Inner Lakes

19-21 E MAIN ST, Westfield, NY 14787

NCUA Insured3.8 (10 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1952

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

Membership Eligibility

Anyone who lives, works, or worships in or around Westfield, NY may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1952

Low-Income Designated

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

19-21 E MAIN ST

Westfield, NY 14787

Google Maps 🗺Waze

(716) 326-3858

Service Area

This credit union is located in Westfield and serves members in the NY area. Currently serving 10,474 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

5.33%

Used Auto Loan

7.10%

Personal Loan

10.03%

Credit Card APR

11.36%

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(6 total)

Member Reviews

3.8

10 Google reviews

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

View on Google Maps

Margie Gullo

4 months ago

I've had an account there for 2 years. Get almost 5k deposited a month. My account went in the negative for one day , and they disabled my account. Never seen anything like this ever. Do yourself a favor and bank somewhere else!

Jaime Lintz

4 years ago

There was a storm which knocked out the entire towns power, so we are unable to access our account or use our debit cards and the bank spent the entire day with their fingers crossed hoping it would be fixed. At 3pm they decided to “try” to get the server running with a generator. Should’ve been doing that at 8am! Choose a bank that appreciates its customers not this one!

James Schroeder

3 years ago

The bank always has issues with their computer system. I have direct deposit and it doesn’t go in the account till late in the morning where my other accounts deposit at 2 am . They are zero help if you need anything especially Paula she’s useless and horrible customer service