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Finger Lakes

PO BOX 433, Geneva, NY 14456
NCUA Insured4.6 (89 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1967

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 433

Geneva, NY 14456

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(315) 781-1334

Service Area

This credit union is located in Geneva and serves members in the NY area. Currently serving 20,067 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

2.09%

Used Auto Loan

6.29%

Personal Loan

13.00%

Credit Card APR

9.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q4 2025).

Niagara'S Choice— New Auto Loan

Niagara Falls, NY

1.74%
New York Times Employees— Used Auto Loan

New York, NY

2.49%
Palisades— Personal Loan

Pearl River, NY

2.99%
Eastern Operating Engineers— Credit Card APR

Whitestone, NY

3.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

4.6

89 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Katharine Collins

Katharine Collins

a year ago

Cecilia, Caitlin and Lisa are three of the most helpful and fantastic people and I am so grateful to be a longtime member of the Credit Union. I could name everyone I've ever worked with - never a complaint and always willing to go above and beyond. The best!

Rebecca Jessop

Rebecca Jessop

a year ago

I’ve been a member of FLFCU for over 40 years. They have helped me with loans and other financial needs. After my parents passed, they were incredible at helping my family with their estate. Their compassion and love for the community is why I am still a member.

bonnie batterson

bonnie batterson

a year ago

I would like to thank kelly Stewart for going above and beyond to help me resolve my issues with someone try to hack my card. She even helped me on a weekend to explain things and put my mind at ease. Your institution is one of the best. Glad I am a member.

Gene Murphy

Gene Murphy

a year ago

Megan was very friendly and helpful. She is a fine example of why we are life long customers of FLFCU. ❤️

Carol Nardozzi

Carol Nardozzi

2 years ago

I made a transaction at your bank today, Tuesday, March 12, and the cashier was wonderful. She had told me that it would not be credited for two days because it was an insurance check. When I explained to her that it was a withdrawal from my retirement, instead of arguing with me, she went to Megan and asked Megan. I thought that was really nice that she handled it professionally. You don’t see that at other banks.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).