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Special Promotions


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Auto Rates are Falling!

Auto Loans
With Auto Loan rates starting as low as 2.24% APR* for 48 months, now is the time to apply.

Getting pre-approved today is quick and easy using our convenient online application. Even if you don't know the vehicle you are going to buy, our online application only takes a few minutes to complete and we will let you know within 1 business day if you qualify.


  • Fixed Rate & Payment
  • Terms up to 120 months
  • No prepayment penalties
  • Quick application process, find out if you qualify today!


Let us help you get the vehicle you have been dreaming of by contacting us today .

Apply Now

*APR = Annual Percentage Rate. Stated 2.24% APR applies to a new vehicle loan with a term of 36 months, direct deposit, and automatic payments. Payments on a loan with a 36 month term at 2.24% APR would be $28.75 per $1,000 borrowed. Stated rate applies to the highest credit score pricing tier. Rates vary upon credit score. Rates and terms vary based on model year of vehicle, term of the loan, and amount financed. Other rates and terms are available. Vehicle loans refinanced from other financial institutions are eligible for this special offer, however existing FLFCU auto loans are not eligible for refinancing. The Credit Union reserves the right to change any conditions of these programs, or to withdraw them, without prior notice. Contact a Loan Representative at a branch nearest you for an application or apply online at See Member Service Representative for membership eligibility requirements. Not a member? Join today!

This Credit Union is federally insured by the National Credit Union Administration.

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Refinance & Save!

Save money on your Mortgage by refinancing with the Finger Lakes Federal Credit Union. Let us help you find the options available to you. You could save money by refinancing with our low fixed interest rates. Pay off you loan sooner. Lower your monthly payment. Discover the possibilities today


  • Quick Turnaround
  • Local Decision Makes
  • Easy Online Application
  • Competitive Rates & Closing Costs


Call or Make an Appointment and we'll show you how!

Apply Now

*APR = Annual Percentage Rate. Advertised rate is for a 10-year Fixed Rate mortgage effective 09/16/2020. All loans are subject to credit approval and Credit Union policies and procedures. Property must be located within the Credit Union’s lending area. Advertised Rate and APR (Annual Percentage Rate) is based on a 80% loan to value. A $150,000 loan with an Annual Percentage Rate of 2.724% and a 120-month term would have a payment of $1429.38 per month (does not include escrow). Rates, terms, and conditions are subject to change without notice prior to settlement. Borrowers are subject to closing costs. Consult your tax advisor regarding deductibility of interest.

An Equal Housing Lender. This Credit Union is federally insured by the National Credit Union Administration. NMLS #(493624)

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Finger Lakes Federal Credit Union has the HELOC made to fit your needs!

Home Equity Line of Credit
Use your home's equity to fund the important things in life. Our exclusive low fixed introductory rates are now starting as low as 2.49% APR* for 12 months. After the introductory period the variable rate will be determined by the Prime Rate minus .25% APR*

We offer competitive rates on home equity loans, to help you finance what's important to you. With low rates and flexible terms our team can provide guidance, tailored to your unique financial picture and work to find repayment terms that will fit your needs. 

  • Flexibility to draw funds as needed. Open end revolving line of credit.
  • No Closing Costs or Annual Fees
  • Borrow up to 85% of your Home's Equity
  • Flexible Repayment Terms


Discover the possibilities, and contact us today 

Apply Now

*APR (Annual Percentage Rate). Rate is accurate as of 4/10/2020. The introductory rate is fixed at 2.49% for the first 12 months. After 12 months, the loan will be a variable rate based on Prime minus .25% with a floor of 3.00% for the remainder of the loan. The maximum (ceiling) APR is 16%. The rate will be based on the Prime Rate as published in the Wall Street Journal. Loan to Value (LTV) of 85% or below. This is only available for personal use when secured by a single family owner occupied dwelling. Property Insurance and flood insurance if applicable, is required. The Credit Union will pay the initial closing costs on this HELOC, however if the line is closed and discharged for any reason within the first 36 months, you will reimburse FLFCU for all third party closing costs paid on your behalf at closing. Rates subject to credit and property approval. The Credit Union reserves the right to change any conditions of these programs, or to withdraw them, without prior notice. Other restrictions and limitations may apply. New money only. Consult a tax advisor regarding the deductibility of interest. Contact us for membership eligibility requirements. An Equal Housing Lender. Limited time offer. This Credit Union is federally insured by the National Credit Union Administration. NMLS ID 493624.

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ScoreCard® Rewards

We want you to get the most out of your credit union membership. Now just by using your Finger Lakes FCU VISA Credit Card or Debit Card you will earn points that you can redeem for top name brand merchandise and more with every dollar you spend thanks to our new ScoreCard® Rewards program. There is nothing extra you need to do!  With your Finger Lakes FCU VISA Credit or Debit Card you are automatically enrolled in our free ScoreCard® Rewards program. 

Earn points when you use your FLFCU card to make every day purchases. You can then accumulate points and redeem them for:

  • Top name brand items
  • Vacation getaways
  • Airfare, hotel and car rentals
  • Valuable services
  • And more


How it Works

If you already have a FLFCU VISA Credit or Debit Card, there is nothing you need to do. Use your card to start earning rewards today. Online ordering is available 24/7 and shipping is free. Expedited shipping is available at an additional point cost. Click here for a PDF of FAQs regarding the ScoreCard® program.

Don't have a FLFCU VISA Credit Card? The time to apply is now. Need a FLFCU Debit Card? Contact us or stop by a branch near you. Combine the benefits of low rates with the perks of ScoreCard® Rewards

Using Your ScoreCard Points

To keep track of your points go to the ScoreCard® Rewards website and create your own unique login. There you can combine points with other members of your family, check out current promotions that can earn you extra points and choose your rewards. Click the button below to login today.

ScoreCard Rewards

ScoreCard® Rewards Support


Open 24/7 (except federal holidays)

ScoreCard® Rewards Travel Services


Mon-Fri 9 AM - 9 PM

Sat-Sun 9 AM - 5 PM

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