Please scroll down to locate the Product you are interested in

Finger Lakes Federal Credit Union has our member’s needs as our first priority. We offer diversified loan products that meet all of the needs of our members. As well as standard consumer loan products such as Auto, Personal, and Home Improvement Loans, you’ll find us ready to offer you a Credit Card, or even a Line of Credit. Our Real Estate Loans not only will accommodate your needs as you shop for a new home, but you also have a multiple choice on which Home Equity product suits you best.

The Loan Department researched many different options of delivering faster and easier service to our members. The results ~ Open End Lending, it’s convenience – plus! We added a lending program called the Loanliner system. Loanliner is a documentation package that allows our membership the luxury of filling out one set of initial loan documents for all of their present, and future consumer loan needs. You will no longer be required to come in and fill out new paperwork every time you desire to apply for a loan. After completion of the original agreement, you may phone in, mail, or e-mail your future loan requests, and the processing will begin!

If all that is not enough, we’ll reward you for doing business with us. Certain loans qualify for a “Member Discount”. Members may qualify for a discount on the interest rate of their loan based on other services they currently are enrolled in. A member may receive .25% off their interest rate, up to a maximum of .50%, for enrollment in the many services in which the Credit Union offers. Please note that principal payments cannot be made when making payments online. Check with a Loan Representative today for details.

Click here for Loan Calculator

The Credit Union reserves the right to change any conditions of these programs, or to withdraw them, without prior notice. Must be a FLFCU Member to apply for loan. Please check with a Credit Union Member Service Representative for Membership Eligibility Requirements. Not a Member? Join Today! Borrowers must qualify for loan.

Secured Loans:

Home Equity Products - Enjoy your home for all it’s worth…for whatever you want! You can enjoy your home for all it’s worth by using your equity to make value-boosting home improvements; take a memorable family vacation; buy a new car, pay college tuition; or consolidate high-interest debt. The equity you have built up in your home is probably the most valuable financial asset you have. Equity is the difference between the present market value of your home and the total of any outstanding mortgages and other liens. If you have been a homeowner for several years, there’s a good chance that you have more equity in your home than you might realize. As the market value of your home increases, so does your equity. That’s important because your home’s equity can be used as collateral for low-cost equity financing. FLFCU offers a variety of Home Equity Products to suit all of our member’s individual needs such as Home Equity Line of Credit (Variable), Home Equity Closed End Loan, and Fixed Rate Home Equity – Use a Home Equity Loan instead of higher-interest credit cards for large purchases and save big. Here’s an easy, affordable way to finance any or all of your dreams. The money you need to realize your dreams is right where you live – in your home. Not sure what you qualify for???
Click here to find out with our quick and easy Home Equity Pre-qualification Process!!!!

Home Improvement – Provides membership with a loan to permanently improve the home or property with loan amount up to $15,000 and terms from 12 to 60 months.

New and Used Auto Loans – Finance a new or used car, truck, or van at FLFCU and you’ll get affordable rates, flexible terms from 12 to 72 months, and fast, friendly service. We provide you with the convenience of getting a loan where and when you need it. Plus, with a FLFCU Auto Loan, you have the confidence of knowing you received one of the best rates available. Maximum loan amount not to exceed retail value of vehicle as listed in the NADA Book. Take the fast lane to your next auto loan with FLFCU.

Recreational Vehicle (New and Used) – Sometimes fun means an investment in that ATV, Snowmobile, Camper, Travel trailer, Motorcycle, or other new toy. FLFCU can save you money if you’re thinking about a Recreational Loan. We offer loan amounts of $500 to $20,000 and terms from 12 to 60 months. Maximum loan amount $20,000.

Boat (New and Used) – Thinking about your dream boat? Wondering how long it will be before you have enough cash stowed away to buy it? No need to wait! Let FLFCU float you a boat loan with loan amounts of $500 to $20,000 and terms from 48 to 84 months. So, whether you’re dreaming about a canoe or a yacht, a sailboat or a speedboat, we’ll help put you at the helm sooner than you thought!

Personal – Whether you’re in need of new furniture or a pool in your back yard, see us for a personal secured loan at a preferred rate over unsecured with loan amounts of $500 to $15,000 and terms from12 to 60 months. We also provide membership with personal unsecured loans without collateral with loan amounts of $500 to $15,000 and terms from 12 to 60 months.

CU Advantage - Personal Line of Credit
FLFCU wants to provide you with a loan at any moment of the day!  Our Personal Line of Credit, called CU Advantagessh -l tood, will allow you to decide when you want a loan and write yourself a check on the spot!  By having this line of credit, you'll receive loan checks that you can use up to the dollar amount of your approved line.  CU Advantage Lines of Credit can be up to $10,000 with no maturity date. 
Contact a FLFCU Loan Representative for further details.

Motor Homes (New and Used) – If you’re looking for a motor home, come to FLFCU. We offer financing on motor homes with terms from 48 to 84 months.

Mobile Home [Mobile Home] (New and Used) – FLFCU provides membership financing for ownership in a mobile home with minimum loan amount of $500 and terms from 12 to 180 months for new mobile homes, and 120 months for used mobile homes.

Mortgage – FLFCU offers picture perfect Mortgage Loans to fit your life. Whether you’re a first time buyer, moving up to a bigger home, or refinancing your existing mortgage, FLFCU has the mortgage loan to fit your life. At FLFCU, members’ needs come first - you’re dealing with people who are looking out for your best interest. We will work with you to make sure you’re getting the right loan for you. We have diversified choices right here for you: Conventional Mortgage; Construction Mortgage; Refinancing of an Existing Mortgage; Fixed and Adjustable Rates; with terms for up to 30 years.
NOT AVAILABLE AS AN ONLINE APPLICATION

VISA Credit Card – You’ll love our low rates, greater purchasing power, money saving balance transfers, and global acceptance. Get the credit you deserve. Open your FLFCU Credit Card account and start loving all of these benefits. We offer VISA Classic, VISA Platinum, and VISA Secured cards. Our philosophy behind our credit card has always been simple. Offer a variety of benefits members want, competitive fixed interest rate, and no annual or transaction fees! For instructions on how to report a lost or stolen card, contact PSCU Customer Service at 1-800-449-7728.

The mailing address for your VISA payment has changed to PO Box 41769, Philadelphia, PA 19101-1769. If you subscribe to a bill-payment service, please notify them immediately of the new address. To expedite the processing of your payment, please mail your payment to the new address.

(credit line up to $5000) (credit line over $5000)

Share Secured – FLFCU provides membership a personal loan with a preferred rate over unsecured with loan amounts of $500 and up to 100% of share deposit with terms up to 60 months.

Share Certificate Secured – FLFCU provides membership a personal loan with a preferred rate over unsecured with maximum loan amounts of $500 to $20,000 and terms up to 24 months.

Overdraft Line of Credit – Provides membership with protection against overdraft of a share draft (checking) account with loan amounts of $500 to $15,000.

Debt Consolidation – If you are drowning in debt, FLFCU will keep you afloat with a Debt Consolidation Loan. We will provide membership with financing means to consolidate debts with loan amounts of $500 to $15,000 and terms from 12 to 60 months. It will payoff your high interest rate bills and makes your debt load more manageable.

Holiday (Offered each year, November – January) – Be in control during the holiday season with a Holiday Loan. This is an excellent time to finance your holiday shopping, vacation, or bills. Apply for some extra cash and avoid financial worries. FLFCU offers low rates for up to 12 months.

Time and Demand Notes – Provides membership with temporary financing over a short term with loan amounts of $500 to $10,000 and terms of up to 90 days.

Government insured Student Loans and Parent Plus Loans – All applicable loans through the Federal Family Education Loans, servicing provided from the Credit Union Network and Great Lakes Higher Education Corporation. Provides membership with loans for educational purposes.
NOT AVAILABLE AS ONLINE APPLICATION

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents, and make a copy of the document verified for our records.