Finger Lakes Federal Credit Union Rates and Review February 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.
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Finger Lakes Federal Credit Union's 5 Years Five-Year CD rates are at 1.50%, 4 Years Four-Year CD rates are at 1.50%, 5 Years IRA CDs Five-Year rates are at 1.50%, 4 Years IRA CDs Four-Year rates are at 1.50%, 3 Years IRA CDs Three-Year rates are at 1.50%. 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 5.00%, Fixed Rate First Mortgage/Construction rates are at 5.12%, Fixed Rate First Mortgage/Construction rates are at 5.12%, Fixed Rate First Mortgage/Construction rates are at 5.25%, Fixed Rate First Mortgage/Construction rates are at 5.25%. Finger Lakes Federal Credit Union's Personal Loan Rates are at 6.95%.
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 by leaving a review below, or read customer reviews before you decide to use . Finger Lakes Federal Credit Union Texas RatioFinger Lakes Federal Credit Union's Texas Ratio is at 0.86%, which is considered excellent. The Texas Ratio for Finger Lakes Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Finger Lakes Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Finger Lakes Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Finger Lakes Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Finger Lakes Federal Credit Union
Main Office 27 Seneca 27 Seneca St
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 Student Loan Rates
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 & OverviewCredit Union Name: Finger Lakes Federal Credit Union
Website: https://www.flfcu.org
Full Time Employees: 44Part Time Employees: 1 President: Robert Stivers CEO: Robert McFadden Branch Locations: 4 ATM Locations: 4 Corporate Office Address:
27 Seneca St
Geneva, NY 14456 3502 Phone Number: 315-781-1334 Fax Number: 315-781-2385 FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsPjpI
December 17, 2025
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Frequently Asked Questions About Finger Lakes Federal Credit UnionIs 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. Is there a first-time homebuyer program?Currently, Finger Lakes Federal Credit Union provides a range of mortgage and home equity products. Is Finger Lakes Federal Credit Union a safe place to deposit money?Yes, Finger Lakes Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Finger Lakes Federal Credit Union offer online and mobile banking?Most modern institutions like Finger Lakes Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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