WIT Federal Credit Union

About Us


We are a not-for-profit cooperative that offers our members products and services for their financial needs.  Our purpose is simply to serve our members. Because of that, we keep our expenses low, loan rates low, and savings yields high.  We have a 50-year history of strength and integrity and total commitment to our members.



WIT Federal Credit Union was given a charter in 1962 to serve employees of West Irondequoit school system. That original charter has been expanded, and the credit union of RTS (Rochester Regional Transit Workers Federal Credit Union) merged with WIT in 1984. In 2013 BTA Federal Credit Union, made up of Teamsters, merged into WIT. Over the years a number of other Labor Unions and employment groups have joined WIT.


Who can Become a Member?

  • West Irondequoit School District employees
  • Full time students of West Irondequoit High School
  • Employees and volunteers of private schools in Irondequoit which include:
    • Bishop Kearney
    • Christ the King
    • St. John Neumann
  • Employees and dues paying members of Amalgamated Transit Workers, Local 282
  • Rochester - Genesee Regional Transportation Authority employees
  • Lift Line employees
  • Employees and dues paying members of Laborers' International Union of
    North America, Local 435
  • Employees and members of International Association of Heat and Frost Insulators & Allied Workers, Local 26.
  • Employees and members of Sheet Metal Workers' International Association, Local 46.
  • Employees and members of Teamsters Local 118
  • Employees of Alsco who work in Rochester, NY
  • Immediate family members of persons belonging to any of the above groups. The definition of immediate family members is regulated by NCUA


How To Become a Member

You may join the credit union simply by opening an account with a $5 member savings account. Once you become a member of WIT Federal Credit Union, you may always be a member regardless of where you live or work. All members of the credit union are entitled to be involved with the management of the credit union by virtue of electing the Board of Directors. As an owner of your credit union, you are eligible for all WIT products, services, and perks.


Board of Directors

The Credit Union Board of Directors is made up of volunteers elected by the membership at our annual meeting. Directors are elected to serve a three-year term. The volunteer spirit is a defining difference between credit unions and for-profit financial institutions. These dedicated volunteers give many hours of their personal time to direct the operations and policies of your credit union. If you are interested in finding out more about volunteer opportunities with your credit union please contact the manager at (585) 454-4580.

In addition to the Board of Directors, WIT has a three member volunteer Supervisory Committee. Working within NCUA regulations and direction they hire an outside audit firm to conduct and annual examination of the credit unions finances. The findings of the audit are presented to the Board of Directors. In addition these dedicated volunteers conduct numerous internal audits throughout the year including account verification, loan audits and reviews of internal controls.


Deposit Insurance

The National Credit Union Administration (NCUA) is an independent agency of the United States Government. NCUA regulates, charters, and insures the nation’s credit unions. The National Credit Union Share Insurance Fund (NCUSIF), an arm of NCUA, insures the deposits in your credit union. NCUA was established by congress in 1970 to insure member accounts at insured credit unions. Your insurance is similar to the deposit insurance protection offered by the Federal Deposit Insurance Corporation (FDIC).

Not one penny of insured savings has ever been lost by a member of a federally insured credit union. Insured credit unions are required to deposit and maintain one percent of their insured deposits in the NCUSIF. As a member of an insured credit union, you do not pay directly for your insurance protection. All types of member accounts and deposits received by the credit union in its usual course of business, including regular savings, certificates, money market accounts, and checking accounts are insured. The insured amount for a credit union member under law is at least $250,000. Accounts maintained in different rights or capacities, or forms of ownership, may each be separately insured up to $250,000. Thus, a member may hold or have an interest in more than one separately insured account in the same insured credit union. For more information on deposit insurance visit the NCUA website (ncua.gov). You can find out more about deposit insurance under insurance regulations in the information section.



Office Hours


WIT Branch

M-W 9 am to 3:30 pm
Th-F 9 am to 4:30 pm
22 4th Street
Rochester, NY 14609
Ph. (585) 454-4580
Fx. (585) 454-4610

BTA Branch

M-F 9 am to 4 pm
1350 Buffalo Road – Lower Level
Rochester, NY 14624
Ph. (585) 328-0340
Fx. (585) 328-1391

Irondequoit Branch

M-F 11 am 5 pm
200 Perrin Drive
Rochester, NY 14622
Phone: (585) 342-5680
Fax: (585) 544-1843



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