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Finger Lakes Federal Credit Union

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Finger Lakes Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Finger Lakes Federal Credit Union?

Current rates for Finger Lakes Federal Credit Union include: 12-Month CD: 1.26%, 18-Month CD: 1.26%, 24-Month CD: 1.51%, 60-Month CD: 1.66%

Q: What CD terms does Finger Lakes Federal Credit Union offer?

Finger Lakes Federal Credit Union CD rates are 1.26% APY for a 12 month CD, 1.26% APY for an 18 month CD, 1.51% APY for a 2 year CD, 1.66% APY for a 3 year CD, 1.66% APY for a 4 year CD and 1.66% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Finger Lakes Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Finger Lakes Federal Credit Union's 3 Year Three-Year CD rates are at 1.66%, 4 Year Four-Year CD rates are at 1.66%, 5 Year Five-Year CD rates are at 1.66%, 2 Year Two-Year CD rates are at 1.51%, 12-Month CD rates are at 1.26%. Finger Lakes Federal Credit Union's checking rates are as high as 2.25%. Finger Lakes Federal Credit Union's Fixed Rate First Mortgage/Construction - 10 Years rates are at 6.38%, Fixed Rate First Mortgage/Construction - 15 Years rates are at 6.50%, Fixed Rate First Mortgage/Construction - 20 Years rates are at 6.75%, Fixed Rate First Mortgage/Construction - 30 Years rates are at 7.12%. Finger Lakes Federal Credit Union's Personal Loan Rates are as low as 6.95%. Finger Lakes Federal Credit Union's Credit Card Rates are at 9.90%. Finger Lakes Federal Credit Union's CD rates are 53% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Finger Lakes Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.40%. Rates last updated and verified on 10/29/2026.

Finger Lakes Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Finger Lakes Federal Credit Union? Share your experience about Finger Lakes Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Finger Lakes Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.40%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Finger Lakes Federal Credit Union
Main Office 27 Seneca

27 Seneca St
Geneva, NY 14456-3502

https://www.flfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Finger Lakes Federal Credit Union CD Rates

Product	Rate	APY	Term
3 Year Three-Year Certificate	1.65%	1.66%	3 years
Min Deposit $500 Details Certificates (Term Share Accounts); Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
4 Year Four-Year Certificate	1.65%	1.66%	4 years
Min Deposit $500 Details Certificates (Term Share Accounts); Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
5 Year Five-Year Certificate	1.65%	1.66%	5 years
Min Deposit $500 Details Certificates (Term Share Accounts); Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
2 Year Two-Year Certificate	1.50%	1.51%	2 years
Min Deposit $500 Details Certificates (Term Share Accounts); Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
12-Month Certificate	1.25%	1.26%	12 months
Min Deposit $500 Details Certificates (Term Share Accounts); Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
18-Month Certificate	1.25%	1.26%	18 months
Min Deposit $500 Details Certificates (Term Share Accounts); Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
6-Month Certificate	1.00%	1.01%	6 months
Min Deposit $500 Details Certificates (Term Share Accounts); Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
9-Month Add-On Certificate	0.70%	0.70%	9 months
Min Deposit $500 Details Certificates (Term Share Accounts); Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
3-Month Certificate	0.65%	0.65%	3 months
Min Deposit $500 Details Certificates (Term Share Accounts); Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Finger Lakes Federal Credit Union Savings Rates

Product	Rate	APY
Share Account	0.10%	0.10%
Min Deposit $5 Details Rates effective as of 8/1/2026; Dividend rates are variable and may change after the account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Holiday Club	0.05%	0.05%
Details Rates effective as of 8/1/2026; Dividend rates are variable and may change after the account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Finger Lakes Federal Credit Union Checking Rates

Product	Rate	APY	View More
Kasasa Cash Checking	2.25%	2.25%
Min Balance $0 Details Balance: $0-$10,000; Qualifying balance up to $10,000.00 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Finger Lakes Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate First Mortgage/Construction - 10 Years	6.375%	0.000	6.519%	10 Years
Details Rates effective as of 10/23/2026; based on $200,000 loan, 720+ credit score, 20% down, single family owner occupied; par option (0 points); other options: 6.125% rate, 0.500 points, 6.378% APR and 6.250% rate, 0.250 points, 6.449% APR Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.52% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Fixed Rate First Mortgage/Construction - 15 Years	6.50%	0.000	6.603%	15 Years
Details Rates effective as of 10/23/2026; based on $200,000 loan, 720+ credit score, 20% down, single family owner occupied; par option (0 points); other options: 6.250% rate, 0.500 points, 6.431% APR and 6.375% rate, 0.250 points, 6.517% APR Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Fixed Rate First Mortgage/Construction - 20 Years	6.75%	0.000	6.835%	20 Years
Details Rates effective as of 10/23/2026; based on $200,000 loan, 720+ credit score, 20% down, single family owner occupied; par option (0 points); other options: 6.500% rate, 0.750 points, 6.679% APR and 6.625% rate, 0.375 points, 6.757% APR Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Fixed Rate First Mortgage/Construction - 30 Years	7.125%	0.000	7.193%	30 Years
Details Rates effective as of 10/23/2026; based on $200,000 loan, 720+ credit score, 20% down, single family owner occupied; par option (0 points); other options: 6.875% rate, 0.750 points, 7.016% APR and 7.000% rate, 0.375 points, 7.104% APR Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Finger Lakes Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed-Rate Home Equity	5.49%	-	5.49%	Up to 60 Months
Details 85% CLTV 1st Lien; Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Fixed-Rate Home Equity	5.74%	-	5.74%	Up to 60 Months
Details 85% CLTV 2nd Lien; Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Fixed-Rate Home Equity	5.99%	-	5.99%	Up to 120 Months
Details 85% CLTV 1st Lien; Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Fixed-Rate Home Equity	6.24%	-	6.24%	Up to 120 Months
Details 85% CLTV 2nd Lien; Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Fixed-Rate Home Equity	6.24%	-	6.24%	Up to 180 Months
Details 85% CLTV 1st Lien; Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Fixed-Rate Home Equity	6.74%	-	6.74%	Up to 180 Months
Details 85% CLTV 2nd Lien; Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Fixed-Rate Home Equity	6.99%	-	6.99%	Up to 240 Months
Details 85% CLTV 1st Lien; Rates effective as of 10/1/2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Finger Lakes Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New Auto (2025 & newer)	-	-	4.49%	63 Months
Details As Low As; APR with Discount as low as*: 3.99%; Model Year: New Auto (2025 & newer) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2024	-	-	4.49%	63 Months
Details As Low As; APR with Discount as low as*: 3.99%; Model Year: Used Auto - 2024 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - New Auto (2025 & newer)	-	-	4.99%	66 Months
Details As Low As; APR with Discount as low as*: 4.49%; Model Year: New Auto (2025 & newer) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - New Auto (2025 & newer)	-	-	4.99%	72 Months
Details As Low As; APR with Discount as low as*: 4.49%; Model Year: New Auto (2025 & newer) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2024	-	-	4.99%	66 Months
Details As Low As; APR with Discount as low as*: 4.49%; Model Year: Used Auto - 2024 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2024	-	-	4.99%	72 Months
Details As Low As; APR with Discount as low as*: 4.49%; Model Year: Used Auto - 2024 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - New Auto (2025 & newer)	-	-	5.55%	75 Months
Details As Low As; APR with Discount as low as*: 5.05%; Model Year: New Auto (2025 & newer) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.55% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2023	-	-	5.55%	63 Months
Details As Low As; APR with Discount as low as*: 5.05%; Model Year: Used Auto - 2023 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.55% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2024	-	-	5.55%	75 Months
Details As Low As; APR with Discount as low as*: 5.05%; Model Year: Used Auto - 2024 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.55% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2023	-	-	5.65%	66 Months
Details As Low As; APR with Discount as low as*: 5.15%; Model Year: Used Auto - 2023 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.65% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - New Auto (2025 & newer)	-	-	5.75%	84 Months
Details As Low As; APR with Discount as low as*: 5.25%; Model Year: New Auto (2025 & newer) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2022	-	-	5.75%	63 Months
Details As Low As; APR with Discount as low as*: 5.25%; Model Year: Used Auto - 2022 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2023	-	-	5.75%	72 Months
Details As Low As; APR with Discount as low as*: 5.25%; Model Year: Used Auto - 2023 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2024	-	-	5.75%	84 Months
Details As Low As; APR with Discount as low as*: 5.25%; Model Year: Used Auto - 2024 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2022	-	-	5.85%	66 Months
Details As Low As; APR with Discount as low as*: 5.35%; Model Year: Used Auto - 2022 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.85% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2023	-	-	5.85%	75 Months
Details As Low As; APR with Discount as low as*: 5.35%; Model Year: Used Auto - 2023 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.85% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2022	-	-	6.00%	72 Months
Details As Low As; APR with Discount as low as*: 5.50%; Model Year: Used Auto - 2022 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2022	-	-	6.25%	75 Months
Details As Low As; APR with Discount as low as*: 5.75%; Model Year: Used Auto - 2022 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2023	-	-	6.25%	84 Months
Details As Low As; APR with Discount as low as*: 5.75%; Model Year: Used Auto - 2023 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2021	-	-	6.35%	48 Months
Details As Low As; APR with Discount as low as*: 5.85%; Model Year: Used Auto - 2021 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.35% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2022	-	-	6.35%	84 Months
Details As Low As; APR with Discount as low as*: 5.85%; Model Year: Used Auto - 2022 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.35% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2021	-	-	6.45%	63 Months
Details As Low As; APR with Discount as low as*: 5.95%; Model Year: Used Auto - 2021 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.45% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2021	-	-	6.45%	66 Months
Details As Low As; APR with Discount as low as*: 5.95%; Model Year: Used Auto - 2021 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.45% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2018-2020	-	-	6.55%	48 Months
Details As Low As; APR with Discount as low as*: 6.05%; Model Year: Used Auto 2018-2020 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.55% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2018-2020	-	-	6.65%	60 Months
Details As Low As; APR with Discount as low as*: 6.15%; Model Year: Used Auto 2018-2020 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.65% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2018-2020	-	-	6.65%	66 Months
Details As Low As; APR with Discount as low as*: 6.15%; Model Year: Used Auto 2018-2020 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.65% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2011-2017	-	-	6.75%	48 Months
Details As Low As; APR with Discount as low as*: 6.25%; Model Year: Used Auto 2011-2017 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2011-2017	-	-	6.85%	60 Months
Details As Low As; APR with Discount as low as*: 6.35%; Model Year: Used Auto 2011-2017 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.85% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2011-2017	-	-	6.85%	63 Months
Details As Low As; APR with Discount as low as*: 6.35%; Model Year: Used Auto 2011-2017 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.85% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Auto Loan - Used Auto 2021	-	-	7.45%	72 Months
Details As Low As; APR with Discount as low as*: 6.95%; Model Year: Used Auto - 2021 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.45% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Finger Lakes Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boats 2021 or Newer Loan	-	7.24%	48 Months
Details As Low As; APR with Discount as low as: 6.74% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Recreational Vehicle Loan	-	7.24%	36 Months
Details As Low As; APR with Discount as low as: 6.74% Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 7.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Recreational Vehicle Loan	-	7.24%	60 Months
Details As Low As; APR with Discount as low as: 6.74% Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 7.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Used Boats 2002-2020 Loan	-	7.24%	48 Months
Details As Low As; APR with Discount as low as: 6.74% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
New Boats 2021 or Newer Loan	-	7.49%	60 Months
Details As Low As; APR with Discount as low as: 6.99% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Used Boats 2002-2020 Loan	-	7.49%	60 Months
Details As Low As; APR with Discount as low as: 6.99% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
New Boats 2021 or Newer Loan	-	7.74%	72 Months
Details As Low As; APR with Discount as low as: 7.24% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Used Boats 2002-2020 Loan	-	7.74%	72 Months
Details As Low As; APR with Discount as low as: 7.24% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
New Boats 2021 or Newer Loan	-	8.24%	84 Months
Details As Low As; APR with Discount as low as: 7.74% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Recreational Vehicle Loan	-	8.24%	72 Months
Details As Low As; APR with Discount as low as: 7.74% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Used Boats 2002-2020 Loan	-	8.24%	84 Months
Details As Low As; APR with Discount as low as: 7.74% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
New Boats 2021 or Newer Loan	-	8.49%	120 Months
Details As Low As; APR with Discount as low as: 7.99% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Used Boats 2002-2020 Loan	-	8.49%	120 Months
Details As Low As; APR with Discount as low as: 7.99% Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
New Boats 2021 or Newer Loan	-	8.74%	180 Months
Details As Low As; APR with Discount as low as: 8.24%; Loan minimum: $30,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Used Boats 2002-2020 Loan	-	8.74%	180 Months
Details As Low As; APR with Discount as low as: 8.24%; Loan minimum: $30,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
New Boats 2021 or Newer Loan	-	8.99%	240 Months
Details As Low As; APR with Discount as low as: 8.49%; Loan minimum: $50,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Used Boats 2002-2020 Loan	-	8.99%	240 Months
Details As Low As; APR with Discount as low as: 8.49%; Loan minimum: $50,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Recreational Vehicle Loan	-	9.74%	84 Months
Details As Low As; APR with Discount as low as: 9.24%; Loan minimum as printed: $15,0000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.74% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Finger Lakes Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum Credit Card	-	9.90%
Details As Low As; Regular APR as low as 9.90%; Introductory rate of 0.00% APR for all purchases and balance transfers within the first 12 months from account opening Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
VISA Secured Card	-	9.90%
Details As Low As; Regular APR as low as 9.90%; Introductory rate of 0.00% APR for all purchases and balance transfers within the first 12 months from account opening Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Visa Rewards & Visa Signature Rewards	-	14.25%
Details As Low As; Regular APR as low as 14.25%; Introductory rate of 0.00% APR for all purchases and balance transfers within the first 12 months from account opening Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 14.25% → 14.25% ▼ 0.00 pts · high 19.99% / low 14.25% Oct 5, 202614.25%▼ from 19.99% Sep 21, 202619.99%▲ from 14.25% Sep 14, 202614.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Finger Lakes Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Unsecured - 12 Months Loan	6.95%	12 Months
Details APR as low as; APR with Discount as low as: 6.45% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Personal Unsecured - 24 Months Loan	7.95%	24 Months
Details APR as low as; APR with Discount as low as: 7.75% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Personal Unsecured - 36 Months Loan	7.95%	36 Months
Details APR as low as; APR with Discount as low as: 7.45% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Personal Unsecured - 48 Months Loan	7.95%	48 Months
Details APR as low as; APR with Discount as low as: 7.45% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Personal Unsecured - 60 Months Loan	8.95%	60 Months
Details APR as low as; APR with Discount as low as: 8.45% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Visa Rewards & Visa Signature Rewards	14.25%
Details As Low As; Regular APR as low as 14.25%; Introductory rate of 0.00% APR for all purchases and balance transfers within the first 12 months from account opening Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 14.25% → 14.25% ▼ 0.00 pts · high 19.99% / low 14.25% Oct 5, 202614.25%▼ from 19.99% Sep 21, 202619.99%▲ from 14.25% Sep 14, 202614.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Finger Lakes Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Escrow	0.05%	-	0.05%
Details Rates effective as of 8/1/2026; Dividend rates are variable and may change after the account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
IRA Account	0.20%	-	0.20%
Details Rates effective as of 8/1/2026; Dividend rates are variable and may change after the account is opened Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Kasasa Saver	0.75%	-	0.75%
Min Balance $0 Details Qualifications Required; Balance: $0-$50,000 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Finger Lakes Federal Credit Union’s Texas Ratio stayed near 0.84% in Q3 2023 to 0.40% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$259M	0.40%	5.0	A+
March 31, 2026	$253M	0.52%	5.0	A+
December 31, 2025	$248M	0.48%	5.0	A+
September 30, 2025	$248M	0.84%	5.0	A+
June 30, 2025	$250M	0.44%	5.0	A+
March 31, 2025	$241M	0.49%	5.0	A+
December 31, 2024	$236M	1.28%	5.0	A+
September 30, 2024	$235M	1.00%	5.0	A+
June 30, 2024	$238M	1.17%	5.0	A+
March 31, 2024	$236M	1.05%	5.0	A+
December 31, 2023	$236M	1.11%	5.0	A+
September 30, 2023	$236M	0.84%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Finger Lakes Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Finger Lakes Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Finger Lakes Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Finger Lakes Federal Credit Union

Website https://www.flfcu.org

Address 27 Seneca St, Geneva, NY 14456-3502

Phone 315-781-1334

Fax 315-781-2385

President Robert Stivers

CEO Robert McFadden

Full-Time Employees 45

Part-Time Employees 5

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.40%

Return on Assets (ROA)

0.8816%

Return on Equity (ROE)

6.0283%

Non-Performing Loans Ratio (NPL)

0.10%

Total Assets

259,479,381

Total Amount of Shares and Deposits

219,230,105

Total Shares and Deposits < 1 Year

217,794,534

Total Shares and Deposits 1 3 Years

1,354,011

Total Shares and Deposits > 3 Years

81,559

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

8,826,706

Total Uninsured Shares and Deposits > $250K (F+J)

8,826,706

Total Insured Shares and Deposits > $250K (item 17 less item K)

210,403,399

Total Interest Expense (Sum of items 6 8)

169,717

Share Certificates

278

Number of Accounts for Share Drafts

11,393

IRA KEOGH Accounts

407

Number of Accounts for Regular Shares

23,945

All other shares

319

Money Market Shares

211

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

33,020,030

Total Liabilities

223,754,396

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Finger Lakes Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Finger Lakes Federal Credit Union

Does Finger Lakes Federal Credit Union offer CDs?

Yes. Finger Lakes Federal Credit Union current CD rates include its 3 Year Three-Year CD at 1.66% APY, its 4 Year Four-Year CD at 1.66% APY and its 5 Year Five-Year CD at 1.66% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Finger Lakes Federal Credit Union NCUA insured?

Yes. Finger Lakes Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Finger Lakes Federal Credit Union?

The highest Finger Lakes Federal Credit Union CD rate is its 3 Year Three-Year CD at 1.66% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Finger Lakes Federal Credit Union offer?

Finger Lakes Federal Credit Union CD rates are 1.26% APY for a 12 month CD, 1.26% APY for an 18 month CD, 1.51% APY for a 2 year CD, 1.66% APY for a 3 year CD, 1.66% APY for a 4 year CD and 1.66% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Finger Lakes Federal Credit Union for its full lineup.

What is the highest checking rate at Finger Lakes Federal Credit Union?

The highest Finger Lakes Federal Credit Union checking rate is its Kasasa Cash Checking at 2.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Finger Lakes Federal Credit Union?

The lowest Finger Lakes Federal Credit Union 30 year fixed mortgage rate is its Fixed Rate First Mortgage/Construction - 30 Years at 7.125%, verified by MonitorBankRates as of October 29, 2026. Finger Lakes Federal Credit Union mortgage rates are 7.125% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.50% for a 15 year mortgage and 6.375% for a 10 year mortgage.

What is the lowest auto loan rate at Finger Lakes Federal Credit Union?

The lowest Finger Lakes Federal Credit Union auto loan rate is its Auto Loan - New Auto (2025 & newer) at 4.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Finger Lakes Federal Credit Union?

The lowest Finger Lakes Federal Credit Union personal loan rate is its Personal Unsecured - 12 Months Loan at 6.95% APR, verified by MonitorBankRates as of October 29, 2026. Finger Lakes Federal Credit Union personal loan rates are 6.95% APR for a 12 month personal loan, 7.95% APR for a 24 month personal loan, 7.95% APR for a 36 month personal loan, 7.95% APR for a 48 month personal loan and 8.95% APR for a 60 month personal loan.

What is the lowest credit card APR at Finger Lakes Federal Credit Union?

The lowest Finger Lakes Federal Credit Union credit card APR is its VISA Platinum Credit Card at 9.90% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Finger Lakes Federal Credit Union operate?

Finger Lakes Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Finger Lakes Federal Credit Union?

Yes, to access services at Finger Lakes Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Finger Lakes Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Finger Lakes Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Finger Lakes Federal Credit Union offer online and mobile banking?

Most modern institutions like Finger Lakes Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.flfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Finger Lakes Federal Credit Union rates compare?

Finger Lakes Federal Credit Union's CD rates are 53% lower than the MonitorBankRates national average, and it has an A+ health rating. Finger Lakes Federal Credit Union's top rates are its 3 Year Three-Year CD at 1.66% APY, its Kasasa Cash Checking at 2.25% APY, its Fixed Rate First Mortgage/Construction - 10 Years at 6.375%, its Personal Unsecured - 12 Months Loan at 6.95% APR and its VISA Platinum Credit Card at 9.90% APR, verified by MonitorBankRates on October 29, 2026.

Current Finger Lakes Federal Credit Union Rates

12-Month CD1.26%
18-Month CD1.26%
24-Month CD1.51%
60-Month CD1.66%

Retrieved from our database of financial products. Rates subject to change.

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Finger Lakes Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Finger Lakes Federal Credit Union Texas Ratio

Finger Lakes Federal Credit Union Health Trend

Finger Lakes Federal Credit Union CD Rates

Finger Lakes Federal Credit Union Savings Rates

Finger Lakes Federal Credit Union Checking Rates

Finger Lakes Federal Credit Union Mortgage Rates

Finger Lakes Federal Credit Union Home Equity & HELOC

Finger Lakes Federal Credit Union Auto Loan Rates

Finger Lakes Federal Credit Union RV, Boat and Powersport Loan Rates

Finger Lakes Federal Credit Union Credit Card Rates

Finger Lakes Federal Credit Union Personal Loan Rates

Finger Lakes Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Finger Lakes Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Finger Lakes Federal Credit Union

Does Finger Lakes Federal Credit Union offer CDs?

Are CDs from Finger Lakes Federal Credit Union NCUA insured?

What is the highest CD rate at Finger Lakes Federal Credit Union?

What CD terms does Finger Lakes Federal Credit Union offer?

What is the highest checking rate at Finger Lakes Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Finger Lakes Federal Credit Union?

What is the lowest auto loan rate at Finger Lakes Federal Credit Union?

What is the lowest personal loan rate at Finger Lakes Federal Credit Union?

What is the lowest credit card APR at Finger Lakes Federal Credit Union?

How many branches does Finger Lakes Federal Credit Union operate?

Is a member application needed to join Finger Lakes Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Finger Lakes Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Finger Lakes Federal Credit Union rates compare?

Current Finger Lakes Federal Credit Union Rates

Compare to Other Credit Unions