"The loan process was perfect-quick. The young lady who helped me was wonderful."
~ Evelyn of Webster, NY , Member since 1980

Calculator Rates Apply Vehicle Loans

  • Competitive, simple rates
  • Fast & easy pre-approvals
  • AutoPay convenience
  • Internet & Telephone account access
  • 100% financing available for New/Used Auto Loans
  • 80% financing available for Boat & RV Loans

Terms Card Assistance Rates Apply VISA Platinum Credit Cards

  • Low annual percentage rate
  • No annual fee
  • No late or over-limit fees
  • No fees for balance transfers or cash advances
  • Internet & Telephone account access
  • $0 fraud liability
  • AutoPay convenience
  • Visa Benefits Package
    • Auto rental insurance - Save up to $14/day on rental collision coverage
    • Year end statement summary
  • Cash access at ATM's throughout the world
  • Free convenience checks to access your account where credit cards are not accepted or to easily transfer balances
  • Disclosure Agreement

Rates Apply Overdraft Lines of Credit

With an Overdraft Line of Credit, if a transaction is presented for payment and there are not adequate funds in your checking account, we will transfer the amount necessary to cover the transaction up to your available credit limit.

Overdraft Protection Line of Credit Features

  • Overdraft Line of Credit is an unsecured revolving credit line of credit
  • No Monthly Service fees
  • Maximum credit line is $2,500
  • Advances are made for the exact amount of the overdraft
  • Minimum monthly payment is $15
  • Monthly payments are recalculated after each advance and are based on the greater of 3% of the outstanding loan balance, or $15
  • Fast & easy pre-approvals
  • AutoPay convenience
  • Internet & Telephone account access

Calculator Rates Apply Personal Loans

Useful in situations where you simply need funds for a unique purpose, our Personal Loan and Personal Line of Credit offer the flexibility you require. Contact us for more details.

  • Competitive, simple rates
  • Fast & easy pre-approvals
  • AutoPay convenience
  • Internet & Telephone account access

Calculator Rates Apply Share Secured Loans

Not for everyone, but useful in very specific situations, these loans are secured by your funds on deposit. Contact us for more details.

  • Competitive, simple rates
  • Fast & easy pre-approvals
  • AutoPay convenience
  • Internet & Telephone account access
"I love Finance Works."
~ Cletis of Rochester, NY, Member since 1992

Calculator Rates Apply Mortgage Products

  • Online closing costs estimate
  • Instant pre-approvals for qualified borrowers
  • Lifetime service guarantee
  • Serving Monroe, Orleans, Genesee, Wyoming, Livingston, Ontario or Wayne County
Select a product below for more details

Fixed Rate Mortgages

Adjustable Rate Mortgages

First Time Home Buyers *NEW

Construction Loans

Ready to apply?

Use our online mortgage application to Apply Now.

Contact the mortgage department or call us at 585-381-3885 to schedule an appointment.

You may review the checklist of items to bring to your mortgage appointment, or estimate your closing costs using our rate and closing cost calculator.

If you don't see a product that fits your specific situation please let us know. Occasionally, circumstances require unique approaches and we will attempt to meet your needs.


Rates Apply Home Equity Lines of Credit

A Home Equity Line of Credit makes the most sense if you want to put on an addition, add a pool, or landscape your yard. It is always a smarter choice if you anticipate needing a big chunk of cash more than once in the coming years. Many people open a line of credit just for the security of having access to cash if they need it.

  • No application fees, No points and No origination fees
  • No closing cost for lines up to $50,000 (24 month early close-out penalty applies)
  • Up to 85% of appraised value
  • Line amount from $5,000 - $200,000
  • 30 year term
  • Rates adjust quarterly to Prime rate minus 0.25%, lifetime cap 13.50%
  • Access your funds using a check or a simple transfer
  • Transfer payments or make advances anytime via Internet or Telephone Banking
  • Tax Deductibility - Consult a tax advisor regarding the deductibility of interest and charges. The interest paid may be tax deductible.
  • Available on primary residence located in Monroe, Orleans, Genesee, Livingston, Ontario and Wayne County

Calculator Rates Apply Home Equity Loans

If you're looking for a home equity loan with a fixed rate, and have one specific purpose in mind for a lump sum of money, this is the product to choose. It may be the right choice for consolidating higher interest rate debts and be rid of that debt within a 60 to 240 month term.

  • No closing cost for lines up to $50,000
  • Up to 90% of appraised value
  • Loan amount from $5,000 - $200,000
  • Up to 20 year term
  • Fixed Rate
  • AutoPay options available
  • Internet and Telephone Banking access
  • Tax Deductibility - Consult a tax advisor regarding the deductibility of interest and charges. The interest paid may be tax deductible
  • Available on primary residence located in Monroe, Orleans, Genesee, Livingston, Ontario and Wayne County

Calculator Rates Apply Home Improvement Loans

Do you need to make improvements to your home but haven't been there long enough to build up much equity to qualify for a home equity loan? Then this product can work for you.

  • No closing costs
  • Up to 100% of cost of improvements
  • Loan amount from $5,000 - $50,000
  • Up to 10 year term
  • Fixed Rate
  • AutoPay options available
  • Internet and Telephone Banking access
  • Available on primary residence located in Monroe, Orleans, Genesee, Livingston, Ontario and Wayne County
"I just want to thank you all for being so helpful and responsive!"
~ Victoria of East Rochester, NY, Member since 1990

Learn More Rates Apply Student Loans

Pittsford Federal Credit Union is proud to partner with Credit Union Student Choice and Chevron Federal Credit Union to help students and families achieve the dream of higher education!

The Student Choice private student loan solution:

  • Helps fill the funding gap that exists after lower-cost sources of aid have been exhausted.
  • Offers zero origination fees and lower rates than many other lenders.
  • Allows for fully deferred payment while you're in school (optional).
  • Is structured as a Line-of-Credit (LOC), which you can then use over multiple years. The benefit is that with just one application you can qualify for a LOC that will cover the remainder of your undergraduate career (up to $75,000)*. Each year, you simply determine how much of the eligible LOC amount you'll need - without having to complete an entirely new application!
  • Offers flexible repayment options resulting in lower initial payments after graduation.
  • Gives you the chance to reduce your interest rate by 0.25% during full repayment when you enroll in automatic payment.

How to proceed:

Please allow up to 20 business days from the time you submit your completed loan documents to disbursement.
Step 1) Apply online with our student loan provider Student Choice.

Step 2) Once approved, you must then Join Chevron FCU before you are able to request an advance.

*Subject to qualification and annual credit review.