Improve Your Home For Less during the months of July - August.  Renovate your home with a low interest rate loan!  Enjoy Home Loan Savings with our Fixed Rate Home Equity Loans with a Fixed Rate of 5.75% APR* for Up to 120 Months and 6.75% APR* for a Fixed Rate for Up to 180 Months.  We're offering an Introductory Rate of 3.99% APR* for Home Equity Line of Credit.

Finger Lakes Federal Credit Union makes it affordable to borrow against your home's equity.  Use the funds for home renovations, such as a new deck or kitchen upgrades.  Plus, the interest you pay may be tax-deductible!*

You Could Win A Gas Grill!**  When you apply for your home loan, you will receive one entry into our sweepstakes to win a brand-new GOLD UniFlame Outdoor LP Gas Barbeque Stainless Steel Grill!

Applying is easy!  Contact a Loan Representative at a branch nearest you or apply online!

*APR = Annual Percentage Rate.  Rates and terms are subject to change.  Promotional rates are valid if you apply and are approved during the months of July - August.  Home Equity Line of Credit rate shown is an introductory rate for qualified applicants only.  Rate is in effect for the first six billing cycles.  A variable rate applies thereafter.  Variable rate is based on the Prime Rate as published in The Wall Street Journal.  Consult your tax advisor for tax-deduction eligibility.  The Credit Union reserves the right to change any condition of this program, or to withdraw it, without prior notice.  All offers good July 1 - August 31, 2008.  Contact the Credit Union for complete details.  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 Grand Prize Gas Grill will vary according to number of Home Equity Loan, Home Equity Line of Credit, and Mortgage entries received by the entry deadline of August 31, 2008.  Grand Prize winner will be selected on September 8, 2008.  Contact the Credit Union for complete giveaway details.

Home Improvement Loans

Are you thinking about improving your kitchen or bathroom? Would you like to add a new room or a deck? If you have not yet accumulated much equity in your home, or if you prefer not to borrow against your home’s equity, our Home Improvement Loan can help you make the renovations you want. FLFCU will offer Home Improvement Loans during the months of June – August at a fixed rate of 6.50% APR* for a term of up to 60 months. Apply today! Stop by the Credit Union or apply online.

*APR = Annual Percentage Rate. The Credit Union reserves the right to change any condition of this program, or to withdraw it, without prior notice. Contact the Credit Union for complete details. Borrowers must qualify for loan. New Money Only. Please check with a Credit Union Member Service Representative for membership eligibility requirements. Not a member? Join today!

Mortgages

Save on your Mortgage.  Our competitive loan rates will lower your monthly payments.

FLFCU Mortgages Offer:

• Assistance From Friendly, Knowledgeable Loan Staff
• Low Fixed & Adjustable Rate Programs
• Terms Up to 30 Years
• Low Down Payment Option
• Simple Application Process
• No Tricky Fine Print

Apply Today - You Could Win a Gas Grill!*  Contact a Loan Representative today for current rates and details.

*Odds of winning Grand Prize Gas Grill will vary according to number of Home Equity Loan, Home Equity Line of Credit, and Mortgage entries received by the entry deadline of August 31, 2008.  Grand Prize winner will be selected on September 8, 2008.  Contact the Credit Union for complete giveaway 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.       

Special Low VISA Credit Card Rate

During the period of July 18, 2008 - September 16, 2008, all new or existing FLFCU VISA Platinum or Classic Credit Card holders will receive our promotional rate of 6.99% APR* for purchases only during this period.  Members will receive this rate for 12 billing cycles. 

You can use your card for:

• Vacation Expenses
• Back-To-School Costs
• Special Gifts For Friends & Family
• And More!

Learn More ~ Contact a FLFCU Loan Representative at a branch nearest you for further details.  Don't miss out on this special offer!

*APR = Annual Percentage Rate.  This promotional rate is for purchases only.  Convenience Checks and Cash Advances do not apply.  Member's existing balances and all other subsequent transactions after the promotional period will be subject to the current respective rate of 9.90% APR for VISA Platinum or 12.90% APR for VISA Classic.  All existing penalties still apply.  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!

VISA Skip-A-Payment & Have More Fun!

Attention all VISA Credit Card holders!  FLFCU is here to help you with your summer or vacation needs.  You may skip your August 2008 credit card payment and save the cash for travel or back-to-school expenses.  Contact a Loan Representative for further details and eligibility requirements.

* Finance charges will continue to accrue at the normal rate.  The Credit Union reserves the right to change any conditions of these programs, or to withdraw them, without prior notice.   Please check with a Member Service Representative for membership eligibility requirements.  Not a member?  Join today!

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 WITH YOUR NEEDS IN MIND

Our Convenience services make accessing your money even easier.    

Take Advantage Of:

• Direct Deposit
• VISA Check/Debit Card
• Online Banking

24/7 Services You Can Trust ~ Open a Share Draft (Checking) Account* at Finger Lakes Federal Credit Union to enjoy convenience without the cost. 

• No Minimum Balance Requirement
• No Per-Check Or Per-Deposit Charges
• No Monthly or Maintenance Fees
• And Much More!

Plus, your first box of duplicate checks - a $15 value - is free!   Open a Share Draft (Checking) Account - You Could Win a $100 Gas Card!**  Hurry, contest ends September 15, 2008. 

Stop by a branch nearest you to learn more today!

* Members must qualify for Checking Account.  **Odds of winning one of three $100 Gas Cards will vary according to the number of entries received by the entry deadline of 09/15/08.  Three Grand Prize winners (one awarded per branch) will be selected on 09/22/08.  Contact the Credit Union for complete giveaway details.  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!   

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?.

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!

• One-Year Certificate ~ 2.78% APY* (minimum deposit of $500) and 2.88% APY* (minimum deposit of $10,000).

Stop in today for further details!

*APY = Annual Percentage Yield. Dividend Rate and APYs are accurate as of July 15, 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 balance, 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 July 15, 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 Travel and Gift Cards

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.)

Our VISA Gift Cards are available in values of $10 - $500, issued by RBS Lynk.

Stop by a branch nearest you today for your travel or gift card!

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.  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