Home About Genesee Co-op Contact Us Become a Member Online Banking Login Search Site Services Loans Mortgages Rates Financial Education Home/Loans/Alternative Payday Line-of-Credit (APLOC) Alternative Payday Line-of-Credit (APLOC) We offer a $500 line-of-credit for emergency purposes and when a CU member does not currently qualify for an Overdraft LOC. The member must have been a members for at least six months and have direct deposit to apply for an APLOC. There is a $35 application fee. There is a fixed rate of 18% APR on our APLOC. The APLOC must be repaid within a three month period, so it is intended as a very short-term loan but can be re-used again when needed. After one year of positive repayment of an APLOC, the member will automatically qualify for an Overdraft LOC and the rate will be changed to 13% APR and the minimum payment will be reduced to $20 per month. Loans New and Used Auto Loans Personal Unsecured & Secured Loans Debt Consolidation Loans Overdraft Line-of-Credit Alternative Payday Line-of-Credit (APLOC) Share-Secured Loans Paycheck Protection Program Our Members make the difference. Member Since 1982 Alison is credited with inspiring the founder of Genesee Co-op FCU, David Knoll, to become an organizer of the credit union. According to David, "Alison said to me 'You need to start a credit union!' With the information and contacts she provided me, I worked to get Genesee Co-op FCU going." THANK YOU ALISON!! "I was an early joiner. I'm supporting what I believe." Alison Clarke LOST or STOLEN VISA Debit Card? Please call 1-888-241-2510. Contact Us 395 Gregory St. Rochester, NY 14620-1327 Phone: 585-461-2230 Fax: 585-461-3189 Get Directions Hours Mon, Tues, Wed 10am-5pm Thurs, Fri 10am-6pm Our telephone banking service and this website are accessible 24 hours, 7 days per week. Quick Links Learn about Services Check Rates Become a Member Send a Message Privacy Policy Site Map Federally insured by the NCUA ©2021 Genesee Co-op Federal Credit Union. All rights reserved.