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19-21 E Main St
Westfield, NY 14787-1319

Inner Lakes Federal Credit Union is headquartered in Westfield and is the 88th largest credit union in the state of New York. It is also the 1,797th largest credit union in the nation. It was established in 1952 and as of December of 2016, it had grown to 20 employees and 9,125 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.
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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 - YTD0.58%
Return on Equity - YTD8.35%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$80.4MM$75.8MM
LoansQ4 2016vs Q4 2015$31.7MM$31.4MM
DepositsQ4 2016vs Q4 2015$74.7MM$70.4MM
Equity CapitalQ4 2016vs Q4 2015$5.6MM$5.4MM
Loan Loss AllowanceQ4 2016vs Q4 2015$163.00K$137.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$304.00K$375.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$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