Finger Lakes Federal Credit Union

Overview / Commentary
27 Seneca St
Geneva, NY 14456

Finger Lakes Federal Credit Union is headquartered in Geneva and is the 52nd largest credit union in the state of New York. It is also the 1,134th largest credit union in the nation. It was established in 1967 and as of December of 2022, it had grown to 45 employees and 22,075 members at 4 locations. Finger Lakes Federal Credit Union's money market rates are 48% higher than the national average, and it has a B+ health rating.

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.
See current membership details


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Health Grade Components

NCUA #18022
Year Chartered1967
Primary Regulator
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD12.22%
Annual Interest Income$6.7MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$239.7MM$244.7MM
LoansQ4 2022vs Q4 2021$174.7MM$159.9MM
DepositsQ4 2022vs Q4 2021$219.4MM$222.5MM
Equity CapitalQ4 2022vs Q4 2021$18.5MM$21.0MM
Loan Loss AllowanceQ4 2022vs Q4 2021$515.00K$544.00K
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$119.00K$252.00K
Real Estate OwnedQ4 2022vs Q4 2021$0$0
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Always verify rates and promotions with the bank or credit union. We are not Finger Lakes Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Finger Lakes Federal Credit Union Savings Account Rates

0.20%--IRA Account
0.05%$5-Share Account
0.05%*-$50kKasasa Saver
OTHER TIERS: 0.03% $50k+
0.03%--Holiday Club

Finger Lakes Federal Credit Union Money Market Rates

0.65%*$250k*-Money Market Account
OTHER TIERS: 0.20% $2.5k - $10k | 0.25% $10k - $25k | 0.40% $25k+ | 0.45% $50k - $100k | 0.55% $100k - $250k

Finger Lakes Federal Credit Union Checking Account Rates

0.25%*-$10kKasasa Cash Checking
OTHER TIERS: 0.03% $10k+

Finger Lakes Federal Credit Union CD Rates

1.50%$500-3 Month CD
1.50%$500-4 Year CD
1.50%$500-5 Year CD
1.25%$500-2 Year CD
0.55%$500-18 Month CD
0.50%$500-1 Year CD
0.45%$500-9 Month Add-On CD
0.40%$500-6 Month CD
0.35%$500-3 Year CD

Finger Lakes Federal Credit Union IRA Rates

1.50%$500-3 Year IRA
1.50%$500-4 Year IRA
1.50%$500-5 Year IRA
1.25%$500-2 Year IRA
0.55%$500-18 Month IRA
0.50%$500-1 Year IRA
0.45%$500-9 Month Add-On IRA
0.40%$500-6 Month IRA
0.35%$500-3 Month IRA

Finger Lakes Federal Credit Union Locations
Branch Office1934 State Route 96Phelps, NY 14532-9705
Branch Office27 Seneca StGeneva, NY 14456-3502
Branch Office70 S Main StFairport, NY 14450-2136
Branch Office815 Ridge RdWebster, NY 14580-2410

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