Inner Lakes Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.8 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

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

Reviews

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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

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.8 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

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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