Early Payday
With payroll Direct Deposit, get your funds up to 2 days earlier than most other financial insititutions.*
There’s a better way to bank
Welcome to Kinecta, Rochester.
Who We Are.
Kinecta is the 35th-largest credit union in the nation serving more than 270,000 members with approximately $6.8 billion in assets. In 2021 we merged with Xceed Financial Credit Union, which grew out of Xerox Federal Credit Union and traces its history in the Rochester community back to 1931 when it was known as Rochester Postal Credit Union.
What We Do.
We offer all the financial products and services you’d find at a traditional bank, but with more personalized attention, higher dividends on savings and lower rates for credit cards and loans. You’ll experience banking that puts our members and the communities we serve first.
More Member Perks
Banking done different. It means people being helpful in more ways.
We’re here to help you achieve your goals. To do that, we dedicate ourselves to the art of being helpful. That could mean going over your immediate needs and long-term plans, and then finding options that protect you, while taking advantage of opportunities you might not be aware of. At every point, we’re a financial partner that, first and foremost, looks out for your overall well-being.
Committed to our neighbors
From sponsoring the Pirate Toy Fund, the Rochester Americans and Redwings, to volunteering for the Seneca Park Zoo Society, we’re committed to investing our dollars and our time where it matters most in Rochester.
Locations serving the Rochester area:
Branch & ATM Network**
With a membership here at Kinecta, you also gain access to over 85,000 surcharge-free ATMs and over 5,800 shared credit union branches. Find a branch or ATM near you today.
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*Early access to direct deposit payroll funds is dependent on timing of the submission of the payment file from the payer. When received, Kinecta makes these funds available on the day the payment file is received, which may be up to 2 days earlier than the effective payroll payment date.
**ATM fees. No-surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owner/operators may assess a fee.
Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. All loans are subject to approval.
Vehicle type. Includes cars, SUVs, light/non-commercial trucks, non-commercial vans, motorcycles, recreational vehicles, travel trailers, and personal watercraft. Vehicle qualification is subject to the Terms and Conditions of Kinecta.
Vehicle value. The value of a new vehicle is determined by MSRP and the value of a used vehicle is determined by Retail Kelley Blue Book.