A memory cell is formed on a semiconductor substrate having an upper surface with a plurality of upwardly extending fins. First and second fins extend in one direction, and a third fin extends in an orthogonal direction. Spaced apart source and drain regions are formed in each of the first and second fins, defining a channel region extending there between in each of the first and second fins. The source regions are disposed at intersections between the third fin and the first and second fins. A floating gate is disposed laterally between the first and second fins, and laterally adjacent to the third fin, and extends along first portions of the channel regions. A word line gate extends along second portions of the channel regions. A control gate is disposed over the floating gate. An erase gate is disposed over the source regions and the floating gate.