Routing Number: 222381934



Fraud and Security



Home/Mortgage Calculators

HELOC Fixed Rate
Est. Home Value $100,000 $100,000
Max Borrowing % 100% 90%
Equity Available for Loan, Less $100,000 $90,000
First Mortgage Balance ($60,000) ($60,000)
Max Loan or Line Amount $40,000 $30,000

The APR on your home equity line of credit is variable and may increase or decrease based on the prime lending rate plus your margin. Home Equity Lines of Credit (HELOC) are subject to a lifetime ceiling of 15.75%. We will require you to sign an agreement stating that if you terminate your line of credit or loan within the first 36 months of your mortgage recording date, you must reimburse us for actual costs and fees paid in connection with opening your account. For a line of credit of $35,000, we estimated these costs to range between $750- $1,000. Property insurance and flood insurance, if applicable, are required.

All lines and loans are subject to credit approval and a properly appraisal unless otherwise noted. Terms stated are for owner-occupied residences located in New York State only. We will file a mortgage on your home. You should consult a tax adviser regarding the deductibility of interest. Contact us for rates and terms of other programs. Rates and terms are subject to change without notice.


Fraud & Security

One of the many perks that come with being a member of GVFCU is the education support that we provide. Here at GVFCU we take your security and protection seriously. As we are all aware fraud and scams are now part of our everyday life. We are committed to providing you with tips and tricks, as well as the tools necessary to protect you from becoming a victim of fraud or falling victim to the many scams that are taking place all around us.

Our staff members are continuously trained and educated to provide them with the tools and resources that can help protect our members and inform our members all of the benefits that come when you join our organization.

Common Practices to Help Prevent Identity Theft:

  • Shred all pre-approved credit offers, account statements, and financial documents before disposing of them
  • Never carry your Social Security Card
  • Do not print social security number or drivers license number on your checks
  • Review your credit reports annually
  • Only carry credit cards with you that you use
  • Carefully review your credit card statements prior to paying them
  • Be aware of creditor due dates and know if a bill is missing
  • Know the security procedures at your place of work
  • Never reveal personal information unless you initiated the contact and know who you are dealing with
  • Have copies of credit cards stored in a safe place in the event they are stolen

Protecting Your Checking Account

  • Know where your check book is at all times
  • Print firmly and use permanent dark ink when writing checks
  • Check your account statements for fraudulent activity
  • Do not give out your account number unless you know the company or individual requesting the information and understand why they are requesting the information

Computer Safety

  • Update virus protection software daily
  • Do not open files or links sent from people that you don't know
  • Use a firewall program
  • Enter personal and financial information only when there is a 'lock' icon in the browser's status bar
  • Make sure the URL reads "https" not just "http"
  • If you must store personal and financial information on your computer, be sure to:
    • Delete personal information using a hard drive 'wipe' utility program when disposing of your computer
    • Use a strong password containing numbers, letters (upper and lower case) and special characters
    • Do not use an automatic login feature
    • Always use the Log Off button when you are finished

Member Services

Considering Becoming a Member

Everything you need to know about membership you can find here!

A Credit Union is a cooperative, not-for-profit financial institution organized to promote saving and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the Credit Union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow money at reasonable rates.

The first Credit Union cooperatives started in Germany over a century ago. Today, Credit Unions are found everywhere in the world. The Credit Union movement started in this country in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated Credit Union, opened its doors in 1909. Today, one in every three Americans is a Credit Union member.

Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A Credit Union doesn't operate in that manner. Rather, each Credit Union member owns one "share" of the organization. The user of Credit Union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.

The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. Credit Unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are non-profit cooperatives. Rather than paying profits to stockholders, Credit Unions return earnings to members in the form of dividends or improved services.

Genesee Valley Federal Credit Union is formerly known as G.V.T.A Federal Credit Union. Genesee Valley Teacher Association was formed and operated with teachers of the Livingston, Steuben and Wyoming County Boces. It was started in 1974 by Bruce Johnson, who was a teacher at York Central School. He and a few colleagues started G.V.T.A. in the basement of Bruce Johnson’s home. We have come a long way since then. We currently have 3 fully operating branches located in Geneseo, Dansville and Warsaw which covers two counties.

At Genesee Valley Federal Credit Union, if you live, work, worship, go to school or volunteer in Livingston or Wyoming Counties, you are eligible to become a member. Also included are member's immediate family- grandparents, parents, step-parents, spouse, children (including adopted and step), grandchildren and siblings (step-siblings).

To earn the trust and confidence of our members by exceeding expectations through our commitment to their financial success by meeting members financial needs through exceptional service at the best possible value while maintaining financial stability. We strive to be our members' primary financial institution.

Once you have established membership in GVFCU, you retain the full borrowing and savings right of that membership for life as long as the account remains open. This means employees who terminate, or family members who have established membership, have lifetime use of GVFCU services until they so choose to close the account.

Getting Started

What is needed to become a member?

Valid Driver's License or US Passport
A valid driver’s license, valid gov’t issued picture ID, or valid US Passport can be used as ID Verification. If these documents are not available, GVFCU will use a point system and work with you to obtain 6 points of identification. If this license does not list the current physical address, proof of current physical address is required (utility bill, lease, mail, etc…) If you do not have a valid Driver’s License, contact your local branch so one of our Member Service Representatives can go through the valid documentation types and see what works for you.
Social Security Number
Social Security Number of Tax ID Number. In the case of a minor, birth certificate, or social security card is required along with a parent and/or guardian.
Phone Number
A valid phone number is required.
Minimum $5.00 deposit
This is needed to establish membership deposit in your savings account.
Live, work, worship, go to school, or volunteer in Livingston or Wyoming Counties
The field of membership shall be limited to those having the following:.
If you life, work, worship, go to school, or volunteer in Livingston or Wyoming Counties, you are eligible to become a member. Also, included are members’ immediate family – grandparents, parents, step-parents, spouse, children (including adopted and step), grandchildren and siblings (step-siblings).



Important information about Procedures for opening a new account
To help the local government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents. 



As a Member

Ordering Checks

For your convenience and security, check ordering is available on the home page of our website, on Home Banking, or by clicking here.  If this is your first check order with Main Street Checks, we recommend you call your local branch and speak to a member service representative.  They will be happy to make any information changes on your account or to place your check order on your behalf.

Order Checks Now

Order Checks Now

Fee Schedule

At GVFCU, we strive to keep costs low and transparent for our members.  Please review our Service Charge and Fee Schedule below.

View Fee Schedule


We post all of our disclosures online for you to review at any time!