- NO Annual Fee!
- 1.99% Introductory APR!1
- Fixed Rate!2
- Includes EMV Chip Technology
- NO Balance Transfer Fee!
- NO Cash Advance Fee!
 Introductory 1.99% APR on on all transactions performed within the first 90 days from account opening and will last for 12 billing cycles.
 Following introductory period. APR will be at a fixed rate of 12.90% which is a daily periodic rate of 0.0353%
View Terms and Conditions and View the Credit Card Agreement. All Finger Lakes Credit Cards are subject to credit approval.