Refinancing     

    • Highly competitive rates!
    • Finance up to 130%*
    • Flexible loan payment terms up to 84 months.
    • No prepayment penalties
    • Quick application process, find out if you qualify today!
    • We partner with many local dealers to allow you to get a loan at the dealership.
    • Easy to understand loan process handled by professional and knowledgeable staff
    • .25% rate reduction for members with Checking and Direct Deposit
    • .25% rate reduction for utilizing Auto Pay

    If you have any questions about refinancing a vehicle please contact us to schedule an appointment with a Lending Specialist today! 

Gap Coverage

Guaranteed Asset Protection (GAP) is a non-insurance product and is made available via a loan/lease deficiency waiver that covers the “gap” between the vehicle’s value and the amount you still owe. Essentially, GAP covers the difference between your primary carrier’s insurance settlement and the payoff of your loan or lease, less delinquent payments, late charges, refundable service warranty contracts, and other insurance related charges less your deductible. This is an optional product offering from FLFCU. Don’t owe on your loan after an accident, have it covered with our GAP product.

Life and Disability Insurance

There is no way to predict an injury, illness, or your unexpected death, but you can take steps along the way to make sure your family is provided for if the unforeseen were to happen. Credit Disability and Credit Life Insurance may help to pay your loan so you or your loved ones don’t have to.*

These products are optional offerings from FLFCU and the premium is included in your monthly payment. Talk to your Loan Officer about the option of adding this product without increasing your monthly payments.

*Up to your policy maximums; per terms and conditions and exclusions on your Credit Insurance Certificate.


Looking for Auto Insurance? To bring you this product, we have partnered with the CUNA Mutual Insurance Group’s TruStage™ who was just named the “World’s Most Ethical Company®” by Ethisphere, an international think tank that rates companies business ethics and social responsibility. Amazing, right?

They provide our members with Term Life and Free Accidental Death and Dismemberment Insurance, and work with carefully selected vendors to bring our members discounted auto insurance.
  • Bill Cram Chevrolet
  • Canandaigua Motors
  • D’Amico Chrysler Dodge Jeep
  • Friendly Chrysler Dodge Jeep
  • Friendly Ford
  • Geneva Foreign & Sports
  • Select EuroCars
  • Tradition Chevrolet (Geneva)
  • Tradition Chevrolet (Newark)