Finger Lakes Federal Credit Union

Headquarters

Po Box 433
Geneva, NY 14456
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.05%	4.60% →
1-Year CD	0.40%	4.59% →
2-Year CD	0.60%	4.00% →
5-Year CD	1.10%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Finger Lakes is an NCUA insured institution located in Geneva, NY. It was founded in 1967 and has approximately $250.02 millions in assets.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 18022
Date Established	1967
Assets	$250.02 million
Loans	$158.27 million
Deposits	$213.44 million
Capital	$33.28 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 - November 15, 2025

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.05%	$2,500	$4,999	Learn More Reviews
Money Market	0.10%	$2,500	$2,999	Learn More Reviews
Money Market	0.15%	$10,000	$14,999	Learn More Reviews
Money Market	0.20%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.30%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.30%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.40%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.40%	$100,000	$199,999	Learn More Reviews
18 Mo CD	0.50%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.50%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.60%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.60%	$100,000	$199,999	Learn More Reviews
36 Mo CD	0.75%	$10,000	$14,999	Learn More Reviews
36 Mo CD	0.75%	$100,000	$199,999	Learn More Reviews
48 Mo CD	0.90%	$10,000	$14,999	Learn More Reviews
48 Mo CD	0.90%	$100,000	$199,999	Learn More Reviews
60 Mo CD	1.10%	$10,000	$14,999	Learn More Reviews
60 Mo CD	1.10%	$100,000	$199,999	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
Var IRA	0.20%	$1	$499	Learn MoreShow Less

Loan Rates - November 15, 2025

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 1157983 License#: 1157983	5.686%	5.625%	0.63	$2,134	$1,843	Learn More
NMLS ID: 432980	5.867%	5.750%	0.00	$4,324	$1,868	Learn More
NMLS ID: 757416	6.052%	5.990%	0.63	$2,147	$1,917	Learn More

See More Mortgage Rates →

Featured - Washington Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Achieve Loans See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

See More Home Equity Rates →

Note to Finger Lakes
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Branches

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:
Seattle,Washington

Finger Lakes Locations around zip code 98109

Branch	Distance	Map	View Lobby Hours
Main Office	2397.69	A	View Lobby Hours
Phelps Branch	2420.40	B	View Lobby Hours
Main Office 27 Seneca	2426.66	C	View Lobby Hours
Willard Branch	2434.95	D	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

FINGER LAKES is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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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
2.08%	5.63

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, 2025, Finger Lakes had $701,518 in non-current loans and $0 in owned assets. To cover these potential losses it had $33,278,672 in net worth and $514,614 in loans loss reserves. That gives it a Texas Ratio of 2.08%.

Net Worth

Finger Lakes	U.S. Average
13.82%	14.29%

Finger Lakes FCU has a net worth of 13.82% versus the BestCashCow average of 14.29. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Finger Lakes

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