Member Services

Finger Lakes Health Care Federal Credit Union provides members with an assortment of services. Whether you prefer the convenience of technology with our online and automated services or the personal touch, Finger Lakes Health Care Federal Credit Union's dedicated employees are here to help our members.

Finger Lakes Home banking

Real Time Home Banking

Bank on your time with access to all of your finances wherever you are.

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Finger Lakes mobile banking

Stay Connected

Take your finances with you with our new mobile applications.

Finger Lakes iPhone app Finger Lakes android app
Finger Lakes e-statements

Go Paperless

Get monthly electronic statements delivered to you through homebanking.

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Every member has a reason (or reasons) to save. FLHC FCU has a savings just for you. All you have to do is maintain a balance of at least $10. With that, you’re eligible for many different savings accounts and types.

  • We can open multiple savings accounts under the same account number and label them any way you’d like. You can have one for “Vacation,” one for “Taxes,” or even one for a “Pet Fund.”
  • With an average daily balance over $50, you’ll earn the applicable interest rate
  • There are no monthly fees with any savings accounts
  • We offer quarterly statements


We offer varying terms and rates for Certificates of Deposit. The minimum balance for a CD is $1000.


To help with your retirement needs, we offer Individual Retirement Accounts. We offer IRA share accounts and IRA CD accounts.


NO monthly fees and NO minimum balance!

Visa Debit Cards

  • Free to all members with a checking account
  • Can be used anywhere Visa is accepted
  • ATM access to savings and checking with a PIN
  • 24/7 fraud monitoring
  • Card printer in the office to quickly replace a stolen card

Electronic Bill Payment

  • Free to all members with a checking account
  • Ability to set up one time or recurring payments
  • Ability to pay bills, a person, a company
  • Send money electronically, by check or to anyone's email address


Finger Lakes Health Care FCU offers a variety of loans to suit the many needs of our members. We offer competitive interest rates (credit risk based), a variety of repayment terms, convenient biweekly or monthly due dates, payment coupon books or the ability to make automatic transfers to the loan on the due date.
Use the Loan Application available on this website to apply for our Visa Credit Card or an unsecured, personal, automobile, other collateral (ATV, boat, camper, tractor, etc.) loan.

Home Equity

If you are looking for a loan to remodel your home, pay for college tuition or payoff high interest credit cards, a Home Equity Loan might be just what you need. They can help with just about any purpose!
Home Equities are available at interest rates as low as 2.75% with convenient terms up to 15 years.
There is even an option of FREE CLOSING COSTS.
The process is quick with a short turn-around time (in most cases). Interest rates vary by credit risk and repayment term.
For full details, contact Libby at or 607-733-1304.


FLHC FCU has partnered with Owner’s Choice Funding (formerly CUC Mortgage Corporation) to offer first mortgages to our members. Please visit their website or contact them at (800)-342-4998.

Bi-weekly Loan Calculator