Holiday Club Accounts are a fantastic way to save for Christmas shopping throughout the year, so you don't need to stress about the cost of gifts at the end of the year!
This account has no minimum balance, no monthly service fees and they earn a quarterly dividend. On October 1st the funds are automatically transferred to the 00 savings account for ease of access to get a head start on shopping! If you don't already have a Holiday Club Account, call or stop in and get one set up so you can give yourself the peace of mind for next year!
Finger Lakes Federal Credit Union has the HELOC made to fit your needs!
Home Equity Line of Credit
Make your dreams a reality with our low Home Equity rates. Whether your looking to remodel your home, take that dream vacation, pay for college or plan your dream wedding our Home Equity Line will give you the flexibility to achieve your goals. Our low rate introductory rates are as low as 2.49% APR* for 6 months. After the introductory period the variable rate will be determined by the Prime Rate minus .25% APR*.
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
*APR (Annual Percentage Rate). Rate is accurate as of 07/12/2022. The introductory rate is fixed at 2.49% for the first 6 months. After 6 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. Membership eligibility is required. 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.
Save Money with a Finger Lakes FCU Credit Card!
VISA Credit Cards
Consolidate all your card cards to one with a great low interest rate. All NEW FLFCU VISA Platinum or Classic Credit Card holders will receive our introductory rate of 1.99% APR* for all transactions performed within the first 90 days from account opening. The introductory rate will last for 12 billing cycles on those transactions.
You can use your new card to help to:
- Consolidate Debt
- Holiday or Vacation Expenses
- Don’t forget about our Free Rewards program! Earn points for every purchase. Redeem for top name brand items, airfare, hotels, and more!
Our Credit Cards Offer:
- No Balance Transfer Fees
- No Annual Fees
- No Overlimit Fees
- No Default-Rate Adjustment
- No Cash Advance Fee
- And More
To Apply
*APR = Annual Percentage Rate. For the first 90 days of transactions on the credit card, new VISA Classic and Platinum cardholders will receive this introductory rate for 12 months for all transactions (including purchases, balance transfers, and cash advances). The introductory rate will last for 12 billing cycles. After the introductory rate period, member’s existing balances and all other subsequent transactions will be subject to the current respective rate of 9.90% APR for VISA Platinum or 12.90% APR for VISA Classic.
This promotion is for new Finger Lakes Federal Credit Union VISA Classic or Platinum credit cards only. All existing fees apply.
The Credit Union reserves the right to change any conditions of this program.
This Credit Union is federally insured by the National Credit Union Administration.
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 for a PDF of FAQs regarding the ScoreCard® program.
Don't have a FLFCU VISA Credit Card? The time to apply for a FLFCU VISA Credit Card 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 Support
1-800-854-0790
Open 24/7 (except federal holidays)