LOAN PRODUCTS
Finger Lakes Federal Credit Union has our member's needs as our first priority. As your Credit Union, we are here to provide you with money-saving loan products designed with your lifestyle in mind. We offer a full line of loan products including Auto, Personal, Home Improvement Loans, Credit Card, or even a Line of Credit. Our Real Estate Loans will accommodate your needs in case you are buying a home, building a home, or refinancing a home. We also provide financing for certain rental properties.
As a member and part owner of the Credit Union, you can look forward to assistance from our friendly Loan Officers, who strive to help you save money every day. 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 Checking with Direct Deposit and/or establishment of an automatic payment feature for any new loan. Check with a Loan Representative today for details.
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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!
Free Annual Credit Reports
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies - Equifax, Experian, and Trans Union - to provide you with a free copy of your credit report, at your request, once every 12 months.
A credit report contains information on where you live, how you pay your bills, and whether you've been sued, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.
Why should you request a credit report? Because you should be sure the information is accurate and up-to-date. In addition, monitoring your credit is one of the best ways to spot identity theft. Check your credit report at least once a year to correct errors and detect unauthorized activity.
You can order your free annual credit report online at www.annualcreditreport.com, by calling 877-322-8228, or by completing the Annual Credit Report Request Form (PDF) (you may also print it from the Federal Trade Commission's (FTC) web site www.ftc.gov/credit and mailing it to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281. You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order from only one or two. When you order, you will need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.
A Warning about "Imposter" SitesThe FTC advises consumers who order their free annual credit reports online to be sure to correctly spell www.annualcreditreport.com, or link to it from the FTC's web site to avoid being misdirected to other web sites that offer supposedly free reports, but only with the purchase of other products. While consumers may be offered additional products or services while on the authorized web site, they are not required to make a purchase to receive their free annual credit reports.
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!
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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.
