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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Finger Lakes Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 26, 2026
Finger Lakes Federal Credit Union's 12-Month CD rates are at 0.80%, 18-Month CD rates are at 0.80%, 6-Month CD rates are at 0.55%, 9-Month Add-On CD rates are at 0.55%, 3-Month CD rates are at 0.50%. Finger Lakes Federal Credit Union's money market rates are at 0.40%. Finger Lakes Federal Credit Union's Fixed Rate First Mortgage/Construction rates are at 5.25%, Fixed Rate First Mortgage/Construction rates are at 5.25%, Fixed Rate First Mortgage/Construction rates are at 5.38%, Fixed Rate First Mortgage/Construction rates are at 5.38%, Fixed Rate First Mortgage/Construction rates are at 5.50%. Finger Lakes Federal Credit Union's Personal Loan Rates are at 6.95%. 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 0.86%. Rates were last updated on 03/26/2026. 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. Finger Lakes Federal Credit Union
Main Office 27 Seneca 27 Seneca St
https://www.flfcu.org Geneva, NY 14456 3502 
Finger Lakes Federal Credit Union CD Rates
Finger Lakes Federal Credit Union Savings Rates
Finger Lakes Federal Credit Union Money Market Rates
Finger Lakes Federal Credit Union Mortgage Rates
Finger Lakes Federal Credit Union Home Equity & HELOC
Finger Lakes Federal Credit Union Credit Card Rates
Finger Lakes Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
44
Part-Time Employees
1
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.86%
Return on Assets (ROA)
1.5243%
Return on Equity (ROE)
10.9493%
Non-Performing Loans Ratio (NPL)
0.19%
Total Assets
248,252,608
Total Amount of Shares and Deposits
209,912,075
Total Shares and Deposits < 1 Year
208,257,688
Total Shares and Deposits 1 3 Years
1,457,605
Total Shares and Deposits > 3 Years
196,782
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,236,283
Total Uninsured Shares and Deposits > $250K (F+J)
8,236,283
Total Insured Shares and Deposits > $250K (item 17 less item K)
201,675,792
Total Interest Expense (Sum of items 6 8)
228,523
Share Certificates
310
Number of Accounts for Share Drafts
11,034
IRA KEOGH Accounts
422
Number of Accounts for Regular Shares
23,906
All other shares
323
Money Market Shares
196
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
21,993,649
Total Liabilities
215,768,195
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Finger Lakes Federal Credit UnionIs Finger Lakes Federal Credit Union a safe place to deposit money?Yes, Finger Lakes Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.86334186269559%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Finger Lakes Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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