--- title: "Finger Lakes Health Care Credit Union Rates (Nov 2026): Auto 4.49%" description: "Finger Lakes Health Care Credit Union rates today: auto loans from 4.49% APR, savings & CDs up to 1.66% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Finger Lakes Health Care Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/finger-lakes-health-care" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Finger Lakes Health Care Credit Union Rates (Nov 2026): Auto 4.49% ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | 4.490% APR | 4.490% | new | Standard | Finger Lakes Health Care Credit Union auto & vehicle rates as of November 12, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Five Year Cert** savings | 1.66% APY | 1.66% | — | Standard | Finger Lakes Health Care Credit Union savings & cd rates as of November 12, 2026 Auto loans available from 4.49% APR. Savings and certificate yields up to 1.66% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/finger-lakes-health-care) , verified from [Finger Lakes Health Care Credit Union's official website](https://www.flfcu.org/) Best product position **Better than the New York median** new-car loan Gap to state best **50 bp** 50 bp from state best Vs. state median **100 bp better than median** new-car loan Products ranked **1** across tracked New York markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 4.49% | Better than the New York median | 50 bp from state best | 100 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Finger Lakes Health Care Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=finger-lakes-health-care&state=new-york&code=NY&name=Finger%20Lakes%20Health%20Care%20Credit%20Union) Loading branch locator… ## About Finger Lakes Health Care Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.5K Assets $35M Founded 1973 Locations reported 1 NCUA charter 21294 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Empower** Elmira · Elmira · NY · 14901 About 1.8 miles away](https://rateapi.dev/credit-unions/new-york/empower) [**Visions** Elmira · Elmira · NY · 14901 About 1.8 miles away](https://rateapi.dev/credit-unions/new-york/visions) [**Solutions** main/only office · Elmira · NY · 14904-2501 About 2.2 miles away](https://rateapi.dev/credit-unions/new-york/solutions) [**Corning** Elmira High School Branch · Elmira · NY · 14904 About 2.7 miles away](https://rateapi.dev/credit-unions/new-york/corning) [**First Heritage** Elmira Heights · Elmira Heights · NY · 14903 About 3.1 miles away](https://rateapi.dev/credit-unions/new-york/first-heritage) [**Servu** Corning · Corning · NY · 14830-2618 About 11.5 miles away](https://rateapi.dev/credit-unions/new-york/servu) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Finger Lakes Health Care Credit Union Membership eligibility from Finger Lakes Health Care Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Finger Lakes Health Care Credit Union's website. Check the membership page below to confirm whether you qualify. - Location ontario, monroe, seneca, yates — NY - Association organizations of such persons Verified from [Finger Lakes Health Care Credit Union's membership page](https://www.flfcu.org/belong/membership/how-to-join) . Final membership determination is always made by the credit union. ## Membership rules for Finger Lakes Health Care Credit Union Geography 4 counties · Associations · Family 2 19 published paths to membership, last verified August 22, 2026, quoted from Finger Lakes Health Care Credit Union’s own published criteria. ### Geography 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Monroe County, NY - Ontario County, NY - Seneca County, NY - Yates County, NY “Individuals who live, work (or regularly conduct business), worship, or attend school in, and businesses and other legal entities located in Ontario, Monroe, Seneca, or Yates counties.” > [source ↗](https://www.flfcu.org/belong/membership/how-to-join) ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Member of Organizations of such persons “organizations of such persons” > [source ↗](https://www.flfcu.org/belong/membership/how-to-join) - Member of Organizations of such persons ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member immediate family, household member “members of their immediate family or household” > [source ↗](https://www.flfcu.org/belong/membership/how-to-join) - Family member (immediate family, household member) of a member - Family of a member spouse “Spouses of persons who died within the field of membership of this Credit Union” > [source ↗](https://www.flfcu.org/belong/membership/how-to-join) - Family member (spouse) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Finger Lakes Health Care Credit Union? Yes No ## Work at Finger Lakes Health Care Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Finger Lakes Health Care Credit Union ranks against New York peers. - See which AI assistants fetched Finger Lakes Health Care Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=finger-lakes-health-care&state=new-york&code=NY&name=Finger%20Lakes%20Health%20Care%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Finger Lakes Health Care Credit Union offer? Finger Lakes Health Care Credit Union currently offers Auto loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Finger Lakes Health Care Credit Union rates updated? RateAPI verifies Finger Lakes Health Care Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Finger Lakes Health Care Credit Union's rate data? Rate data is collected directly from Finger Lakes Health Care Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Finger Lakes Health Care Credit Union's auto loan rates? As of November 12, 2026, Finger Lakes Health Care Credit Union offers auto loans from 4.49% APR. ### What is Finger Lakes Health Care Credit Union's best CD rate? As of November 12, 2026, Finger Lakes Health Care Credit Union offers savings and certificate (CD) yields up to 1.66% APY. ### Who can join Finger Lakes Health Care Credit Union? Finger Lakes Health Care Credit Union publishes its membership criteria on its own website. RateAPI tracks 19 published membership paths covering 4 counties and 1 association for Finger Lakes Health Care Credit Union, each quoted from Finger Lakes Health Care Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Finger Lakes Health Care Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.flfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Finger Lakes Health Care Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Finger Lakes Health Care Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /finger-lakes-health-care " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Finger Lakes Health Care Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/finger-lakes-health-care Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp