PO BOX 433
Geneva, NY 14456

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 0.55% 2.20% →
2-Year CD 0.85% 2.20% →
5-Year CD 2.15% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Finger Lakes is an NCUA insured institution located in Geneva, NY. It was founded in 1967 and has approximately $126.68 millions in assets.

NCUA Insured Yes
Charter Number # # 18022
Date Established 1967
Assets $126.68 million
Loans $95.52 million
Deposits $113.09 million
Capital $12.29 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school in Ontario, Seneca or Yates County and immediate family of those eligible.

Deposit Rates - February 17, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $2,500 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 - Learn MoreShow Less
0.45% $500 $9,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.25% $10,000 - Learn MoreShow Less
6 Mo CD
0.35% $10,000 - Learn MoreShow Less
12 Mo CD
0.55% $10,000 - Learn MoreShow Less
18 Mo CD
0.60% $10,000 - Learn MoreShow Less
24 Mo CD
0.85% $10,000 - Learn MoreShow Less
36 Mo CD
1.10% $10,000 - Learn MoreShow Less
48 Mo CD
1.75% $500 - Learn MoreShow Less
60 Mo CD
2.15% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.30% $1 - Learn MoreShow Less

Loan Rates - February 17, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FINGER LAKES

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
NMLS ID: 2890
License#: 13256
3.378% 3.375% 0.00 $92 $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Finger Lakes branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Finger Lakes Locations

Financial Details

Finger Lakes Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Finger Lakes. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Finger Lakes U.S. Average
6.92% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Finger Lakes had $882,790 in non-current loans and $0 in owned assets. To cover these potential losses it had $12,291,087 in net worth and $467,393 in loans loss reserves. That gives it a Texas Ratio of 6.92%.

Net Worth
Finger Lakes U.S. Average
9.7% 13.65%

Finger Lakes FCU has a net worth of 9.7% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Finger Lakes

Branches and Savings

What is Finger Lakes?

A federal credit union, registered with the NCUA under certificate #18022.
Learn more about credit unions here.

Is Finger Lakes FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Finger Lakes?

Please see Field of Membership information above for information on who is eligible to join.

What are Finger Lakes's share account and share certificate rates?

Finger Lakes's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Finger Lakes?

Finger Lakes has total capital of $12.29 million. Full information on Finger Lakes's financial position is located above.

Who owns Finger Lakes?

Credit Unions are owned by their members.

Where are Finger Lakes branches located?

See branch locations nearby.

Are Finger Lakes ATMs Open 24/7?

Do Finger Lakes ATMs accept cash deposits?

Can Finger Lakes customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Finger Lakes have a mobile app?

Does Finger Lakes have mobile deposit?

Does Finger Lakes have quick pay?

How can Finger Lakes transfer money to other banks or credit unions?

Does Finger Lakes report to credit bureaus?

Does Finger Lakes use Chexsystems?

Does Finger Lakes use Equifax?

What is Finger Lakes's toll free phone number?

What is Finger Lakes's ACH Routing Number?

What is Finger Lakes's SWIFT code?

Where can I find Finger Lakes's wire transfer form?

What is the Finger Lakes address for deposits?

What Products Does Finger Lakes Offer

Does Finger Lakes offer mortgages?

Compare mortgage rates here.

Does Finger Lakes offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Finger Lakes offer auto and RV loans?

Compare auto loan rates here.

Does Finger Lakes offer student loans or personal loans?

Compare personal loan rates here.

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