EMPOWER FEDERAL CREDIT UNION

Welcome to Empower, your trusted credit union located at 120 Main St, Binghamton, NY 13905. Since our establishment in 1939, we have been dedicated to serving our community with a focus on financial well-being and personal service. With a total membership of 277,374 and assets exceeding $3,759,853,763, we are proud to be a pillar of support for families and businesses in the area. At Empower, we understand that every financial decision impacts your life, which is why we offer a range of services tailored to meet your needs whether you're looking for checking and savings accounts, auto loans, or mortgages. Our commitment is reflected in our total deposits of $238,547,679 and our ability to provide loans to over 164,278 members. We take pride in our strong net worth of $365,681,043, ensuring that you can trust us with your financial future. Led by our CEO Ryan McIntyre and Board President Patrick Piscitelli, Empower has built a team of over 581 employees who are ready to assist you. Our dedicated staff is here to help you navigate through your financial journey with ease. While members can visit us at our Binghamton location, official correspondence should be sent to our mailing address at PO Box 11127, Syracuse, NY 13218-1127. We invite you to explore more about what we offer by visiting our website at empowerfcu.com. Join us at Empower where your financial success is our priority! Feel free to call us at 315-477-2200 for any inquiries or visit us during lobby hours: Monday to Friday from 9:00 am - 5:00 pm and Saturday from 9:00 am - 1:00 pm. Let's work together towards achieving your financial goals!

Welcome to the rich history and mission of Empower, located at 120 Main St, Binghamton, NY 13905. Since opening our doors in 1939, we have been dedicated to serving our community with integrity and commitment. Over the decades, Empower has grown from a small credit union into a robust financial institution with total assets exceeding $3.75 billion and a membership base of over 277,000 individuals. Our journey began during a time when local communities needed support and reliable financial services. From these humble beginnings, we have evolved to meet the diverse needs of our members while maintaining our core values of trust and community focus. We are proud to serve not just as a financial partner but as a steadfast ally in the lives of our members. At Empower, our mission is clear: to enhance the financial well-being of our members through exceptional service and innovative solutions. We offer a wide range of services, including personal banking options like checking and savings accounts, auto loans, mortgage loans, personal loans, business banking services, and more. Our goal is to ensure that every member feels supported on their financial journey. We also understand the importance of accessibility. That's why we provide convenient services such as online and mobile banking, ATMs for easy cash withdrawals, and drive-thru banking for quick transactions. Our operating hours are designed with your needs in mind our lobby is open Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. For those who prefer drive-thru service, we are available during similar hours. While members can visit us at our branch address for any financial inquiries or assistance, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127 if different from our main address. Empower also takes pride in its community outreach efforts. We actively participate in local initiatives that support education, health, and welfare within Binghamton and surrounding areas. By partnering with various organizations, we strive to uplift those around us and foster a sense of belonging among our members. As we look toward the future, we remain committed to delivering personalized financial solutions while continuing to adapt to changing times. With cutting-edge technology that ensures ADA compliance and enhances customer experience through digital advancements like e-statements and mobile payments, we make managing finances easy for everyone. Join us at Empower today! Experience firsthand how we can help you achieve your financial goals while being an integral part of your community. Together, let's build a brighter future! If you have any questions or want more information about membership benefits or account opening procedures, feel free to reach out at 315-477-2200 or visit us online at Empower.

At Empower, we believe that becoming a member is more than just opening an account; it's about joining a caring community where you can thrive. If you're wondering how to become part of our family at Empower, it's quite simple! We welcome individuals who live, work, worship, or attend school in the areas we serve. This means if you're part of our local community, you're eligible to join us. You can check out the detailed eligibility criteria on our website at http://www.empowerfcu.com/about-us/membership-benefits . Once you know you're eligible, opening an account is a breeze! Just visit us at 120 Main St Binghamton Ny 13905 or start the process online through this link: https://my.empowerfcu.com/registration . Our team is here to guide you every step of the way and answer any questions you might have. Feel free to call us at (315) 477-2200 if you need assistance or want to learn more about the benefits of being a member. Together, let's build a brighter financial future!

At Empower, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's world, knowing your financial institution is strong and reliable is essential. That's why we are proud to share insights about our robust financial position. With a net worth of $365,681,043, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 971 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $917,404,875 in share certificates and $623,512,499 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $409,669,858, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $317,235,978 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $31,778 in used auto loans and a total of $2,972,132,037 in loans and leases. Our operational efficiency is highlighted by our impressive net income of $29,971,164, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 579 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable team dedicated to your needs. Net Shares (Funds available for lending and investments) stand at $10,138,458 while the total number of share accounts reflects the trust placed in us by our community: 548,791 accounts. This growing member base showcases the confidence individuals have in Empower as their credit union of choice. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing or planning for the future, Empower is your trusted partner. Visit us at 120 Main St Binghamton NY 13905 or call 315-477-2200 to learn more about how we can help you achieve your financial goals.