At a glance
From its website, read 2 Nov 2026Genesee Co-Op Federal Credit Union is a credit union based in Rochester, New York. Its website describes auto loans, credit-builder loans, energy-efficiency loans and 4 other loan types. The business loan rate it states is 13%. The consumer loan APR it states is 13%. It says it considers borrowers with low or no credit history. You can start an application online. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (585) 461-2230 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.genesee.coop |
| Office (official list) | 395 Gregory St, Rochester, NY 14620 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Personal / consumer loans | Rate: 13% APR | There is a fixed rate of 13% APR on our Overdraft LOC. | source |
| Small-business loans | Rate: 13% APR | All members pay the same fixed rate of 13% APR on Lines of Credit. | source |
| Auto / vehicle loans | Term: see their wording | We can also finance classic and luxury cars with terms up to 84 months. | source |
| Personal / consumer loans | Term: 12 mo–5 yr | The maximum term for an unsecured loan is 60 months and the minimum term is 12 months. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
We specialize in helping first-time homebuyers and people who might not qualify at other financial institutions.
source - No or thin credit history considered
We also offer share-secured lines-of-credit when a member has limited or no credit history and is brand new to us.
source - First-time homebuyer program
One borrower must be a first-time homebuyer, defined as someone who has not owned a home in the past three years.
source - Income limit applies
Homebuyer must live in a household under 80% of Area Median Income, including all household income.
source - Homebuyer education required
Homebuyer must complete Homeownership Counseling Certificate from a HUD-Certified Housing Counseling Agency.
source - Membership required
As a member-owned financial cooperative, we require a savings account to establish your Genesee Co-op membership.
source - Collateral flexible or not always required
The loan can be unsecured, partially secured, or fully lien-secured.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 19 Sep 2014 |
| RSSD ID | 859299 |
| Address | 395 Gregory St, Rochester, NY 14620 Directions (Google Maps) |
| Website | www.genesee.coop |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No service area geography is stated beyond Rochester references, so the field is left empty. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | we offer reasonably priced auto loans no matter your credit score, whether the car is new or used | source |
| Credit-builder loans | — | This type of loan is a way to help establish or repair credit. | source |
| Energy / solar / efficiency loans | — | We offer special programs to help you invest in making your home more energy efficient and sustainable. | source |
| Home repair / improvement loans | — | From first-time homebuyer programs to home improvement and green home loans | source |
| Home mortgages | — | Start here to begin your home purchase or refinance with Genesee Co-op. | source |
| Personal / consumer loans | — | Unlike many larger institutions, we still offer "personal" loans. | source |
| Small-business loans | up to $25,000 | Unsecured small business loans are limited to $25,000 per qualified borrower. | source |
Loan sizes
Service area
Not stated on the pages we read.
Borrower focus
- First-time homebuyers
We specialize in helping first-time homebuyers and people who might not qualify at other financial institutions.
source
Languages
- Spanish
Todas las personas en Rochester merecen un camino financiero justo hacia una vida y un futuro satisfactorios
source
Online application
Yes — the site links to an application. These links are to our application on the CUMA website.
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and credit-builder loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.9 million in 6 awards from the U.S. Treasury's CDFI Fund, 1998–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2018 | CDFI Program, Financial Assistance | $600,000 |
| 2010 | CDFI Program, Financial Assistance | $528,770 |
| 2001 | CDFI Program, Technical Assistance | $200,000 |
| 1998 | CDFI Program, Technical Assistance | $50,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $2 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as GENESEE CO-OP (charter 23848). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $47.5 million (as of 30 Jun 2026) |
|---|---|
| Members | 4,554 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
New York (1 office)
- Monroe County (1): 395 Gregory St, Rochester 14620 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Genesee Co-Op Federal Credit Union (NCUA charter 23848, filed as “GENESEE CO-OP”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $28.1 million, 1,356 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 11.4% from $25.2 million on 30 Jun 2025 |
| Members | 4,554 (as of 30 Jun 2026); 4,579 (as of 30 Jun 2025) |
| Loans per member | $6,162 (total loans divided by members, 30 Jun 2026) |
| Total assets | $47.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $1.2 million | 4.1% |
| Used vehicle loans | $3.1 million | 11.2% |
| First-lien home mortgages (1-4 family) | $16.8 million | 60.0% |
| Other real estate loans (junior liens, other) | $4.7 million | 16.6% |
| Commercial (business) loans | $125,718 | 0.4% |
| Other unsecured loans | $803,467 | 2.9% |
| Leases and other secured loans | $1.3 million | 4.8% |
None reported on the 30 Jun 2026 report: credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $47.5 million | Larger than 56% of the 18 other certified credit unions in New York (median $41.6 million). |
| Loans as a share of assets | 59% | Median of the same 18 credit unions: 64%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $25.2 million → $28.1 million (+11%) | Median change of 17 other certified credit unions in New York: +1%. Rank by loans held among these 18: 10 → 9. |
| Business loan rate its website stated (2 Nov 2026) | 13.00% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 6 pts above prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in New York | 18 | larger than 56% |
| Loans held then vs now | certified credit unions in New York reporting both dates | 17 | rank 10 → 9 of 18 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Prime rate: FRED DPRIME.
Other certified CDFIs in Rochester and New York
- Greater Rochester Housing PartnershipLoan fund · Rochester, NYAffordable housing development loansVerified
- Neighborhood Housing Services of Rochester IncLoan fund · Rochester, NYHome repair / improvement loans, Home mortgagesVerified
- PathStone Enterprise Center, Inc.Loan fund · Rochester, NYOfficial list only
- Venture Jobs FoundationLoan fund · Rochester, NYOfficial list only
Work at Genesee Co-Op Federal Credit Union? Link to this page
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