Finger Lakes Credit Union Geneva NY | Best Auto Loans & Mortgage Rates

Introduction

At Finger Lakes, we believe that every member deserves a financial partner they can trust. Located at 27 Seneca St, Geneva, NY 14456, our credit union has been serving the community since 1967. With a rich history of helping our members achieve their financial goals, we are proud to support over 20,879 members with personalized banking solutions. Our commitment to you is reflected in our impressive financial health. With total assets of $235,340,561 and total deposits reaching $16,631,895, we ensure your money is safe and sound. Our dedication goes beyond numbers; it's about building relationships and empowering our community. While members can visit us at 27 Seneca St, official correspondence should be sent to PO Box 433, Geneva, NY 14456. Under the leadership of CEO Robert McFadden and Board President Robert Stivers, we strive to create an environment where everyone feels valued and supported. Whether you're looking for auto loans or personal banking services, Finger Lakes is here for you. We offer a variety of options tailored to fit your needs. Don't hesitate to reach out! Give us a call at 315-781-1334 or visit us online at www.flfcu.org to learn more about how we can assist you in achieving your financial dreams.

Branch History & Mission

Welcome to the Finger Lakes branch, where a rich history and a strong commitment to community define our mission. Founded in 1967, we have grown from humble beginnings into a vital part of the Geneva community in New York. Our branch is located at 27 Seneca St, right in the heart of Geneva, making it easy for members to access our services. Over the years, Finger Lakes has proudly served over 20,000 members and accumulated total assets of $235,340,561. This growth reflects our dedication to providing reliable financial services while supporting local initiatives and partnerships. Our mission is simple yet profound: we aim to empower our members through accessible financial solutions that foster personal and community growth. We believe in not just serving our members but also uplifting the neighborhoods we inhabit. While you can visit us at our main office on Seneca Street, any official correspondence should be sent to our mailing address at PO Box 433, Geneva, NY 14456. Our operating hours are designed with your convenience in mind: Monday through Wednesday from 9 AM to 4:30 PM; Thursday from 9 AM to 6 PM; Friday from 9 AM to 5 PM; and Saturday from 9 AM to 12 PM. At Finger Lakes, we understand that modern banking needs to adapt to the digital world. That's why we offer online banking and mobile payment options, ensuring you can manage your finances effortlessly. We also have an ATM available for quick cash withdrawals and balance checks. Our commitment goes beyond just financial transactions. We actively engage with local organizations to support community projects and educational programs. By partnering with local businesses and schools, we strive to make a positive impact on the lives of those around us. Join us at Finger Lakes and discover how we can help you achieve your financial goals while being part of a thriving community. Whether you're looking for personal banking options or business services, we invite you to become a member today and experience the benefits of being part of something greater. Your journey towards financial empowerment starts here!

Branch Location & Accessibility

Convenient Access

Finding us is simple! Our branch is easily accessible with plenty of parking available nearby. We are committed to serving all members of our community, which includes ensuring our facilities meet ADA standards for accessibility. You can count on us for a welcoming experience. While members can visit us at 27 Seneca St, official correspondence should be sent to PO Box 433, Geneva, NY 14456.

Get in Touch!

Ready to experience great service? Feel free to give us a call at 315-781-1334 or drop by during our open hours. We look forward to seeing you soon at Finger Lakes!

Operating Hours

We understand that life gets busy, so we offer flexible operating hours to fit your schedule. You can visit us Monday through Wednesday from 9 AM to 4:30 PM, Thursday from 9 AM to 6 PM, Friday from 9 AM to 5 PM, and Saturday from 9 AM to 12 PM. Our team is ready and waiting to assist you during these times!

Services Offered

At Finger Lakes, we provide a variety of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have everything you need under one roof. Plus, with ATM availability right here at our branch, accessing your cash has never been easier. While we do not currently offer drive-thru banking or shared service centers at this location, our dedicated staff is always available inside the branch to assist you with any banking inquiries.

Member Eligibility

At Finger Lakes, we believe that everyone deserves a financial partner who truly cares. Becoming a member is like joining a warm, welcoming family where your needs come first. If you live, work, or worship in the Geneva area, or if you are related to someone who does, you're already on the right path to membership! We're here to support you with everything from personal banking to loans and more, all tailored just for you. Ready to take the next step? Opening an account is easy! Just visit us at 27 Seneca St Geneva Ny 14456, call us at (315) 781-1334, or check out the eligibility details at http://www.flfcu.org/belong/membership for more information. You can also find out how to open an account by visiting http://www.flfcu.org/more/other-services/estatement-enrollment. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Member Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $42 in commercial loans for our members, helping businesses scale and succeed. Imagine having the funds you need to purchase new equipment or hire additional staff all while enjoying competitive rates tailored just for you.

Non-Member Support

We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. This means even if you're not a member yet, we still have options that can help propel your business forward.

Outstanding Loan Portfolio

With an outstanding commercial loan portfolio of $9,970,508, we continue to drive economic growth by financing new and expanding businesses. This dedication reflects our mission to foster prosperity in our community right here in Geneva, NY. In addition to loans, our merchant services make transactions easier and more efficient. With tools that streamline payment processing, you can focus on what really matters growing your business. Visit us at 27 Seneca St Geneva Ny 14456 or call us at (315) 781-1334 to learn more about how we can assist you today!

Comprehensive List Of Services

Accessibility and Convenience

We know that modern life is busy. That's why we offer ATM services that allow for quick cash withdrawals and balance checks at your convenience. Our branch is equipped with an ATM for easy access no need to wait in line when you need cash in a hurry! Additionally, our commitment to digital banking means you can manage your finances anytime, anywhere through our user-friendly online platform and mobile app. Want to send money to a friend? Our person-to-person payment service makes it simple. --- Whether you're stopping by for personal banking or seeking assistance with business needs, we invite you to experience the difference at Finger Lakes. Reach out today at 315-781-1334 or visit us online at flfcu.org to learn more about how we can assist you in achieving your financial goals!

Business Banking

For local entrepreneurs and businesses, Finger Lakes offers robust business banking services, including merchant services and business loans. We understand the unique needs of small businesses in Geneva and are committed to providing financial tools that help foster growth and success.

Loans and Credit

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation options, you can tackle those challenges head-on. Whether it's funding a special project or consolidating existing debts into one manageable payment, we are here to support you every step of the way. Additionally, take advantage of our credit cards with rewards that not only provide convenience but also allow you to earn points on everyday purchases. This means more opportunities for savings or rewards when you shop!

Personal Banking

Managing your finances should be easy and accessible. That's why we offer a variety of checking and savings accounts designed to fit your lifestyle. Imagine effortlessly tracking your spending while saving for future goals all with the help of our online and mobile banking features. With e-statements available, you can keep tabs on your accounts without cluttering your mailbox. When it comes to financing your next vehicle, our auto loans and vehicle financing options make it straightforward and stress-free. Picture yourself driving away in that new car with competitive rates tailored just for you. Plus, if you're considering buying a home, our mortgage loans and refinancing services can help turn your dream into reality with flexible terms suited to your financial situation.

Digital & Online Banking

E-Statements and Mobile Services

Going paperless? We've got you covered! We offer e-statements that make it easy to track your transactions without cluttering your mailbox. Enjoy the peace of mind that comes with knowing your statements are secure and accessible whenever you need them. For those who love to manage their money using their smartphones, our mobile application provides an excellent solution. You can make mobile payments with ease, ensuring that you're always ready to tackle purchases or send money through person-to-person transfers.

Security and User-Friendly Features

While convenience is key, security is our top priority. All transactions made through our digital platforms are protected by robust security measures so you can feel confident in managing your finances online. Whether you're using our online banking services for quick account management or taking advantage of our mobile capabilities, everything is designed to be user-friendly and efficient. At Finger Lakes, we strive to enhance your banking experience with services that fit into your lifestyle seamlessly. In short, our digital and online banking services are here to provide you with the flexibility and control you need over your financial journey. Explore everything we have to offer today!

Financial Strength

Member-Centric Savings

Members' savings are secured through $5,259,565 in share certificates and $9,890,673 in money market shares, offering stable and rewarding financial growth opportunities. 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 $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 44 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $24,488,621 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is also robust; with $2,510 in used auto loans and $160,955,381 in total loans and leases, we support members' financial goals across various sectors.

Solid Financial Foundation

With a net worth of $29,537,112, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,254 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built on Community

Total Share Accounts: 36,990, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $521,103 further highlight our dedication to providing you with valuable services. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Finger Lakes is your trusted partner. Visit us at 27 Seneca St Geneva Ny 14456 or call (315) 781-1334 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already provided over $33,350,291 in used vehicle loans and $18,390,634 in new vehicle loans to help our members get on the road with confidence. Our competitive rates and flexible terms make it easier for you to drive away in a car you love.

Business Solutions

For business owners seeking growth opportunities, our outstanding commercial loans totaling $9,970,508 provide the capital needed for expansion. We understand that each business has unique requirements and are here to assist you every step of the way. If you're considering refinancing or want to learn more about eligibility options for any of these loan products, please don't hesitate to reach out. You can contact us at 315-781-1334 for personalized assistance or visit us at 27 Seneca St., Geneva NY 14456. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Finger Lakes, we prioritize your financial well-being and aim to provide solutions tailored just for you. Whether it's securing an auto loan or managing expenses with a credit card, we're here to help you succeed financially.

Mortgage Loans

Thinking about homeownership? Our mortgage options simplify the process of buying or refinancing your home. We currently offer Junior Lien 1-4 Family Residential Property loans totaling $18,070,780. With our guidance and support, navigating the path to owning your own home becomes more manageable.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $7,001,080 helping members effectively manage their finances. This option allows you to handle unexpected costs without added stress.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information they receive reflects current market conditions. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results. This approach allows users to compare loans without worrying about hidden agendas or conflicts of interest. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. Whether seeking an auto loan or a mortgage, users can evaluate their options in one convenient place. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of LendMesh in assisting borrowers to secure better deals. To explore your options and find the best rates for your needs, compare real-time loan offers today at LendMesh. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Finger Lakes