Skip to Main Content

News & Information

For October and November, we are giving away gas cards with our vehicle loans!

Vehicle Loans Promo

Come in for a 'new money' vehicle loan (purchased vehicles or refinanced from another lender) and we'll give you a free gas card with your new loan!

  • $125 card for loans over $30,000
  • $100 card for loans between $20,000 and $30,000
  • $75 card for loans between $10,000 and $20,000
  • $50 card for loans between $5,000 and $10,000

Simple and fun! Contact us today!

2021 College Scholarship Program

Vehicle Loans Promo

Inner Lakes is offering college-bound high school seniors the opportunity to compete for both statewide and credit union-wide college scholarships.

Inner Lakes will award a total of 8 scholarships (in the amounts of $1,500, $1,500, $1,000, $1,000, $750, $750, $500 and $500) and may be used at a two- or four-year accredited educational institution. The due date for submission is January 8, 2021.

Instructions on the application process are here.

The scholarship application process is entirely online this year. You can find the application at:

To submit your completed application please go to: You will need to submit three separate files (either pdf or Word document).

  • Scholarship Application
  • High School Transcript and SAT/PSAT/ACT Scores
  • Essay

You will also need a verification code from Inner Lakes. Please email for the verification code.

Special instructions: If a student has not been able to take either the SAT, PSAT or ACT due to COVID-19 restrictions, you should still submit your application. Also, you can include sports that you are planning to play this year that might have been cancelled. You can also do the same for this year if your fall sports have been moved to the spring.

Remote Deposit Capture (RDC)

Remote Deposits

What is this new service, Remote Deposit Capture (RDC)?

RDC allows Inner Lakes members to take a picture of a check and upload it directly to their account for deposit.

What are the details?

Simply open the Inner Lakes mobile app, log into your account, and click on the “Deposit” button. The first time you do this, you will have a simple electronic sign-up form to complete and submit. We will then notify you that this free service is now available to you. After that, when you hit the “Deposit” button, you will simply type in the amount of the check, and then snap a picture of the check itself (front and back). When we receive a check image from you, we’ll post the deposit to your account.

What are the benefits?

  • Saves time
  • Completely free
  • Available to all our members
  • Convenient
  • Simple to use
  • Secure transfer
  • You have the ability to use it anytime, from anywhere

We've Joined Forces!

James Town

As a member of Inner Lakes you can now do the following transactions at any JACFCU branch:

  • Cash and check deposits (no dollar limit)
  • Cash and check withdrawals (verification and limits apply)
  • Check cashing (verification and limits apply)

The JACFCU branch locations that are now available to you for these types of transactions are:

  • 915 East Second Street, Jamestown
  • 121 Chautauqua Avenue, Lakewood
  • 71 Main Street, Randolph
  • 7 North Pearl Street, Frewsburg
  • 1 East Main Street, Panama

Just find the green-colored poster that details this service, labeled “We’ve Joined Forces”. Complete the transaction slip that is provided next to the poster. Then take that slip to the teller and your transaction will be performed and posted to your account with Inner Lakes.

A member taking advantage of this service must provide a picture ID and a document that clearly shows their Inner Lakes account number (such as a membership card, a recent receipt, or a recent statement).