More Affordable Vehicle Loans - From April 1 - May 31 2008
As a Finger Lakes Federal Credit Union member, saving you money is our top priority. When you finance your vehicle at our low interest rates of 4.99% APR* for New Vehicles with a term of 60 months and 5.35% APR* for Used Vehicles with a term of 60 months, you’ll enjoy low monthly payments, and more! Refinance! Ask us how you could receive .25% off* our already low rates during the period of May 19 - 26, 2008! Apply today! Simply stop by the Credit Union or apply online. Enjoy the savings! You could win a $100 Gas Card!**
*APR = Annual Percentage Rate. The Credit Union reserves the right to change any conditions of these programs, or to withdraw them, without prior notice. Borrowers must qualify for loan. New money only. Please check with a Member Service Representative for membership eligibility requirements. Not a member? Join today!
**Odds of winning $100 Gas Card will vary according to the number of entries received by the entry deadline of end of business on June 5, 2008. Grand Prize winner will be selected on June 9, 2008. (1) $100 Gas Card to be awarded per branch. No purchase necessary to win. Contact the Credit Union to complete giveaway details.
Our Personal Loans are a flexible way to afford just about anything ~ new furniture, a pool in your backyard, or other home upgrades. During the months of April and May, we are offering affordable rates of 9.99% APR* for Personal Unsecured Loans and 8.99% APR* for Personal Secured Loans with loan amounts of $500 to $15,000 and terms from 12 to 60 months. Hurry, this offer ends May 31, 2008! Stop by the Credit Union and meet with a Loan Representative or apply online today.
*APR = Annual Percentage Rate. The Credit Union reserves the right to change any conditions of these programs, or to withdraw them, without prior notice. Borrowers must qualify for loan. New Money Only. Please check with a Member Service Representative for membership eligibility requirements. Not a member? Join today!
Mortgages
Whatever your Mortgage needs ... Finger Lakes Federal Credit Union is here for you.
FLFCU Opens the Door to Many Mortgage Benefits
- Simple, easy, member-friendly pre-qualification and pre-approval process
- Funds are available at competitive interest rates, limits, and terms
- Easy automatic loan payments - your payment will always be made on time
- Knowledgeable, friendly people that you can trust to help you through the loan process
- No penalty for paying off your loan ahead of schedule
- Convenience of keeping all your finances at one location
- Full disclosure of all terms and conditions
THERE'S MORE for FIRST TIME HOME BUYERS! Effective May 1, 2006, FLFCU is proud to offer Freddie Mac's Home Possible Mortgages that provide options to meet the needs of our members, including: flexible credit terms and low down payments, for as little as $500 you can own a home!
Contact a Loan Representative today for current rates and details.
The Credit Union reserves the right to change any conditions of this program, or to withdraw it, without prior notice. Membership eligibility is required to join. Not a member? Join today! Borrowers must qualify for loan. New Money Only.
Membership / Services
FLFCU Membership ~ YOU FIT RIGHT IN! FLFCU is a great place to belong. When you join FLFCU, you're more than a customer, you're a member. In fact, you're more than a member ~ you are a co-owner of our unique financial institution. As an owner, you're entitled to a variety of money-saving products and services. So why not make the switch to FLFCU today! We offer:
- Money-Saving Financial Products ~ Share Draft (Checking) Account and VISA Credit Cards
- Individualized Low-Cost Loan Programs ~ Auto, Boat, Personal, Recreational Vehicle, and More!
- Various New Home and Home Improvement Loans
- Appealing High-Yield Accounts ~ IRAs, Term Share Certificate Accounts (Certificate of Deposits), and Money Market Accounts
- Convenient VISA Check/Debit Card and ATM Network
- Special Savings Club Accounts ~ Holiday and Summer Club Accounts and Youth Program
- Convenient Automated Services ~ Access 24/7 through ATM, Phone (Audio Response System), or Online (CU 24/7 Online Banking)
- Hassle-Free Payroll Deduction / Direct Deposit
- Travelers Checks and Money Orders
At FLFCU, it's your time and needs that matter most. Be a part of it all! Turn to us for all your financial needs. That's why we have redefined the ease and speed of switching to better banking. Simply choose the services you want, contact a FLFCU Member Service Representative at a branch nearest you, and complete the necessary application forms. We look forward to hearing from you! The Credit Union reserves the right to change any conditions of these programs, or to withdraw them, without prior notice. $5.00 and Photo ID are required when opening account. Membership eligibility is required to join. Not a member? Join today! Borrowers must qualify for loan. New Money Only.
FLFCU Share Draft (Checking) Account ~ CHECKING AT THE SPEED OF LIFE
Swipe, Write, Click, or Call ~ the choice is up to you!
Switching to FLFCU Checking is a Breeze!
At FLFCU, we offer Checking Accounts* by offering the features you want most ~ because every minute counts:
- No minimum balance requirement!
- No monthly service fees!
- Free Direct Deposit
- Overdraft Protection (Line of Credit)*
- Time-Saving Automatic Payments
- Numerous Check Designs (order online!)
Make the connection any time, any where with our 24-hour services:
- Nationwide ATM Account Access
- FREE VISA Check/Debit Card
- FREE CU 24/7 Online Banking
- Online Bill Payer Service (absolutely FREE!)
- Anytime Account Access with Audio Response ~ Call Local to Geneva (315) 719-0142 or Long Distance (800) 270-2130 to access your account 24 hours a day
Open your FLFCU Checking Account today! CONTACT a Member Service Representative Service Member today for futher details.
* Members must qualify for Checking Account. The Credit Union reserves the right to change any conditions of these programs, or to withdraw them, without prior notice. Membership eligibility is required to join. Not a member? Join today! Borrowers must qualify for loan.
Switch for better banking at Finger Lakes Federal Credit Union. Make an easy change ... and simplify your finances! We have redefined the ease and speed of switching to better banking.
How easy? You choose the services you want, complete the express forms in just minutes, and then let us do our job. In no time, we'll have you into better banking by helping you:
- Open Accounts
- Change Payroll & Direct Deposits
- Change Automatic Payments
- Close and switch accounts from other financial institutions
Contact a FLFCU Member Service Representative at a branch nearest you today for your " Switch Kit?.< P>
The Credit Union reserves the right to change any conditions of these programs, or to withdraw them, without prior notice. Membership eligibility is required to join. Not a member? Join today!
CHECK OUT FLFCU'S TERM SHARE CERTIFICATE PROGRAM!
FLFCU offers flexible terms and impressive dividends on CDs. You may choose affordable amounts for a specific period of time (choose a minimum deposit of $500; deposits of $10,000 or more earn a higher yield.) Prior to maturity, contact our Member Service Representative to receive another high-yield Certificate.
Watch your investments grow with FLFCU's Term Share Certificates (CDs):
- Low minimum opening deposit requirements
- Competitive rates
Check out the special promotional rates on our Term Share Certificates!
- 9-Month Add On Certificate ~ 2.68% APY* (minimum deposit of $500) and 2.79% APY* (minimum deposit of $10,000).
Stop in today for further details!
*APY = Annual Percentage Yield. Dividend Rate and APYs are accurate as of May 9, 2008. These special offering rates may be withdrawn or subject to change without prior notice. Other rates and terms available. Early withdrawal penalties may apply. Please check with a Credit Union Member Service Representative for Membership Eligibility Requirements. Not a Member? Join Today!
Tiered Money Market Account
Watch your investments grow with a FLFCU Tiered Money Market Account. Have you built a substantial amount of savings? Then a Money Market Account may be right for you. It is an excellent account in which to put your emergency reserves, or to park money you plan to invest later. There are monthly withdrawal limits, but beyond that, our Money Market Accounts work just like a regular Share Savings Account. Your money is easily accessible. When you meet a higher minimum balane, you will earn more money! You may choose your minimum opening deposit balance:
1.21% APY* ($2,500 minimum opening deposit balance)
1.71% APY* ($10,000 minimum opening deposit balance)
1.97% APY* ($25,000 minimum opening deposit balance).
Dividends will be paid weekly. When you shop and compare, we think you'll find FLFCU's Tiered Money Market Accounts to be an appealing option. Contact a Member Service Representative today for further details!
*APY = Annual Percentage Yield. Dividend Rate and APYs are accurate as of May 9, 2008. The dividend rate and APY for Money Market Accounts may change weekly as determined by the Credit Union's Board of Directors. These special offering rates may be withdrawn or subject to change without prior notice. Other conditions may apply. Minimum withdrawals on Money Market accounts must be $500. Please check with a Credit Union Member Service Representative for Membership Eligibility Requirements. Not a member? Join today!
FLFCU VISA CHECK / DEBIT CARD
Unleash your purchasing power with a FLFCU VISA Check / Debit Card. If you have a FLFCU Checking Account, we can also help you sign up for extra convenient services that will make it easier to manage your day-to-day finances.
FLFCU VISA Check / Debit Card Conveniences:
- Safer than cash and easier than checks
- Looks like a VISA Credit Card, works like a Check
- Welcome everywhere VISA is accepted
- Flexibility of making purchases directly from your checking account
- No more hassles of trying to pay by check
- Your purchase is paid for instantly ~ amount of your purchase is deducted from your checking account with no finance charges
- 24-hour account access to your cash ~ use your Check / Debit Card as an ATM Card ~ look for the VISA logo at your nearest ATM
It's easy to apply for your free VISA Check / Debit Card. Simply contact a FLFCU Branch Member Service Representative and request an application form. Apply today!
The Credit Union reserves the right to change any conditions of these programs, or to withdraw them, without prior notice. Membership eligibility is required to join. Not a member? Join today!
InfoLinkPlus ~ A New FLFCU VISA Credit Card Service
FLFCU is pleased to introduce a new way for you to check the status of your FLFCU VISA Credit Card accounts. You can now go to FLFCU's web site and click the "Credit Card" link to register your FLFCU VISA Credit Card accounts. Once you register an account, you can immediately begin to view vital information about your account, any time of day, from the convenience and security of your own computer. All you need is a connection to the Internet. (Of course, you can still get information and service on your accounts by calling FLFCU.) This new web-based credit card information service lets you view transactions from your last three statements, check your account balance, available credit, next payment date, and amount due. And now with the new Pay My Bill service, you can even pay your credit card bill online! Best of all, there is no charge to you, the member, for getting your account data over the Internet. Try this new service today!
The Credit Union reserves the right to change any conditions of these programs, or to withdraw them, without prior notice. Membership eligibility is required to join. Not a member? Join today!
FLFCU VISA Gift and Travel Cards are here!
The New VISA Gift Card is available now! Gift giving just got easier! Now you can give your friends and family the gift they really want. A secure, prepaid card they can use to make purchases at millions of merchants who accept VISA debit cards. It's the most flexible gift you can give! (Use of the Gift Card is subject to Terms and Conditions. Card issued by MetaBank, Sioux Falls, SD.)
The America's Credit Unions VISA TravelMoney Card ~ The smarter, more convenient way to access your travel money. Now members can make purchases at millions of VISA debit merchants or withdraw local currency from over 1 million ATMs worldwide when traveling.
- A great alternative to travelers cheques.
- Reloadable, with the security of PIN and signature protection.
- Access your money quickly and securely.
(Use of the VISA TravelMoney Card is subject to Terms and Conditions. Issued by MetaBank, Sioux Falls, SD.)
The Credit Union reserves the right to change any conditions of these programs, or to withdraw them, without prior notice. Membership eligibility is required to join. Not a member? Join today!
Check 21 ~ Speeds Checking, Sinks Your Float
As a result of a new federal law, you'll enjoy less "float" - that time between the day you write a check and the day the money is removed from your account. Effective October 28, 2004, the Check Clearing for the 21st Century Act or "Check 21" will bring the nation's check payment system into the digital age and allow consumers to benefit from better and faster financial services. So long to cancelled paper checks. See Insert provided to you in your September quarter-end statement to see how it will affect you or contact a Member Service Representative for further details.
IMPORTANT NOTICE ~ Fair and Accurate Credit Transactions Act (FACT Act)
On December 4, 2003, President Bush signed into law the Fair and Accurate Credit Transactions Act (FACT Act), which amends the Fair Credit Reporting Act. The FACT Act makes permanent several existing preemption provisions that were scheduled to expire on January 1, 2004, and includes various new preemptions that are related to identity theft prevention and mitigation. The FACT Act amendments are intended to combat identity theft, increase the accuracy of consumer reports, and allow consumers to exercise greater control over marketing solicitations they receive.
Effective December 1, 2004, we may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report
