles Casaceli
Board President: Michael Hamlin
Year Founded: 1959

14. Rochester and Monroe County Employees Federal Credit Union
460 N. Goodman St.
Rochester, N.Y. 14609
www.rocmon.org
(585)546-4279

Total Assets as of 12/31/02(1): 24.5
Total Loans as of 12/31/02(1): 18.5
Total in Share Accts. as of 12/31/02(1,2): 21.3
Balance to Open Basic Savings Account ($): 5.00
Other Services Provided: First mortgages, home equity, Visa credit and debit
cards, auto loans, IRAs, checking
Membership Requirements: Personnel of the city of Rochester, county of Monroe, St. John’s Home,
Unity Health and select employment groups, and their families
Number of Locations in Six-County Area(3): 4
Electronic Banking Affiliates(s): NYCE, Cirrus, MPS
Top Local Executive: William Allen
Board President: Raymond Cordello
Year Founded: 1935

15. First Rochester Community Credit Union
1225 Jefferson Road
Rochester, N.Y. 14623
www.firstrochestercu.com
(585) 424-7220

Total Assets as of 12/31/02(1): 24.4
Total Loans as of 12/31/02(1): 22.4
Total in Share Accts. as of 12/31/02(1,2): 21.9
Balance to Open Basic Savings Account ($): 25.00
Other Services Provided: Checking, Internet banking, home equity loans, credit
cards, debit cards, CDs, IRAs, bill payment
Membership Requirements: People who live, work or attend school in Monroe County
Number of Locations in Six-County Area(3): 2
Electronic Banking Affiliates(s): Cartel, Cirrus, Visa, NYACH
Top Local Executive: Gary Schwingel
Board President: John O’Connor
Year Founded: 1931

16. Fairport Federal Credit Union
70 Main St.
Fairport, N.Y. 14450
www.fairportcu.com
(585)223-9151

Total Assets as of 12/31/02(1): 17.7
Total Loans as of 12/31/02(1): 9.1
Total in Share Accts. as of 12/31/02(1,2): 16.1
Balance to Open Basic Savings Account ($): 25.00
Other Services Provided: Share drafts; Visa check cards; ATM machines and card;
auto, home equity and personal loans; Internet banking
Membership Requirements: Residents of, or individuals who work in, the town of Perinton,
and their families
Number of Locations in Six-County Area(3):1
Electronic Banking Affiliates(s): Visa, NYCE, PLUS
Top Local Executive: Peter Gagliano
Board President: Francis Mahan
Year Founded: 1972

17. Spencerport Federal Credit Union
2775 Spencerport Rd.
Spencerport, N.Y. 14559
www.spnfcu.org
(585)352-6890

Total Assets as of 12/31/02(1): 17.6
Total Loans as of 12/31/02(1): 10.1
Total in Share Accts. as of 12/31/02(1,2): 15.7
Balance to Open Basic Savings Account ($): 20.00
Other Services Provided: Share drafts, Visa credit and debit cards, home equity
loans, first mortgages
Membership Requirements: Employees of Spencerport Central School District, students and
staff of Roberts Wesleyan College,employees of Caldwell Manufacturing Co. and several
local organizations and churches
Number of Locations in Six-County Area(3): 1
Electronic Banking Affiliates(s): Cartel, Cirrus,NYCE
Top Local Executive: Gary Bower, manager
Board President: Glenn Adams
Year Founded: 1962

18. Canadaigua School District Federal Credit Union
3210 Eastern Blvd.
Canadaigua, N.Y. 14424
www.csdfu.com
(585)394-2436

Total Assets as of 12/31/02(1): 16.4
Total Loans as of 12/31/02(1): 9.6
Total in Share Accts. as of 12/31/02(1,2): 14.2
Balance to Open Basic Savings Account ($): 10.00
Other Services Provided: Share drafts; ATM cards; onsite ATM; all types of loans; notary
services; club accounts; government student loans; CDs; IRAs;Visa cards; money orders;
travelers checks; financial counseling; discount tickets
Membership Requirements: Employees and students of Canandaigua City School District; Finger
Lakes Community College; Marcus Whitman Central School District; the towns of Bristol,
South Bristol and Canandaigua; Ontario County; and their families
Number of Locations in Six-County Area(3):1
Electronic Banking Affiliates(s): Empire Corporate Federal Credit Union, Fifth Third Bank
Top Local Executive: Janice Adams, manager
Board President: Alton Blake
Year Founded: 1964

19. Gates-Chili Federal Credit Union
2300 Buffalo Rd. Buliding Bldg. 500B
Rochester, N.Y. 14624
www.gateschilifcu.com
(585)247-1090

Total Assets as of 12/31/02(1): 16.1
Total Loans as of 12/31/02(1): 8.7
Total in Share Accts. as of 12/31/02(1,2): 14.78
Balance to Open Basic Savings Account ($): 25.00
Other Services Provided: Share drafts, CDs, money market and club accounts,
credit cards, IRAs, variety of loans, trust accounts, children’s accounts, notary
service, traveler’s checks, money orders, discount tickets
Membership Requirements: Residents of, or individuals who work in, Gates and
Chili, and their families
Number of Locations in Six-County Area(3): 1
Electronic Banking Affiliates(s): Empire Corporate Federal Credit Union
Top Local Executive: Barbara Bamford
Board President: Lynn Eberhardt
Year Founded: 1964

20. Webster Federal Credit
668 Ridge Road
Webster, N.Y. 14580
www.websterfcu.org
(585)671-8900

Total Assets as of 12/31/02(1): 11.1
Total Loans as of 12/31/02(1): 6.7
Total in Share Accts. as of 12/31/02(1,2): 9.3
Balance to Open Basic Savings Account ($): 25.00
Other Services Provided: Share drafts, Visa credit and check cards, CD’s; IRAs; certificates,
car, boat and RV loans; debt consolidation loans; student loans; mortgages; money
orders; travelers checks;notary services; discount movie tickets;
Membership Requirements: Employees and retirees of Webster Central Schools, town of Webster,
Trident Tools Inc., Hegedorns Inc., West Webster Fire Department, Webster Fire
Department, Eastern Manufacturing Inc. and their families
Number of Locations in Six-County Area(3): 1
Electronic Banking Affiliates(s): NA
Top Local Executive: Walter Zehder, treasurer/manager
Board President: Frank Newton
Year Founded: 1964

21. Ever$ Green Federal Credit Union
2974 E. Henrietta Road
Henrietta, N.Y. 14467
www.evergreenfcu.com
(585)334-2710

Total Assets as of 12/31/02(1): 10.0
Total Loans as of 12/31/02(1): 8.6
Total in Share Accts. as of 12/31/02(1,2): 8.7
Balance to Open Basic Savings Account ($): 5.00
Other Services Provided: Share drafts, debit and ATM cards, personal loans, home
equity loans, mortgages, auto loans, CDs, overdraft protection, online banking, 24-hour ATM,
night deposit box
Membership Requirements: Employees of Rush-Henrietta Central School District,
Wheatland-Chili Central School District, Good Shepard School, Getinge USA Inc., Henrietta Fire
Company #1, Knight of Columbus Council #4812, and their families
Number of Locations in Six-County Area(3): 1
Electronic Banking Affiliates(s): NA
Top Local Executive: Gerard Koehler,CEO
Board President: David Simpson
Year Founded: 1968

22. Greece Central Federal Credit Union
1790 Latta Road
Rochester, N.Y. 14612
www.greecefcu.org
(585)865-2560

Total Assets as of 12/31/02(1): 7.2
Total Loans as of 12/31/02(1): 3.8
Total in Share Accts. as of 12/31/02(1,2): 6.2
Balance to Open Basic Savings Account ($): 25.00
Other Services Provided: Share drafts, ATM and debit cards, CDs, IRAs, check cashing,
student loans, home equity loans, new and used car loans, home improvements loans, personal/
consolidation loans
Membership Requirements: Employees of the Greece Central School District and their families
Number of Locations in Six-County Area(3): 1
Electronic Banking Affiliates(s): NYACH
Top Local Executive: Susan Raymond
Board President: Del Jandrew
Year Founded: 1958

23. 1st Priority Federal Credit Union
38 Lomb Memorial Drive
Rochester, N.Y. 14623
www.1stpriorityfcu.com
(585)475-6528

Total Assets as of 12/31/02(1): 7.1
Total Loans as of 12/31/02(1): 5.8
Total in Share Accts. as of 12/31/02(1,2): 6.0
Balance to Open Basic Savings Account ($): 5.00
Other Services Provided: First mortgages, home equity lines of credit,
home equity, vehicle loans, tax advantage loans, home improvement loans, personal loans,
credit and debit cards, interactive Web site, audio response automated bill payment,
extended vehicle warranty, share drafts, IRAs, share certificates
Membership Requirements: Residents of, or individuals who work in, Henrietta, and their families
Number of Locations in Six-County Area(3):1
Electronic Banking Affiliates(s): NA
Top Local Executive: Donald Kuebel, president and CEO
Board President: Wayne Webster
Year Founded: 1979

24. Irondequoit Federal Credit Union
200 Perrin Drive
Rochester, N.Y. 14622
(585) 342-5680

Total Assets as of 12/31/02(1): 6.6
Total Loans as of 12/31/02(1): 3.8
Total in Share Accts. as of 12/31/02(1,2): 6.0
Balance to Open Basic Savings Account ($): 10.00
Other Services Provided: Share drafts, Visa, IRA’s
Membership Requirements:Employees of the East Irondequoit Central School District and their
families
Number of Locations in Six-County Area(3): 1
Electronic Banking Affiliates(s): NA
Top Local Executive: NA
Board President: Jerald Graves
Year Founded: NA

25. Rochester Polish Federal Credit Union
1325 Hudson Ave.
Rochester, N.Y. 14621
(585)266-5876

Total Assets as of 12/31/02(1): 6.0
Total Loans as of 12/31/02(1): 1.8
Total in Share Accts. as of 12/31/02(1,2): 5.1
Balance to Open Basic Savings Account ($): 5.00
Other Services Provided: Share drafts, CDs
Membership Requirements: Members of St. Stanislaus Church, Polish Veterans of
World War II, Polish National Alliance Lodge 512, and their immediate families
Number of Locations in Six-County Area(3): 1
Electronic Banking Affiliates(s): Empire Corporate Federal Credit Union
Top Local Executive: Margaret Urban
Board President: Andrzej Gierczak
Year Founded: 1975

Notes: Information was provided by individual credit unions that responded to a mail and
telephone survey by July 21, unless otherwise indicated. The survey contacted federally
chartered credit unions in Monroe, Genesee, Livingston, Ontario, Orleans and Wayne counties
that are insured by the National Credit Union Share Insurance Fund.
(1)Dollar amounts in millions.
(2)Share accounts include savings accounts, money market accounts, certificates of deposit,
individual retirement accounts and other savings accounts (for example, Christmas clubs).
(3)Includes Monroe, Genesee, Livingston, Ontario, Orleans and Wayne counties.
(4)Formerly Penfield Federal Credit Union.
(5)Includes $1.00 new member processing fee.
NA – Not available

If you would like your company to be considered for next year’s list, or if
there are any corrections or additions, please write to: Research, Rochester
Business Journal, 55 St. Paul St., Rochester, N.Y. 14604; fax (585)
546-3398; or e-mail [email protected].

Researched by Lisa Canedo

08/08/03 (C) Rochester Business Journal