Inner Lakes Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.innerlakesfcu.org

716-326-3858

19-21 E Main St
Westfield, NY 14787

Inner Lakes Federal Credit Union is headquartered in Westfield and is the 70^th largest credit union in the state of New York. It is also the 1,485^th largest credit union in the nation. It was established in 1952 and as of March of 2025, it had grown to 27 employees and 10,521 members at 5 locations. Inner Lakes Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Inner Lakes Federal Credit Union is open to businesses and anyone who lives, works, worships, or goes to school in Chautauqua County. Immediate family and household members are also eligible to join.
See current membership details

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	7717
Year Chartered	1952
Employees	27
Primary Regulator

Profit Margin
Return on Assets - YTD	1.08%
Return on Equity - YTD	22.92%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$153.1MM$139.5MM
Loans	Q1 2025vs Q1 2024	$53.7MM$56.2MM
Deposits	Q1 2025vs Q1 2024	$145.4MM$135.1MM
Equity Capital	Q1 2025vs Q1 2024	$7.1MM$4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$482K$521K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$570K$259K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Rates for Inner Lakes Federal Credit Union are currently being reviewed.

Locations

Inner Lakes Federal Credit Union Locations
Branch Office	21 Main St	Bemus Point, NY 14712-9303
Branch Office	19-21 E Main St	Westfield, NY 14787-1319
Branch Office	3795 Lakeview Rd	Fredonia, NY 14063-1972
Branch Office	338 Central Ave	Dunkirk, NY 14048
Branch Office	232 Central Ave	Silver Creek, NY 14136-1222

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