Inner Lakes


19-21 E Main St
Westfield, NY 14787
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.65% →
1-Year CD 0.95% 0.70% →
2-Year CD 1.26% 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Inner Lakes is an NCUA insured institution located in Westfield, NY. It was founded in 1952 and has approximately $128.86 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 7717
Date Established 1952
Assets $128.86 million
Loans $44.08 million
Deposits $118.99 million
Capital $9.48 million

Field of Membership Restrictions

Must be an employee or member of any board of education who work in any school at Bemus Point, Brocton, Cassadaga, Chautauqua Lake, Fredonia, Ripley, Sherman or Westfield, New York or be an employee of other select companies and organizations.

Deposit Rates - July 26, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.35% $2,500 $2,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.45% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.80% $10,000 $14,999 Learn More
6 Mo CD
0.80% $100,000 $199,999 Learn More
12 Mo CD
0.95% $10,000 $14,999 Learn More
12 Mo CD
0.95% $100,000 $199,999 Learn More
18 Mo CD
1.16% $10,000 $14,999 Learn More
18 Mo CD
1.16% $100,000 $199,999 Learn More
24 Mo CD
1.26% $10,000 $14,999 Learn More
24 Mo CD
1.26% $100,000 $199,999 Learn More
36 Mo CD
1.36% $10,000 $14,999 Learn More
36 Mo CD
1.36% $100,000 $199,999 Learn More
48 Mo CD
1.46% $10,000 $14,999 Learn More
48 Mo CD
1.46% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.65% $1 $499 Learn MoreShow Less

Loan Rates - July 26, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for INNER LAKES

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
CIT Bank
NMLS ID: 541760
2.824% 2.750% 1.00 $2,420 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$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 Inner Lakes branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Inner Lakes Locations

Financial Details

Inner Lakes Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Inner 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
Inner Lakes U.S. Average
0.40% 4.38

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 March 31, 2021, Inner Lakes had $38,400 in non-current loans and $0 in owned assets. To cover these potential losses it had $9,479,950 in net worth and $217,414 in loans loss reserves. That gives it a Texas Ratio of 0.40%.

Net Worth
Inner Lakes U.S. Average
7.35% 12.20%

Inner Lakes FCU has a net worth of 7.35% versus the BestCashCow average of 12.20. 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 Inner Lakes

Branches and Savings

What is Inner Lakes?

A federal credit union, registered with the NCUA under certificate #7717.
Learn more about credit unions here.

Is Inner Lakes FDIC insured?

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

Who can join Inner Lakes?

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

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

Inner 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 Inner Lakes?

Inner Lakes has total capital of $9.48 million. Full information on Inner Lakes's financial position is located above.

Who owns Inner Lakes?

Credit Unions are owned by their members.

Where are Inner Lakes branches located?

See branch locations nearby.

Are Inner Lakes ATMs Open 24/7?

Do Inner Lakes ATMs accept cash deposits?

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

Does Inner Lakes have a mobile app?

Does Inner Lakes have mobile deposit?

Does Inner Lakes have quick pay?

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

Does Inner Lakes report to credit bureaus?

Does Inner Lakes use Chexsystems?

Does Inner Lakes use Equifax?

What is Inner Lakes's toll free phone number?

What is Inner Lakes's ACH Routing Number?

What is Inner Lakes's SWIFT code?

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

What is the Inner Lakes address for deposits?

What Products Does Inner Lakes Offer

Does Inner Lakes offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Inner Lakes offer auto and RV loans?

Compare auto loan rates here.

Does Inner Lakes offer student loans or personal loans?

Compare personal loan rates here.

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