Empire One Credit Union West Seneca NY | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Empire One, your trusted partner in financial wellness, conveniently located at 3020 Orchard Park Rd, West Seneca, NY 14224. Since our establishment in 1935, we have proudly served our community with a commitment to providing exceptional banking services tailored to the needs of our 5,241 members. With total assets exceeding $77,485,506, we focus on empowering our members through a range of financial products designed for every stage of life. At Empire One, we understand that your financial journey is unique. That's why we offer personalized solutions including checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Our dedicated team of 15 employees, led by CEO Kelly Seiser and Board President Louis McDonald, is here to ensure you receive the support you need. Our branch features modern conveniences such as online and mobile banking options, making it easier than ever for you to manage your finances on-the-go. Whether you need help with personal loans or business banking services, we're ready to assist you. While members can visit us at 3020 Orchard Park Rd, official correspondence should be sent to the same address as our mailing address is identical. If you have questions or want to explore how we can help enhance your financial future, don't hesitate to reach out at 716-854-2458. We're excited to welcome you into the Empire One family!

Branch History & Mission

Community Focus

Empire One isn't just about banking; it's about building relationships. We take pride in partnering with local organizations and participating in community outreach efforts. Whether it's hosting financial literacy workshops or sponsoring local events, we are dedicated to making a positive impact in West Seneca. As we look toward the future, we remain committed to embracing digital advancements that enhance member experiences while ensuring accessibility for all individuals. With features like online banking and mobile payments available at your fingertips, managing your finances has never been easier. We invite you to join the Empire One family today! Experience firsthand the benefits of membership where you're not just another number; you're part of a community that truly cares about your financial well-being. Reach out at 716-854-2458 or visit us online at Empire One for more information on how you can become part of our mission-driven credit union!

Our Journey

From our inception, Empire One has focused on providing exceptional financial services while fostering a strong sense of community. Our journey reflects not only growth in membership and assets but also an unwavering commitment to serving those around us. As the years rolled on, we embraced changes and advancements in the financial landscape. Today, we offer a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and even business banking solutions.

Our Mission

The mission of Empire One is simple yet powerful: to empower our members by providing them with the tools they need for financial success while actively supporting our local community. We believe that when our members thrive, so does our community. This commitment drives us to offer competitive rates and personalized services designed to meet individual needs. While you can visit us at 3020 Orchard Park Rd, official correspondence should be sent to our mailing address at the same location for your convenience. Our branch operates Monday through Thursday from 8:30 AM to 4:30 PM and Friday from 9:00 AM to 5:30 PM. We also provide convenient ATM access and drive-thru banking for those who prefer quick transactions.

Branch Location & Accessibility

Additional Features

For those on the go, we also offer ATM availability right at our branch. You can easily withdraw cash or check your balance anytime during our operating hours. If you need to send official correspondence, please note that while you can visit us at the same address for all your banking needs, any mail should be directed to our mailing address at 3020 Orchard Park Rd, West Seneca, NY 14224. We invite you to visit us or give us a call at 716-854-2458 if you have any questions or need assistance. At Empire One, we're here to support your financial journey every step of the way!

Operating Hours & Services

Our doors are open Monday through Thursday from 8:30 AM to 4:30 PM and on Friday from 9:00 AM to 5:30 PM, making it easy for you to find a time that fits your schedule. With services ranging from personal banking accounts and auto loans to mortgage options and credit cards with rewards, we have something for everyone. Plus, our drive-thru service allows for quick deposits and withdrawals without leaving your vehicle!

Parking & Accessibility

At Empire One, we understand that accessibility is important. Our branch features ample parking space and is compliant with ADA standards, ensuring that everyone can visit us comfortably. Whether you're coming in for a quick transaction or to discuss your financial goals, we strive to make your experience as smooth as possible.

Member Eligibility

Welcome to the Empire One family! Becoming a member at Empire One is like joining a supportive community where your financial well-being is our top priority. To be eligible for membership, you'll need to meet a few simple criteria. Generally, if you live, work, worship, or attend school in the Erie County area, you're likely qualified. We're committed to making banking accessible for everyone, so even if you have specific circumstances, we encourage you to reach out and see how we can help. For detailed eligibility information, please check out our resource at https://empireonefcu.org/membership-faqs/ . Opening an account with us is straightforward and welcoming. You can start your journey by visiting us at 3020 Orchard Park Rd West Seneca Ny 14224, or feel free to call us at (716) 854-2458 with any questions you may have. Our friendly team is here to guide you through the process and ensure that your experience is as smooth as possible. Join us today and take advantage of all the great benefits that come with being part of Empire One!

Business Banking & Commercial Services

Business Loan Options

We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Imagine having the capital to purchase new equipment or hire additional staff these loans can provide the boost you need to reach your goals. We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions for those who may not yet be part of our credit union family.

Merchant Services

In addition to loans, we offer merchant services designed to simplify your transactions. Picture this: a busy Saturday at your shop where every second counts. With our efficient payment processing solutions, you can serve customers faster and keep them happy without delays at checkout. This translates into higher sales and happier customers something every business owner strives for. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Join us at Empire One located at 3020 Orchard Park Rd West Seneca Ny 14224 in West Seneca, NY, and let's work together to build a brighter future for your business!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing solutions make the process simple and affordable. We offer competitive rates that help you get behind the wheel without breaking the bank. Picture yourself driving off in that car you've always wanted, with flexible payment options tailored just for you.

Business Banking

If you're a business owner, you'll appreciate our comprehensive business banking services. From merchant services that streamline transactions to tailored business loans that help grow your operations, we understand what it takes to succeed in today's market.

Convenient Access

We believe that banking should be easy and accessible for everyone. That's why we offer features like ATM access, allowing you to withdraw cash or check balances conveniently whenever needed. Additionally, our drive-thru service enables quick deposits and withdrawals without leaving your vehicle. In this digital age, we know how important it is for our members to stay connected. That's why we provide robust online and mobile banking options, including person-to-person payments and electronic statements. Manage your finances on-the-go with just a few taps on your smartphone! If you're ready to explore how Empire One can assist with all your financial needs, don't hesitate to reach out! Call us at 716-854-2458 or visit us at our branch in West Seneca. We're excited to help you achieve your financial goals!

Credit Cards with Rewards

Our credit cards with rewards are perfect for those who want to earn while they spend. Enjoy cashback offers or rewards points on every purchase made with our credit card, turning everyday expenses into exciting benefits.

Home Financing

For those looking to settle into their dream home or refinance an existing mortgage, our mortgage loans and refinancing services provide excellent opportunities. Our team is here to guide you through every step of the process, ensuring that your journey to homeownership is smooth and stress-free.

Personal Banking

One of the cornerstones of our offerings is personal banking. We provide various checking and savings accounts designed to meet your everyday needs. Imagine having an account that not only helps you manage your daily expenses but also allows you to save for special occasions. With our online and mobile banking options, you can access your accounts anytime, anywhere, making it easy to keep track of your finances.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. That's why we offer personal loans and debt consolidation services. Whether it's for medical bills, emergencies, or consolidating high-interest debts into one manageable payment, we're here to help ease your financial burdens.

Digital & Online Banking

Convenient Payment Options

Need to send money to friends or family? Our person-to-person transfer feature makes it simple and fast. You can send cash directly from your account using just their email or phone number no hassle involved! If you love the ease of making payments with your phone, you'll appreciate our mobile payments feature. Whether you're buying coffee or shopping for groceries, pay securely with just a tap. At Empire One, we're committed to providing accessible and easy-to-use services that help you manage your money effectively. Join us today and experience the freedom of digital banking!

Online Banking Features

Our online banking platform is user-friendly and packed with features that put you in control. You can easily check balances, transfer funds, and pay bills all from the comfort of your home or on the go. If you prefer using your smartphone, our mobile application is also available, giving you the same robust features right at your fingertips. Security is a top priority for us. We offer electronic signature authorization for transactions, ensuring that your sensitive information is protected while allowing you to complete necessary paperwork quickly and efficiently. Plus, e-statements are readily available, so you can go green while keeping track of your finances without the clutter of paper statements.

Financial Strength

Commitment to Member Service

Our dedication to serving you extends beyond numbers. With $8,282,759 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We're proud to provide $591 in used auto loans and $30,847,327 in total loans and leases, supporting your financial goals across various sectors.

Growing Member Base

Total Share and Deposit Accounts: 8,925, showing a strong and growing member base that trusts us with their finances. This trust is the cornerstone of our community-focused mission. 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 3020 Orchard Park Rd West Seneca Ny 14224 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.

Operational Efficiency

Our $116,068 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 12 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $360,359 in share certificates and $8,628,901 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 $8,435,777, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,089 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $9,681,577 in used vehicle loans and $5,817,429 in new vehicle loans already helping members get on the road. Whether it's for a brand-new model or a reliable used car, our financing options are designed to fit your budget.

Credit Lines

For those who prefer more flexibility in their borrowing options, our total credit lines available amount to $4,030,000. This can be a great resource for managing unexpected expenses or funding larger purchases without the hassle of applying for multiple loans.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $390,285, make buying or refinancing simple. We offer competitive rates and flexible terms that cater to both first-time homebuyers and those looking to refinance existing mortgages.

Refinancing Options

If you're considering refinancing any current loans or mortgages, we have options available that could lower your monthly payments or help you pay off your debt faster. Be sure to ask about eligibility requirements and how we can assist you in making this process as smooth as possible. At Empire One, we're dedicated to helping our members succeed financially. Explore our loan products today and see how we can assist you in reaching your financial goals. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Ready to take the next step? Visit us at our branch or check out our website here for more details!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,590,954 in loans helping members manage their finances effectively. These cards provide you with the purchasing power you need while offering rewards that can benefit your everyday spending.

Loan Aggregator

Building Trust Through User Experience

Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights how the platform effectively aids individuals in navigating their financing options. By focusing on transparency and reliability, LendMesh stands out as a trusted resource for those seeking the best loan rates available. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment ensures that users receive fair and transparent offers tailored to their specific needs. LendMesh takes pride in its approach to maintaining accuracy and integrity in loan comparisons: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions.

EMPIRE ONE FEDERAL CREDIT UNION - West Seneca, NY