Finger Lakes Health Care Elmira NY Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Finger Lakes Health Care, your trusted financial partner located at 519 Hart St, Elmira, NY 14905. Since our establishment in 1973, we have been dedicated to serving our community with integrity and care. With a strong membership of 2,549 individuals, we pride ourselves on being more than just a credit union we are a family that supports one another through every financial journey. At Finger Lakes Health Care, we understand the importance of having reliable financial resources. Our total assets amount to an impressive $31,556,073, ensuring that we can meet your needs effectively. Whether you're looking for auto loans or personal banking services, we've facilitated 1,128 loans and leases, reflecting our commitment to helping you achieve your goals. While members can visit us at our branch location, official correspondence should be sent to the same address: 519 Hart St, Elmira, NY 14905-1614. This is where you can reach out to us at any time during our operating hours Monday through Friday from 7:30 AM to 4:00 PM and Saturday from 9:00 AM to 12:00 PM. Under the leadership of our dedicated CEO, Amanda Powell, and Board President Kenneth Peworchik, we ensure that every member feels valued and supported. With a strong net worth of $4,873,610 and cash in hand totaling $322,608, you can trust that your finances are in good hands. We invite you to explore what Finger Lakes Health Care has to offer by visiting our website at [www.flhc.com]( http://WWW.FLHC.COM ) or giving us a call at 607-733-1304. Together, let's build a brighter financial future!

Branch History & Mission

At Finger Lakes Health Care, our journey began in 1973 when we opened our doors at 519 Hart St, Elmira, NY. Since then, we have been committed to serving our community and providing quality financial services to our members. With a rich legacy spanning over four decades, we have grown to become a trusted financial partner for many individuals and families in the area. From our humble beginnings, Finger Lakes Health Care has evolved significantly. We now proudly serve over 2,500 members with total assets of approximately $31,556,073. Our growth reflects not just numbers but the trust and loyalty of our community. As we navigate through changes in the financial landscape, we remain steadfast in our mission: to empower our members with accessible financial solutions while actively supporting the community around us. Our mission is simple yet impactful. We aim to provide personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. Beyond just transactions, we focus on building relationships that foster financial well-being and stability for all our members. In addition to traditional banking services, we prioritize convenience and accessibility. Our lobby hours are designed to meet the needs of busy lifestyles: Monday through Friday from 7:30 AM to 4:00 PM and Saturday from 9:00 AM to 12:00 PM. We also offer basic drive-thru banking for deposits and simple transactions to enhance your experience further. While members can visit us at 519 Hart St for their banking needs, official correspondence should be sent to the same address. We invite you to explore all that Finger Lakes Health Care has to offer whether you're looking for personal loans or business services. As an active participant in community outreach efforts, we believe in giving back. Our partnerships with local organizations allow us to support initiatives that uplift those around us. We also embrace digital advancements with mobile banking options and online services that make managing your finances easier than ever. Join us at Finger Lakes Health Care today! Experience personalized service tailored just for you. Visit us at our Elmira branch or call us at 607-733-1304 for more information on how we can help you achieve your financial goals. Together, let's build a brighter future!

Branch Location & Accessibility

Easy Access and Parking

Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure all members can visit us comfortably. Parking is ample and conveniently located right outside our doors, so you can pop in for a quick transaction or stay a while to discuss your financial needs with our friendly staff.

Get in Touch

Have questions or need assistance? Feel free to give us a call at 607-733-1304. Our dedicated team is ready to assist you with anything you need! We invite you to come visit us soon at Finger Lakes Health Care, we're more than just a credit union; we're your partners in financial well-being!

Operating Hours

We know life can get hectic, which is why we offer flexible operating hours. Our lobby is open Monday through Friday from 7:30 AM to 4:00 PM, and we also welcome you on Saturdays from 9:00 AM to 12:00 PM. Whether you're stopping by before work or on the weekend, we're here to help!

Services Offered

At Finger Lakes Health Care, we provide a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. For those quick transactions, our drive-thru service makes it easy to handle deposits and withdrawals without leaving your vehicle. While you can reach us at our branch address for all your banking needs, if you need to send any official correspondence, please use our mailing address at 519 Hart St, Elmira, NY 14905-1614.

Member Eligibility

At Finger Lakes Health Care, we believe that everyone deserves access to a supportive financial community. Joining us is simple and welcoming! If you're a resident, employee, or affiliated with certain organizations in the Elmira area, you may already qualify for membership. We're here to help you navigate the process and enjoy the many benefits of being a member, including personalized service and competitive rates on loans and savings accounts. To find out more about our eligibility criteria, visit [this link]( https://www.flhc.com/ ). Ready to take the next step? Opening an account with us is just as easy! You can start your journey by visiting [this page]( https://www.realtimehomebanking.com/enroll.aspx?clientid=21294 ) or give us a call at (607) 733-1304 if you have any questions. We're excited to welcome you to the Finger Lakes Health Care family, located at 519 Hart St Elmira Ny 14905!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine being able to accept payments seamlessly while managing your cash flow effortlessly. Our merchant services offer just that enabling you to focus on what you do best: running your business. With easy payment solutions tailored for today's marketplace, we help ensure that transactions are smooth and efficient. Located at 519 Hart St Elmira Ny 14905 in Elmira, NY, our dedicated team is here to guide you every step of the way. Let us help you achieve your business goals! For more information, give us a call at (607) 733-1304 or visit us online at https://www.flhc.com/ .

Tailored Lending Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer comprehensive Business Banking solutions including merchant services and business loans. We understand how vital it is to keep your operations running smoothly, so let us help you secure the funding and services necessary for success.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we provide robust Online & Mobile Banking services that allow you to manage your finances on the go. From checking balances to transferring funds, everything is just a tap away.

Drive-Thru Service

If you're in a hurry but still want personalized service, take advantage of our Basic Drive-Thru Banking. You can conduct simple transactions like deposits and withdrawals without leaving your vehicle. At Finger Lakes Health Care, we prioritize making banking easy and accessible for everyone in our community. If you have any questions about our services or would like to learn more about how we can assist you financially, don't hesitate to reach out! Call us at (607) 733-1304, or visit us during our lobby hours: Monday through Friday from 7:30 AM - 4:00 PM and Saturday from 9:00 AM - 12:00 PM. Join us today at Main Office where every member counts!

Home Ownership Made Easy

Buying a home is one of the most significant decisions you'll ever make. Our Mortgage Loans & Refinancing services are designed to help you navigate this process smoothly. Whether you're looking to purchase your first home or refinance an existing mortgage, we're here to support you every step of the way.

Personal Banking

We understand that managing your finances can be challenging. That's why we offer Personal Banking options that include checking and savings accounts tailored to fit your lifestyle. Our accounts come with features designed to help you save more and spend wisely, all while keeping your funds easily accessible.

Personal Loans

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation options can provide the financial relief you need. Whether it's for medical bills, home repairs, or consolidating debt, we work with you to find a solution that fits your budget.

Rewarding Credit Options

Enhance your spending power with our Credit Cards with Rewards program. Earn points on everyday purchases that can be redeemed for travel, merchandise, or cash back. It's our way of saying thank you for choosing us!

Vehicle Financing

Thinking about purchasing a new vehicle? Our Auto Loans & Vehicle Financing solutions make it simple for you to drive away in the car you've always wanted. With competitive rates and flexible terms, getting behind the wheel has never been easier.

Digital & Online Banking

At Finger Lakes Health Care, we understand that managing your finances should be as easy and secure as possible. Our digital and online banking services are designed to give you the convenience of banking at your fingertips, allowing you to handle your accounts anytime, anywhere. With our 24/7 online banking services available at https://www.flhc.com/ , you can check your account balances, transfer funds, and pay bills without stepping foot in a branch. Whether you're at home or on the go, everything you need is right there on your device. Plus, for those who prefer keeping track of their finances digitally, we offer e-statements. This means no more waiting for paper statements; you can access your financial information quickly and securely. Our mobile application enhances this experience even further. You can enjoy features like mobile payments, making it simple to pay for purchases directly from your phone. Need to send money to a friend? With our person-to-person transfer option, it's just a few taps away! We prioritize your security while you bank online. Although we don't currently use electronic signature authorization, rest assured that our systems are built with robust security measures to protect your information. You can focus on what matters most managing your money effectively. Join us today and experience the ease of digital banking with Finger Lakes Health Care. For more details, visit us at https://www.flhc.com/ or give us a call at (607) 733-1304. Your finances are important to us, and we're here to help you manage them with confidence!

Financial Strength

Growing Membership Base

Total Share Accounts stand at 4,666, showing a strong and growing member base that trusts us with their finances. This growth reflects our commitment to providing exceptional service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Finger Lakes Health Care is your trusted partner. Visit us at 519 Hart St Elmira NY 14905 or call 607-733-1304 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

Members' savings are secured through $2,271,019 in share certificates, offering stable and rewarding financial growth opportunities. While we currently have no money market shares available, our focus remains on maximizing your benefits through secure savings options. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 5 full-time employees ready to serve you with knowledgeable support.

Our Financial Health

With a net worth of $4,873,610, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1543 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment in Member Services

With $4,841,687 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment enables us to continually enhance the services we offer.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $9,197,419 in total loans and leases and 156 used auto loans currently available. This means whether you're looking to buy a new car or need a personal loan for other purposes, Finger Lakes Health Care is here to help.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,067,835 in used vehicle loans and $2,534,954 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to make financing your next vehicle easy and affordable.

Contact Us

To learn more about our loan offerings or to start an application today, feel free to reach out! You can contact us at (607) 733-1304 or visit us at 519 Hart St Elmira NY 14905. Our lobby hours are Monday through Friday from 7:30 am to 4:00 pm and Saturday from 9:00 am to 12:00 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you achieve your financial goals!

Credit Lines and Unsecured Loans

For those needing additional flexibility, we also offer credit lines with a total of $1,160,000 available. In addition, our flexible terms on unsecured credit card loans have helped members manage their finances effectively with a total of $1,290,950 in loans. This means you can access funds when needed without collateral requirements.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $584,690, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance your current mortgage, our team will work with you every step of the way.

Refinancing Options

If you're considering refinancing any existing loans or mortgages for better rates or terms, be sure to ask about our refinancing options. Our goal is to help you save money and meet your financial objectives.

Loan Aggregator

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