Inner Lakes Credit Union Fredonia NY | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Inner Lakes, your trusted financial partner located at 3795 Lakeview Rd, Fredonia, NY 14063. Since our establishment in 1952, we have been dedicated to serving our community with integrity and care. With a total membership of 10,625 and assets exceeding $145 million, we pride ourselves on providing personalized banking solutions tailored to meet the diverse needs of our members. At Inner Lakes, we're not just about numbers; we're about people. Our mission is to empower you with the financial tools you need for success. Whether you're looking for auto loans, mortgages, or simple savings accounts, we've got you covered. We currently manage over $14 million in deposits and have provided more than 10,341 loans to help our members achieve their goals. While members can visit us at our main location, official correspondence should be sent to 3795 Lakeveiw Rd, Fredonia, NY 14063-1972. Our friendly team is here to assist you Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to Noon. Led by CEO Carl Swan and Board President William Bills, our dedicated staff of 27 employees is committed to making your banking experience as smooth as possible. We believe in building lasting relationships within our community by offering services that truly make a difference. Explore the possibilities with us today! For more information or assistance, don't hesitate to reach out at 716-672-5666 or visit our website at Inner Lakes FCU. We look forward to helping you on your financial journey!

Branch History & Mission

Our Evolution

Over the years, Inner Lakes has evolved significantly while staying true to our mission. We've embraced technology to offer online banking and mobile applications that make managing finances easier for our members. Our drive-thru service and ATM availability ensure convenient access to your funds when you need them most. As we've grown, so has our range of services from personal banking solutions like checking and savings accounts to auto loans, mortgages, and even business banking options. While members can visit us at 3795 Lakeview Rd Fredonia Ny 14063, official correspondence should be sent to 3795 Lakeveiw Rd, Fredonia, NY 14063-1972. Our branch is conveniently located near local landmarks, making it easy for you to stop by.

Our Mission

At Inner Lakes, our mission is simple yet powerful: to provide exceptional financial services that empower our members while contributing positively to the community. We believe that financial education is key to achieving stability and prosperity. That's why we focus not only on traditional banking but also on offering resources that help our members make informed decisions about their finances. We are deeply committed to community outreach efforts as well. By partnering with local organizations and participating in various initiatives, we strive to give back and support those around us. This dedication reflects in everything we do whether it's providing loans for local businesses or hosting financial literacy workshops. As we look ahead, we're excited about continuing this journey with you. Join us at Inner Lakes and discover how our member-focused approach can benefit your financial future. Experience the difference that a community-driven credit union can make! For more information or assistance, feel free to reach out at (716) 672-5666 during our operating hours: Monday through Thursday from 9:00 am to 5:00 pm, Friday from 9:00 am to 6:00 pm, and Saturday from 9:00 am to Noon. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to Inner Lakes, your friendly neighborhood credit union located at 3795 Lakeview Rd in Fredonia, NY. Our branch is conveniently situated near local landmarks, making it easy for you to stop by and handle your banking needs. Whether you're heading to the nearby parks or enjoying a day out in town, we're right on your way! At Inner Lakes, we prioritize accessibility for all our members. Our location features ADA-compliant ramps and ample parking, ensuring everyone can easily access our services. Plus, our drive-thru service is available for those who prefer to bank from the comfort of their vehicle perfect for quick deposits or withdrawals! We're here for you during convenient hours: Monday through Thursday from 9:00 am to 5:00 pm, Friday from 9:00 am to 6:00 pm, and Saturday from 9:00 am until noon. With an ATM on-site, you can also withdraw cash or check your balance whenever you need. While members can visit us at 3795 Lakeview Rd., official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to call us at 716-672-5666. We look forward to seeing you soon!

Member Eligibility

At Inner Lakes, we believe that becoming a member is like joining a supportive family where your financial well-being is our top priority. To become part of our community, you need to meet certain eligibility criteria, which can include living, working, or worshiping in the areas we serve. We welcome individuals who share our values and are looking for a financial partner they can trust. If you're interested in exploring the specifics, you can find all the detailed eligibility information at . Opening an account with us is straightforward and welcoming. Whether you're looking to set up a checking account, take out a loan, or simply want to learn more about what we offer, our friendly team is here to help. Feel free to reach out at (716) 672-5666 if you have any questions or need assistance! You can also visit us at 3795 Lakeview Rd Fredonia Ny 14063 to start your journey with us today.

Business Banking & Commercial Services

Commercial Loans Tailored for You

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $171,461, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services that Make a Difference

Imagine having a reliable partner that simplifies your payment processing. Our merchant services are designed to help you accept payments easily, whether in-store or online. With tools that enhance customer experience and streamline operations, we empower you to focus on what matters most growing your business. Located at 3795 Lakeview Rd Fredonia Ny 14063 in Fredonia, NY, our team is ready to work with you to create a banking solution that fits your goals. Contact us at (716) 672-5666 to learn more about how we can support your business today!

Comprehensive List Of Services

Additional Services

Our branch also features basic drive-thru banking for quick deposits and withdrawals. Plus, with easy ATM access for balance checks and withdrawals, banking has never been simpler! We invite you to visit us at Inner Lakes in Fredonia or give us a call at 716-672-5666. Let us help you take control of your financial journey today! Whether you're opening an account, applying for a loan, or simply seeking advice, we're here to assist you with warmth and expertise. Come see how we can serve you better!

Business Banking

For local businesses, we provide comprehensive Business Banking solutions. From merchant services that simplify transactions to business loans that help fuel growth, we're committed to supporting the backbone of our community.

Credit Cards

Don't forget about our Credit Cards with Rewards, which not only offer convenience but also let you earn rewards on your everyday purchases perfect for those who love to maximize their spending power.

Digital Banking Features

We know how important convenience is in today's fast-paced world. That's why we offer robust Online & Mobile Banking services. Check your balances, transfer funds, and pay bills all from the comfort of your home or on-the-go using your smartphone or computer. Our ATM and cash withdrawal services ensure that you have access to your funds whenever you need them.

Loans and Financing

When it comes to making big purchases or consolidating debt, our Auto Loans & Vehicle Financing are tailored just for you. Imagine driving off in your dream car while enjoying competitive rates! For homeowners, our Mortgage Loans & Refinancing options can make owning a home more accessible than ever. If you're looking to fund personal projects or tackle unexpected expenses, our Personal Loans & Debt Consolidation services provide flexible solutions.

Personal Banking

Starting with the essentials, we offer Personal Banking options, including checking and savings accounts that help you manage your daily finances. Whether you need a safe place to save for future goals or a checking account for everyday expenses, we've got you covered.

Digital & Online Banking

At Inner Lakes, we understand that convenience and security are top priorities for our members. That's why we've embraced digital and online banking solutions that make managing your finances easier than ever. Whether you're at home or on the go, you can access your accounts anytime through our user-friendly platform. One of the standout features is our comprehensive online banking service, available 24/7 at https://www.innerlakesfcu.org/. With just a few clicks, you can check balances, transfer funds, and pay bills all from the comfort of your couch or while waiting in line. Our online banking portal is designed to be intuitive, allowing you to manage your money effortlessly. For those who prefer mobile banking, we offer a dedicated mobile application that keeps you connected wherever you are. You can conveniently make person-to-person transfers, ensuring that sharing expenses with friends or family is quick and straightforward. Although we currently don't support mobile payments, our app provides all the essential features to keep your banking experience smooth and efficient. When it comes to staying organized and informed, our e-statements are a fantastic option. You can view and manage your statements electronically instead of relying on traditional paper ones saving trees and decluttering your mailbox! Plus, you don't need to worry about electronic signature authorization; our system is secure, allowing you to complete transactions safely. At Inner Lakes, we prioritize your security as much as we value convenience. Our advanced security measures protect your personal information while you enjoy all the benefits of online banking. With real-time account management tools, you'll always have control over your finances right at your fingertips. Join us today at Inner Lakes and discover how our digital and online banking services can simplify your life!

Financial Strength

At Inner Lakes, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We believe in transparency and strive to keep you informed about our financial health. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $14,406,937, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $987 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $27,570,252 in share certificates and $14,182,444 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. With $14,167,004 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 your financial goals across various sectors with $4,244 in used auto loans and $56,858,765 in total loans and leases. While 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 27 full-time employees ready to serve you with knowledge and dedication. Our commitment to sound financial practices is evident with net shares (funds available for lending and investments) amounting to $0. Additionally, the trust placed in us by our growing member base is shown through our total share accounts of 18,733. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Inner Lakes is your trusted partner. Visit us at 3795 Lakeview Rd Fredonia Ny 14063 or call (716) 672-5666 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, with over $14,761,143 in new vehicle loans and $14,024,539 in used vehicle loans already helping members get on the road. Whether you want to drive off in a brand-new model or need financing for a reliable used car, we've got you covered.

Business Loans

For business owners looking to expand or invest in new opportunities, our outstanding commercial loans totaling $171,461 provide the capital needed to grow and succeed. We are dedicated to supporting local businesses and helping them thrive. At Inner Lakes, we believe in making banking accessible and straightforward. If you're considering refinancing or have questions about eligibility options for any of our loan products, please don't hesitate to reach out. For more information about our services or to discuss your specific needs, feel free to contact us at 716-672-5666. We're located at 3795 Lakeview Rd, Fredonia NY 14063. Let us help you take the next step towards achieving your financial dreams! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,638,203, make buying or refinancing simple. We are here to guide you through the mortgage process and help you find a loan that suits your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,856,777 in loans helping members manage their finances effectively. These cards provide a convenient way to handle everyday expenses while building your credit history.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means you can trust that the offers displayed are fair and transparent. LendMesh prioritizes accuracy, ensuring that every loan comparison reflects the most current information available.

Inner Lakes