Loans
Genesee Co-op is a great place to borrow when you are looking for a competitive rate, excellent customer service and financial guidance. There are all kinds of ways we go the extra mile to help our members. We are "The Little Credit Union that CAN!" We can help you establish or re-establish credit. We can help you with your auto purchase. We can help you lower your debts and become debt-free if that is your goal. We can help you learn about your credit score and how to improve it or correct your credit report if there are errors. We can assist you in maintaining a perfect payment record through Automatic Payment options. We also offer credit disability and credit life insurance on our loans as a way to provide additional protection for our members and the credit union.
Genesee Co-op FCU is a founding member of New Yorkers for Responsible Lending (NYRL), a statewide coalition that promotes access to fair and affordable financial services and the preservation of assets for all New Yorkers and their communities.
All members' payment histories are provided to the four national credit reporting services. To see our current Loan Rates and Terms, and other lending details, click here.
Genesee Co-op FCU offers a variety of loan products for our CU members! We offer:
Genesee Co-op's loan rates and terms are competitive with, and often times better than, those of other financial institutions. We offer to match any competitor's auto loan rate when possible and we give an additional 0.50% APR discount for vehicles that get 30 MPG as a "green" incentive (no additional incentive beyond the match rate).
Our Members make the difference.
Member Since 1982
"I decided to become a founder and a member of Genesee Co-op Federal Credit Union because I wanted to help create, support and benefit from a cooperative alternative to mainstream financial institutions. It's important to me to know that my money supports a non-profit, community-based, socially-responsible saving and lending institution. Now more than ever, we need alternatives to the mega-banks that have made such a mess of our economy. I'm proud to have been a part of an institution that has helped thousands of people enter the world of credit, improve their financial standing and be treated with dignity. It's great to have witnessed the credit union’s evolution from a small group of food co-op members into an institution that serves a member-ownership that's diverse in age, race, ethnicity and socio-economic circumstance."