COUNTRYUnited States
Detailed information about SWIFT Code AFCUUS33

Federal Credit Union SWIFT Code Details

Overview of SWIFT and SWIFT Codes

What is a SWIFT code?

A SWIFT code, also known as a SWIFT-BIC code, is a standard format for identifying financial institutions for international money transfers. SWIFT stands for “Society for Worldwide Interbank Financial Telecommunication” and is the organization that oversees the SWIFT system.

SWIFT codes uniquely identify each financial institution, making international transactions more secure and efficient.

SWIFT code format

SWIFT codes consist of 8 to 11 alphanumeric characters, broken down into several components:

  • Bank Code (4 characters): Uniquely identifies the financial institution
  • Country Code (2 characters): Indicates the country location of the institution
  • Location Code (2 characters): Indicates the city/region location
  • Branch Code (3 characters, optional): Identifies a specific branch of the institution

How SWIFT codes are used

SWIFT codes facilitate automated cross-border payments and allow financial institutions to communicate payment orders securely.

Key uses and applications include:

  • International wire transfers between banks
  • Foreign currency exchange settlements
  • International trade finance transactions
  • Other cross-border payments like overseas mortgage payments

Having the correct SWIFT code helps ensure payments reach the intended beneficiary accounts smoothly.

Introducing Advantage Federal Credit Union

Overview and history

Advantage Federal Credit Union (Advantage FCU) is a member-owned, not-for-profit financial cooperative serving communities across central New York.

It was founded in 1953 by Kodak employees and has now grown to serve over 46,000 members across 4 branches in Rochester.

Locations and branches

Advantage FCU has the following branch locations:

Gates Location: 1975 Buffalo Rd
Rochester, NY 14624

Kodak Location:
1480 W Ridge Rd
Rochester, NY 14615

Greece Location:
1225 Long Pond Rd Ste 1 Rochester, NY 14626

Webster Location:
874 Ridge Rd Ste 4 Webster, NY 14580

Products and services offered

Advantage FCU offers a full range of financial products and services for individuals and businesses, including:

  • Savings and Checking Accounts
  • Certificates of Deposit
  • IRAs
  • Mortgages and Home Loans
  • Auto, Boat, RV Loans
  • Personal Loans
  • Credit Cards
  • Business Loans and Lines of Credit

They also provide mobile and online banking, insurance services and retirement planning.

Advantage Federal Credit Union’s SWIFT Code Breakdown


Let’s break down the components of Advantage FCU’s SWIFT-BIC code:

AFCU – Bank Code

This 4 letter code uniquely identifies Advantage Federal Credit Union as the financial institution.

US – Country Code

The 2 letter country code ‘US’ stands for the United States, indicating Advantage FCU is located in America.

33 – Location Code

This 2 digit location code ’33’ represents the specific geographic region the SWIFT registered office is located in.

Here, it indicates Advantage FCU is registered in the New York State (NY) region.

XXX – Branch Code

No branch code is assigned, indicated by the ‘XXX’ placeholder branch code.

Understanding the significance of each component

The SWIFT code contains crucial information to facilitate smooth international transactions and messages between Advantage FCU and overseas banking counterparts.

It confirms:

  • The unique identity of Advantage FCU as the originating or destination financial institution
  • The country location (United States)
  • The regional locality (New York State)

SWIFT codes hence help standardize and process international Advantage FCU transactions correctly.

Practical Uses and Applications of the SWIFT Code

Advantage FCU’s SWIFT code has a variety of practical applications, including:

International money transfers

For wire transfers sent to or from Advantage FCU with overseas banks, quoting AFCU’s SWIFT code helps quickly route payments.

Foreign currency exchange

Currency trading counterparties use SWIFT codes to identify and settle FX deals involving Advantage FCU.

International trade transactions

Exporters, importers and trading partners use Advantage’s SWIFT code to facilitate cross-border payments and transactions.

Having the right SWIFT code connects the global dots, enabling smooth trade finance dealings with Advantage FCU.

Accessing Advantage Federal Credit Union’s Services

To access Advantage Federal Credit Union’s products and services:

Eligibility requirements

Membership is open to anyone who:

  • Lives, works, worships or attends school in Monroe, Ontario, Wayne, Livingston or Yates County
  • Has a family member who’s an existing member

Businesses located in those counties are also eligible to join.

Opening an account

You can become a member by opening a savings account with an initial $5 deposit. This qualifies you to access their full range of banking solutions.

Ways to bank with Advantage FCU

Convenient banking channels include:

  • Branches: Visit one of 4 locations
  • Online/Mobile Banking: Manage accounts remotely
  • Shared Branching: Access accounts from 5,000+ shared credit union branches nationwide

Contact Advantage FCU directly for full details on membership eligibility and opening an account.


Advantage Federal Credit Union’s SWIFT code provides key details to facilitate international banking and money transfers with the institution.

Understanding the breakdown of the code helps identify Advantage FCU’s location and unique identity accurately.

With flexible access through online and shared branching, Advantage FCU makes reliable banking accessible for local communities and beyond.

Utilizing their SWIFT services effectively unlocks more efficient overseas banking capabilities.


What is the BIC code for Advantage FCU?
The BIC (or SWIFT) code for Advantage Federal Credit Union is AFCUUS33.

Where is Advantage Federal Credit Union headquartered? Advantage FCU is headquartered in Rochester, NY with 4 branch locations across the region.

What types of international transactions can I conduct with Advantage FCU’s SWIFT code? You can use Advantage’s SWIFT code for international wire transfers, foreign currency exchanges, trade finance deals and remittance payments.

Can I use Advantage FCU’s SWIFT code for domestic transfers?
No, SWIFT codes are specifically for cross-border interbank messaging and transactions. For US-based transfers, traditional local routing numbers are used instead.

Who regulates and assigns SWIFT codes like Advantage FCU’s? SWIFT codes are regulated and administered by SWIFT, the Society for Worldwide Interbank Financial Telecommunication headquartered in Belgium.

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