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Let us help you achieve the home of your dreams!

Fixed Rate Home Equity

  • Borrow a Lump Sum
  • Flexible Terms up to 15 years
  • Borrow up to 90% of your Home's Equity
1. If paid in full before 36 months from date of note, borrower will be obligated to pay lender the amount of waived fees.
2. Some restrictions apply. Adequate property insurance is required. 1-4 family, owner occupied primary residence only. Subject to credit approval.
2. Consult your tax advisor regarding tax deductibility
4. NMLS ID 493624

Home Improvement
  • Borrow up to $20,000
  • Terms up to 120 Months
  • Fixed Payment and Rate
  • Fast Turnaround Time

To Apply

Apply Now

*Stated 2.99% APR applies to a Fixed Rate Home Equity Loan with a term of 36 months at 85% Combined Loan to Value (CLTV).  Other rates and terms are available.  Consult your tax advisor for tax-deduction eligibility on Home Equity Loans.  Property Insurance is required.  A $10,000 Home Equity Loan at 2.99% APR requires 36 monthly payments of $290.80 for principal and interest.  

**Stated 4.99% APR applies to a Home Improvement Loan with a term up to 60 months.  Loan must be in the best credit score pricing tier to receive the best rate and qualify for the Member Discount (AutoPay & Direct Deposit)

*/** APR = Annual Percentage Rate.  Rates and terms are subject to change.  Rates subject to credit approval.  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  New money only.  Offers end March 31, 2020.  Please check with a Member Service Representative for membership eligibility requirements.  Not a member?  Join today!  An Equal Housing Lender.

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

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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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