Finger Lakes Credit Union Phelps NY | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to the Finger Lakes Credit Union, your trusted partner in achieving financial well-being since 1967. Nestled in the heart of Phelps, NY, at 1934 State Route 96, we are dedicated to providing personalized banking solutions tailored to meet your unique needs. Whether you're looking to open a new checking account, secure an auto loan, or explore mortgage options, our friendly team is here to guide you every step of the way. With a robust membership of over 20,879 individuals and total assets amounting to an impressive $235,340,561, we pride ourselves on being a reliable financial institution for our community. Our commitment extends beyond numbers; it's about fostering lasting relationships with our members and helping them achieve their financial goals. Under the leadership of CEO Robert McFadden and Board President Robert Stivers, we strive for excellence in service and community engagement. Our branch is not just about transactions; it's about creating opportunities. With total loans exceeding 10,713 and deposits reaching $16,631,895, we're actively supporting local families and businesses through various lending options. We understand that everyone's journey is different, which is why we offer a wide range of services including personal banking, vehicle financing, business loans, and more. While members can visit us at 1934 State Route 96, official correspondence should be sent to our mailing address: PO Box 96, Phelps, NY 14532. If you have any questions or need assistance, feel free to reach out at (315) 548-2100 during our convenient operating hours: Monday to Wednesday from 9 AM to 4:30 PM, Thursday from 9 AM to 6 PM, and Friday from 9 AM to 5 PM. Discover how we can help you thrive financially by visiting our website at www.flfcu.org. Join us today and become part of a community that values trust, transparency, and your financial success!

Branch History & Mission

Welcome to the Finger Lakes, a community-focused credit union that has proudly served Phelps, NY, since 1967. Established with a vision to provide accessible and affordable financial services, our branch has grown from humble beginnings into a trusted partner for over 20,000 members. Located at 1934 State Route 96, Phelps, NY 14532, we are easily accessible for those in the area, nestled among the scenic beauty of the Finger Lakes region. Our mission is simple yet powerful: to enhance the financial well-being of our members while fostering a strong sense of community. We believe that when our members succeed, so does our community. This commitment drives us to offer a wide range of services tailored to meet diverse financial needs from personal banking solutions like checking and savings accounts to auto loans and mortgage financing. Over the years, we've achieved significant milestones. Today, we proudly manage total assets exceeding $235 million, reflecting our robust growth and stability. Our dedication to member service is evidenced by the ongoing support we provide through modern banking solutions. We offer online and mobile banking options that cater to today's fast-paced lifestyle while ensuring that all our services are ADA compliant for inclusivity. At Finger Lakes, we understand that being part of a community means giving back. We actively participate in local outreach programs and partnerships designed to uplift those around us. Whether it's supporting local schools or participating in community events, we strive to make a difference. While members can visit us at 1934 State Route 96, official correspondence should be sent to PO Box 96, Phelps, NY 14532. Our dedicated team is here during operating hours Monday through Wednesday from 9 AM to 4:30 PM, Thursday from 9 AM to 6 PM, and Friday from 9 AM to 5 PM ready to assist you with all your financial needs. As we look toward the future, we invite you to join our family at Finger Lakes Credit Union. Experience firsthand the benefits of membership personalized service, competitive rates, and a genuine commitment to your financial success. Together, let's build a brighter future for ourselves and our community! For more information or to become a member today, give us a call at 315-548-2100 or visit us online at www.flfcu.org.

Branch Location & Accessibility

Accessibility Features

At Finger Lakes, we believe that everyone should have easy access to banking services. Our branch is ADA compliant, featuring ramps and accessible entry points to accommodate all members of the community. You can feel confident knowing that we strive to create an inclusive environment for everyone who walks through our doors.

Banking Services

Our Phelps Branch offers a wide array of banking services tailored just for you. From personal checking and savings accounts to auto loans and mortgage refinancing options, we've got you covered. Plus, enjoy the convenience of drive-thru banking for deposits and simple transactions without leaving your car! While members can visit us at 1934 State Route 96, official correspondence should be sent to PO Box 96, Phelps, NY 14532.

Convenient Location

Situated along the bustling State Route 96, our Phelps Branch is not far from local landmarks like the Phelps Community Center and the beautiful nearby parks. This makes us an ideal stop for both residents and visitors alike. We are committed to making your experience as smooth as possible, so you'll find plenty of parking available right outside our doors.

Get in Touch!

Ready to take control of your finances? Our dedicated team is here to help! Feel free to give us a call at 315-548-2100 if you have any questions or need assistance with your banking needs. We look forward to welcoming you at Finger Lakes in Phelps!

Operating Hours

We understand that life can get busy! That's why we're open at convenient hours to fit your schedule. Visit us Monday through Wednesday from 9 AM to 4:30 PM, Thursday until 6 PM, and Friday until 5 PM. If you can't make it during these hours, don't worry! You can also take advantage of our ATM services available on-site for quick withdrawals or balance checks.

Member Eligibility

At Finger Lakes, we believe that everyone deserves a place to thrive, and joining our community is as easy as reaching out! If you're a resident of Ontario County, work in the area, or have family who are members, you're likely eligible to become part of our supportive family. We welcome individuals from all walks of life, and our membership offers a wealth of benefits, including personalized financial services and a commitment to helping you achieve your financial goals. For more specific eligibility details, feel free to visit our website at http://www.flfcu.org/belong/membership. Getting started with us is simple! You can open an account online or visit us in person at our branch located at 1934 State Route 96 Phelps Ny 14532. Our friendly team is here to assist you every step of the way. If you have any questions, don't hesitate to give us a call at (315) 548-2100. We look forward to welcoming you into the Finger Lakes family!

Business Banking & Commercial Services

At Finger Lakes, we understand that running a business comes with unique challenges and opportunities. That's why we offer tailored business banking and commercial services designed to help you thrive. Whether you're looking to expand, purchase equipment, or manage cash flow, our commercial loan options can provide the financial support you need. Imagine a local café that wants to upgrade its kitchen equipment. With our member commercial loans, we've funded over $42 for businesses like this one, helping them scale and succeed. We also care about the broader community; for those not yet part of our family, we support their growth too, providing $0 in flexible financing solutions. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - With an outstanding commercial loan portfolio of $9,970,508, we continue to drive economic growth by financing new and expanding businesses. Beyond loans, we offer merchant services that simplify payment processing. Whether it's setting up point-of-sale systems or providing online payment options, we ensure your transactions are smooth and efficient. Located at 1934 State Route 96 Phelps Ny 14532 in Phelps, NY, our dedicated team is ready to partner with you on your journey to success. Contact us today at (315) 548-2100 to learn how we can help your business grow!

Comprehensive List Of Services

Business Banking Services

Small business owners will find valuable resources through our business banking services. From merchant services that simplify payment processing to business loans designed to help your enterprise grow, we are here to support local businesses every step of the way.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why Finger Lakes offers robust online and mobile banking services. You can easily manage your accounts from anywhere, check balances, transfer funds, and even make person-to-person payments with just a few taps on your smartphone. Plus, with ATM access for withdrawals and balance checks available at multiple locations, managing cash flow has never been easier.

Drive-Thru & Basic Services

For those who prefer face-to-face interactions but want to save time, our drive-thru service allows for quick deposits, withdrawals, and simple transactions without leaving your car. At Finger Lakes, we strive to meet all your financial needs under one roof while ensuring ease of access through both in-person and digital channels. If you're ready to explore how we can assist you further or if you have any questions about our offerings, don't hesitate to reach out! Call us at (315) 548-2100 or visit our website at https://www.flfcu.org today! Your financial journey starts here with us at Phelps Branch!

Personal Banking Solutions

For individuals seeking to manage their finances effectively, our personal banking services are designed with you in mind. We offer checking and savings accounts that come with features to help you save more and spend wisely. If you're considering purchasing a vehicle, our auto loans and vehicle financing options can get you behind the wheel without the stress of hefty payments. When it comes to homeownership, we understand that a mortgage is a significant commitment. That's why we provide competitive mortgage loans and refinancing options tailored to fit your budget. For those times when unexpected expenses arise, our personal loans and debt consolidation services can help you regain control of your finances.

Rewarding Credit Options

We also offer credit cards with rewards that let you earn while you spend. Whether it's cash back on everyday purchases or points for travel, our credit card solutions can enhance your spending experience.

Digital & Online Banking

Accessibility Anytime

Whether you're using our website or mobile app, you'll find that managing your accounts is straightforward. Enjoy real-time account management and the peace of mind that comes with knowing you can access your funds whenever needed. At Finger Lakes, we're committed to providing you with the tools you need to take control of your financial journey. Visit us today at https://www.flfcu.org to learn more about how our digital banking services can work for you!

Key Services

With 24/7 online banking, you can access your accounts anytime, anywhere. You can check balances, transfer funds, and pay bills with ease. If you're looking to send money to friends or family, our person-to-person transfer feature allows you to do so quickly and securely. Plus, if you prefer paperless statements, we offer e-statements that are easy to view and manage directly from your device.

Security and Ease of Use

Your security is our top priority. While we don't currently support electronic signature authorization, rest assured that our online systems use advanced security measures to keep your information safe. Our user-friendly mobile application makes it even easier to manage your finances on the go. With mobile payments enabled, you can pay for purchases right from your phone without any hassle.

Financial Strength

Commitment to 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 supports members' financial goals across various sectors with $2,510 in used auto loans and $160,955,381 in total loans and leases. Our operational efficiency is highlighted by our $1,155,240, 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.

Growing Member Trust

The trust placed in us by our growing member base is evident with a total of 36,990 share accounts. This number signifies the confidence our members have in Finger Lakes, reflecting a strong community bond built over time. 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 1934 State Route 96 Phelps Ny 14532 or call (315) 548-2100 to learn more about how we can help you achieve your financial goals.

Secure Savings Options

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.

Strong Financial Health

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 12.54% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $33,350,291 in used vehicle loans and $18,390,634 in new vehicle loans already helping members get on the road. We also have refinancing options available if you're looking to lower your monthly payments or tap into your vehicle's equity.

Business Financing

For business owners, our outstanding commercial loans totaling $9,970,508 provide the capital needed to grow and expand your business. Whether it's for equipment purchases or working capital needs, we can help you find the right solution. At Finger Lakes Credit Union, we pride ourselves on making lending accessible and straightforward. If you're interested in learning more about eligibility options or would like to apply for a loan today, please visit our website at www.flfcu.org or call us directly. Remember that performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial journey is important to us; let's take it together!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $18,070,780, make buying or refinancing simple. We offer various terms and conditions tailored to meet your needs.

Unsecured Credit Cards

We also provide flexible terms on unsecured credit card loans, with a total of $7,001,080 in loans helping members manage their finances effectively. This is an excellent option for those who want to build credit without putting up collateral.

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FINGER LAKES FEDERAL CREDIT UNION - Phelps, NY

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