Empire One Cheektowaga NY Credit Union | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to Empire One, your trusted financial partner located at 2345 William St, Cheektowaga, NY 14206. Since our establishment in 1935, we have been dedicated to providing exceptional financial services to our community, fostering a sense of belonging and trust among our 5,096 members. At Empire One, we pride ourselves on our solid financial standing, boasting total assets of $77,676,673 and total deposits amounting to $7,638,758. Our net worth currently stands at an impressive $8,261,758, reflecting our commitment to maintaining a stable and secure environment for our members' finances. With a cash reserve of $1,504,512, you can rest assured that your funds are in safe hands. Led by our CEO, Kelly Seiser, and Board President, Louis McDonald, our team of 15 dedicated employees is here to assist you with a range of services tailored to meet your financial needs. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, we are here for you every step of the way. While members can visit us at our branch location for in-person service or to take advantage of our drive-thru banking options, official correspondence should be directed to the same address: 2345 William St, Cheektowaga, NY 14206. Explore the wealth of options available through our online services at Empire One FCU where you can access mobile banking and more. We invite you to call us at 716-854-2458 for any inquiries or assistance. Your financial journey starts here at Empire One where community meets convenience!

Branch History & Mission

Join Us

As we look forward to the future, we invite you to become part of our growing family at Empire One. Whether you're looking for a reliable checking account or need assistance with your first home purchase, our dedicated team is here to help you every step of the way. Experience the benefits of membership today contact us at 716-854-2458 or visit our website at Empire One for more information on how you can join us!

Our Journey

Over the years, Empire One has evolved significantly to meet the changing needs of our community. We began with a simple mission: to provide accessible financial services to our members while fostering a sense of belonging and support. Today, we are proud to offer a wide range of services including personal banking, auto loans, mortgage financing, and business banking solutions. Our commitment to innovation has led us to embrace digital advancements, making banking easier for our members through online and mobile platforms. We ensure that everyone can access our services with ease by maintaining ADA compliance across all our facilities.

Our Mission

At Empire One, we believe in the power of community. Our mission is not just about offering financial products; it's about making a real impact in the lives of our members. We strive to empower individuals and families by providing them with tools for financial success and stability. Through partnerships with local organizations and various outreach programs, we actively contribute to the betterment of Cheektowaga and its surroundings. While members can visit us at 2345 William St for all their banking needs including utilizing our ATM and drive-thru services official correspondence should be sent to the same address for consistency.

Branch Location & Accessibility

Welcome to the Empire One Credit Union, your friendly financial partner located conveniently at 2345 William St, Cheektowaga, NY 14206. Nestled in Erie County, our branch is easy to access and just a stone's throw away from the bustling Cheektowaga Town Park, making it a familiar spot for locals. At Empire One, we understand that accessibility is key. Our branch features ADA-compliant facilities, including ramps and designated parking spaces, ensuring everyone can visit us comfortably. Plus, with our drive-thru banking service available, you can complete your transactions without ever leaving your vehicle perfect for those busy days! Whether you're popping in for personal banking services like checking and savings accounts or exploring options for auto loans and mortgages, our dedicated team is here to assist you during our welcoming operating hours. We're open Monday and Wednesday from 9 AM to 4 PM, Thursday and Friday from 9 AM to 5 PM, and Saturday mornings from 8:30 AM to noon. Please note that we are closed on Tuesdays. For your convenience, we also have an ATM on-site for quick cash withdrawals and balance checks. If you prefer handling your finances from home or on the go, our online and mobile banking services are designed to make managing your money easy. While you can visit us at the branch for all your banking needs, please send any official correspondence to the same address: 2345 William St, Cheektowaga, NY 14206. We invite you to stop by or give us a call at 716-854-2458. Our team is eager to help you achieve your financial goals!

Member Eligibility

Becoming a member of Empire One feels like stepping into a welcoming community where your financial needs are truly valued. To join us at our branch located at 2345 William St Cheektowaga Ny 14206, you need to meet some simple eligibility criteria. If you live, work, or worship in the area, or if you have family members who are already part of our credit union, you're likely eligible! We believe in making banking accessible and personal for everyone. For the latest and most detailed information on membership requirements, feel free to check out our eligibility page. Joining Empire One opens the door to a variety of financial products and services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, we're here to support your journey. The account opening process is straightforward and friendly; if you have any questions or need assistance, don't hesitate to reach out at (716) 854-2458. We're excited to welcome you into our growing family!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine being able to accept payments easily, manage transactions seamlessly, and enhance customer satisfaction all at your fingertips. Our merchant services enable you to do just that. With our solutions, you can streamline operations while focusing on what matters most: growing your business. From credit card processing to point-of-sale systems, we provide tools that help you thrive in today's competitive marketplace. Located at 2345 William St Cheektowaga Ny 14206 in Cheektowaga, NY, our team is ready to partner with you on your journey to success. Reach out at (716) 854-2458 to learn more about how we can support your business goals!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For those running a business, we have tailored services just for you. Our business banking solutions include essential merchant services that simplify transactions for your customers and flexible business loans to help grow your operations. We understand the unique challenges businesses face, which is why our team is here to support you every step of the way.

Digital Banking Convenience

In today's fast-paced world, convenience is key. With our robust online and mobile banking platforms, managing your finances has never been easier. You can check balances, transfer funds, pay bills, and even engage in person-to-person payments right from your device. Additionally, our ATMs provide basic cash withdrawal services and balance checks whenever you need them.

In-Branch Services

While digital banking makes things convenient from anywhere, sometimes visiting us in person is necessary. At Empire One, we offer basic drive-thru banking for quick deposits, withdrawals, and simple transactions without needing to step inside. Our friendly staff is always ready to assist with any inquiries or financial advice. If you're ready to explore how Empire One can meet your financial needs or if you have questions about our services, please don't hesitate to call us at 716-854-2458. We invite you to visit us at our branch or check out our website here for more information on becoming a member today!

Lending Options

Life can throw unexpected expenses your way, and that's why we offer personal loans and debt consolidation services. These products can help you consolidate your debts into one manageable payment or fund personal projects without the stress of high-interest rates. Plus, our credit cards with rewards allow you to earn points on everyday purchases, giving you extra benefits while you spend.

Personal Banking Solutions

Whether you're just starting out or looking to expand your financial portfolio, we offer various personal banking options. Open a checking or savings account with us to enjoy features like easy online access and competitive interest rates. If you're in need of a vehicle, our auto loans and vehicle financing options are designed to make your car-buying experience straightforward. We also provide mortgage loans and refinancing solutions that can assist you in purchasing a new home or making your current mortgage more manageable.

Digital & Online Banking

Key Features

Our 24/7 online banking services allow you to check your account balances, pay bills, and transfer money anytime you need. You won't have to wait for business hours; your finances are just a click away. Plus, with e-statements, you can view your account statements online, helping you stay organized while reducing paper clutter. Need to send money to a friend? Our person-to-person transfers make it easy and fast just a few taps on your mobile device, and you're done! For those who prefer using their phones for payments, our mobile payments feature lets you pay directly from your smartphone at participating retailers. And speaking of phones, don't forget to check out our mobile application! It puts all the power of online banking in the palm of your hand. With just a few swipes, you can manage your accounts, deposit checks using electronic signatures, and even set up alerts for important transactions.

Security and User Experience

We take security seriously. Our electronic signature authorization ensures that your transactions are safe and secure, giving you peace of mind while banking online. Our platform is user-friendly, so whether you're tech-savvy or new to digital banking, you'll find it easy to navigate. With the many ways to manage your money digitally at Empire One, staying on top of your finances has never been easier or more secure. Join us today and discover how our digital services can enhance your banking experience!

Financial Strength

Member-Centric Savings Options

Members' savings are secured through $328,266 in share certificates and $8,037,743 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $8,261,758, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,064 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Earnings for Better Services

With $8,349,505 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our $-124,697 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $639 in used auto loans and $31,482,856 in total loans and leases. We also take pride in having 13 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 8,685, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Empire One is your trusted partner. Visit us at 2345 William St Cheektowaga Ny 14206 or call (716) 854-2458 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $10,914,121 in used vehicle loans and $6,080,357 in new vehicle loans already helping members get on the road. We provide financing options tailored to your budget and lifestyle, making it easier than ever to drive away in your dream vehicle.

Credit Lines

Our total credit lines amount to $4,030,000, providing you with access to funds whenever you need them. This is an excellent option for those who prefer the flexibility of borrowing as needed rather than taking out a lump sum loan. If you're considering refinancing any existing loans or are unsure about eligibility for our products, our team is here to help clarify your options and walk you through the process. For any questions or to discuss which loan product might be best for you, please feel free to reach out at 716-854-2458. We're located at 2345 William St Cheektowaga NY 14206 and are ready to assist you during our operating hours: Monday & Wednesday from 9 am to 4 pm, Thursday & Friday from 9 am to 5 pm, and Saturday from 8:30 am to 12:00 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Empire One, we're committed to helping our members secure their financial futures with confidence. Explore our loan offerings today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $349,151, make buying or refinancing simple. We guide you through the process every step of the way, ensuring you understand your choices and find the right fit for your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,593,775 in loans helping members manage their finances effectively. Enjoy competitive rates and rewards that can enhance your purchasing power while keeping your financial health in check.

Loan Aggregator

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Real-Time Rate Comparisons

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Verified Data

Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information they see reflects real-time rates from reputable lenders.

EMPIRE ONE FEDERAL CREDIT UNION - Cheektowaga, NY