Personal Accounts

Better borrowing, steadfast savings

Open a low-fee, no-minimum checking and savings account in Rochester at Genesee Co-op Federal Credit Union. However you dream, wherever you’re from, whatever you believe in, we can’t wait to count you in.

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Savings Accounts

Genesee Co-op's personal savings accounts provide a secure and simple way for you to save for emergencies, a vacation, or even a new car. You'll earn interest while ensuring your savings are staying local and supporting our community.

As a member-owned financial cooperative, we require a savings account to establish your Genesee Co-op membership. And, you can open as many secondary savings accounts as you wish without the $5 minimum opening balance.

$5 minimum opening balance
$10 one-time membership fee
$0 monthly account fee
Dividends paid quarterly
Comes with our robust digital banking tools!

Checking Accounts

Our checking accounts are simple and low-fee. They have no minimum balance and robust digital banking tools so you can bank when, where, and how you want.

$0 minimum to open
$0 monthly minimum balance requirement
$1 monthly fee
Debit card with surcharge-free access to over 30,000 ATMs nationwide
Unlimited check writing
Comes with our robust digital banking tools!

Flexible Certificates

Grow your savings safely and securely with a Genesee Co-op Certificate (also known as a Certificate of Deposit or Share Certificate). While your savings earn interest over time, we'll put your funds to work supporting the dreams of our community members and economic and environmental justice.

Choose from 1, 2, or 3 year terms
$500 minimum opening deposit
Dividends paid quarterly
Rates vary by term
Fees may reduce earnings, and early withdrawal penalties may apply.

Things You'll Need

To open your account, please have the following items ready:

Valid, government-issued photo ID, such as a driver's license, state ID, passport, or permanent residence card
Valid tax identification number
Utility bill or other piece of mail verifying address, if address differs from your ID
Opening deposit, which varies by account type

Personal Account FAQs

Why do I need a Primary Savings account?

Genesee Co-op is a member owned organization. Your Primary Savings Account establishes your membership and voting rights and allows you to access all our financial products and services-also, it's required by law.

Is my money safe with Genesee Co-op?

Yes, your accounts are federally insured up to at least $250,000 by the NCUA.

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What is the NCUA?

NCUA stands for National Credit Union Administration. It is like the FDIC but for credit unions. The NCUA insures deposits at federally insured credit unions like Genesee Co-op. Learn more about NCUA insurance.

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