kinecta mobile app icon
Kinecta Mobile Banking Kinecta Federal Credit Union GET - On the Google Play Store
Skip to main content

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 $6.5 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.

Protect and Grow

With payroll Direct Deposit, get your funds up to 2 days earlier than most other financial insititutions.*

Start Your Engines

Drive off with rates as low as 2.74% APR on new autos, 2.84% APR on used autos. 

Pay Down Debt

Flexible personal lending for debt consolidation and emergency expenses - money when you need it.

Banking done different = Banking that's meaningful.

Our goal is simple: To help you achieve your goals. Whether that means learning to waterski or relaxing in a jacuzzi, we focus on making those dreams come true rather than just selling you a boat loan or a home equity line of credit. That’s the difference of having a financial partner looking out for your overall well-being and a bank looking to close a transaction.

Kinecta. We're why your bank should be a credit union.

Locations serving the Rochester area:

Rochester Greece | 585.512.1300
1560 W. Ridge Rd., Rochester, NY 14615

Rochester Henrietta | 585.613.0200
1425 Jefferson Rd., Rochester, NY 14623

Rochester Pittsford | 585.613.0100
3330 Monroe Ave., Rochester, NY 14618

Webster Main | 585.545.2000
189 W. Main St., Webster, NY 14580

Webster Xerox - Xerox Employees Access Only | 585.545.2100
800 Phillips Rd, Bldg 207, Webster, NY 14580

Branch & ATM Network1

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.

Committed to our neighbors

From sponsoring the Pirate Toy Fund, the Rochester Americans and Red Wings, to volunteering for the Seneca Park Zoo Society and annual American Heart Association’s 5k Run/Walk, we’re committed to investing our dollars and our time where it matters most in Rochester.

Kinecta members score big with discounted Rochester Americans tickets! Promo code: “Kinecta"

Rochester Americans


All third-party trademarks referenced herein are the property of their respective owners.

*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.

APR = Annual Percentage Rate. Rates shown include a 0.25% discount for enrolling in automatic payments made from a Kinecta account and will discontinue if autopay is terminated. The actual rate received may vary depending on creditworthiness. Rates are current as of 6/30/2021 and are subject to change.

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.