Wit Federal Credit Union

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A short history of Wit FCU

Since its inception in 1962 the Wit Federal Credit Union has been serving its members in the ROCHESTER, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by David Wright, the Wit FCU has grown its membership to over 4,076 with assets of more than $18,495,956. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (585) 454-4580 or email them at witfcu@cudomain.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in ROCHESTER, NY.

General Information For Wit FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 14836
Address 22 4TH ST 
State New York 
Zip-Code 14609
Phone Number (585) 454-4580
Fax Number (585) 454-4610
Email Address: witfcu@cudomain.com
CEO/President David Wright
Members 4,076 
Full-Time Employees 10 
Part-Time Employees
Number of Branch Offices
Total Assets 18,495,956 
Website http://witfcu.com 

Compare Wit Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Rochester & Monroe Co Emp CU Main Office 460 N Goodman St 14609 (585) 546-4279 No 1.95
Rochester Polish CU Main Office 1325 Hudson Ave 14617 (585) 266-5876 No 2.57
Ukrainian CU Portland branch 11050 SE Powell Blvd Ste 371 97266 (503) 774-1444 No 2.58
Family First Of Ny CU Henrietta Branch 1225 Jefferson Rd Ste A21 14626 (585) 586-8225 No 3.02
Esl CU Merchants 215 Merchants Rd 14609 (585) 336-1000 No 3.07

Wit Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Wit Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.90 3.75 4.95 4.52 4.36
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 332 243 318 207 148
Rank Among All New York Credit Unions 56 95 97 72 44

Wit Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.46 0.82 0.49
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 66 203 229
Rank Among All New York Credit Unions N/A 38 16 47 59
Wit Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.900169192,451
All Other Unsecured Loans/Lines of Credit 10.4207952,794,155
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 5.00029295,538
New Vehicle Loans 3.75062905,304
Used Vehicle Loans 4.9503823,084,052
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.520191,906,047
Total Other Real Estate Loans/Lines of Credit 4.3601233,697,565
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.6901351,061,379
TOTAL LOANS & LEASES 1,71413,936,491

Wit Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 7732,07800
    b. 15 Years or less 111,147,0871112,000
    a. > 15 years 0000
    b. 15 Years or less 001112,000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 126,88200
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 391,162,86500
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 842,534,7009223,102
Open-End Fixed Rate 0000
TOTALS 1425,603,61211447,102


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Wit Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes