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Inner Lakes Federal Credit Union

Popular Accounts at this Credit Union

0.65%1-year CD12 Month CD
0.15%SavingsShares Savings
1.56%4-year CD48 Month CD

Overview / Commentary
19-21 E Main St
Westfield, NY 14787-1319

Inner Lakes Federal Credit Union is headquartered in Westfield and is the 87th largest credit union in the state of New York. It is also the 1,786th largest credit union in the nation. It was established in 1952 and as of March of 2017, it had grown to 20 employees and 9,126 members at 7 locations. Inner Lakes Federal Credit Union's money market rates are 14% higher than the national average, and it has a B+ health rating.

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.
See current membership details

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Inner Lakes Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #7717
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD7.82%
Annual Interest Income$566.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$83.2MM$78.6MM
LoansQ1 2017vs Q1 2016$32.1MM$31.5MM
DepositsQ1 2017vs Q1 2016$77.4MM$73.0MM
Equity CapitalQ1 2017vs Q1 2016$5.7MM$5.5MM
Loan Loss AllowanceQ1 2017vs Q1 2016$164.00K$144.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$228.00K$317.00K
Real Estate OwnedQ1 2017vs Q1 2016$58.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Inner Lakes Federal Credit Union Savings Account Rates

1.06%*$50k*-IRA Share
OTHER TIERS: 0.55% Up to $25k | 0.80% $25k - $50k
0.15%--Shares Savings
0.15%--Christmas Club

Inner Lakes Federal Credit Union Money Market Rates

0.50%*$50k*-Money Market
OTHER TIERS: 0.25% $2,500 - $5k | 0.30% $5k - $25k | 0.35% $25k - $50k

Inner Lakes Federal Credit Union CD Rates

1.56%$1k-48 Month CD
1.36%$1k-36 Month CD
1.11%$1k-24 Month CD
0.65%$500-12 Month CD
0.65%$500-18 Month CD
0.50%$500-6 Month CD

Inner Lakes Federal Credit Union Locations
Branch Office620 Marauder DrDunkirk, NY 14048
Branch Office19-21 E Main StWestfield, NY 14787-1319
Branch Office3795 Lakeview RdFredonia, NY 14063-1972
Branch Office2 Hadley Bay RdStow, NY 14785
Branch Office138 W Main StBrocton, NY 14716
Branch Office338 Central AveDunkirk, NY 14048
Branch Office127 Park StSherman, NY 14781-9624