Empower Credit Union Central Square NY | Best Auto Loans & Business Banking

Introduction

Welcome to Empower, your trusted credit union located at 3056 East Ave, Central Square, NY 13036. Established in 1939, we have been dedicated to serving our community with reliable financial solutions for over eight decades. With a strong membership base of 277,374 members and total assets of $3,759,853,763, we pride ourselves on fostering a supportive environment where every member feels valued. At Empower, we offer a variety of services tailored to meet your needs, including personal banking, auto loans, mortgage loans, and business banking solutions. Our commitment to excellence is reflected in our impressive total deposits of $238,547,679 and net worth of $365,681,043. We understand the importance of financial stability and are here to help you achieve your goals. Our CEO, Ryan McIntyre, along with Board President Patrick Piscitelli, leads a team of 581 dedicated employees who are passionate about helping you navigate your financial journey. Whether you're looking for straightforward banking options or more complex services like loans and credit cards with rewards, we've got you covered. While members can visit us at our branch location for personal assistance during lobby hours (Monday to Friday from 9:00 am to 5:00 pm), official correspondence should be directed to our mailing address: PO Box 11127, Syracuse, NY 13218-1127. We invite you to explore our offerings further by visiting our website at Empower. Our friendly staff is ready to assist you feel free to give us a call at 315-477-2200 for any inquiries or to set up an appointment. Join us today and experience the Empower difference!

Branch History & Mission

Community Focus

We take pride in our active role within the community. From educational workshops to local partnerships aimed at enhancing financial literacy, Empower is committed to giving back and ensuring that all members have the resources they need to thrive. Our outreach programs make a real difference in people's lives. In addition to traditional services, we embrace digital advancements such as online and mobile banking options. These tools ensure that our members can manage their finances conveniently and securely from anywhere. Join us at Empower today! Experience firsthand how we can help you achieve your financial goals while being part of a caring community. Together, let's build a brighter financial future for everyone in Central Square and beyond. For more information or to become a member, please call us at 315-477-2200 or visit our website at Empower.

Our Commitment to Members

At Empower, we understand that banking goes beyond transactions; it's about building relationships and supporting our members' dreams and aspirations. Whether you are looking for personal banking options like checking and savings accounts or seeking assistance with auto loans and mortgage refinancing, we are here for you every step of the way. Our branch features convenient drive-thru banking and ATM availability, making it easy for you to access your funds when you need them. While members can visit us at our physical location, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127 if necessary.

Branch Location & Accessibility

Connect With Us

Got questions? Feel free to give us a call at 315-477-2200. We invite you to come by and see how Empower can help you achieve your financial dreams! We look forward to welcoming you soon!

Convenient Access

When you visit us, you'll find ample parking available, making it easy to stop by for a quick transaction or a longer chat about your financial goals. Our branch is fully ADA-compliant, ensuring that everyone can access our services comfortably. While members can visit us at 3056 East Ave, official correspondence should be sent to our mailing address at PO Box 11127, Syracuse, NY 13218-1127.

Operating Hours

We understand that your time is valuable. That's why our lobby is open Monday through Friday from 9:00 AM to 5:00 PM. For those who prefer drive-thru services, we offer extended hours from 8:30 AM to 5:30 PM on weekdays. Please note that we're closed on Saturdays.

Services Offered

At Empower, we provide a wide range of banking services tailored to meet your needs. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. Our dedicated team is also here to assist with business banking options and online services. Additionally, enjoy the convenience of ATM access and basic drive-thru banking for simple transactions such as deposits and withdrawals.

Member Eligibility

At Empower, we believe that everyone deserves a chance to be part of a caring financial community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Central Square area, you're likely eligible to join us. We also extend our membership to immediate family members of existing members, making it easy for your loved ones to enjoy the same benefits. By choosing Empower, you gain access to personalized banking services designed with your needs in mind, from checking accounts and auto loans to rewards credit cards. To get started on your journey with us, you can find all the detailed eligibility information at this link. Ready to open an account? It's as easy as visiting our registration page or giving us a call at (315) 477-2200. We're excited to have you join our family at Empower, located at 3056 East Ave Central Square Ny 13036!

Business Banking & Commercial Services

Loan Options That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $384 in commercial loans for our members, helping businesses scale and succeed. Imagine having access to the capital you need to purchase new equipment, hire more staff, or invest in marketing efforts that will take your business to the next level. Our loans are designed with your needs in mind.

Merchant Services That Simplify Transactions

In addition to loans, we offer robust merchant services that make handling payments straightforward. Picture this: a customer walks into your store, excited to buy your latest product. With our payment processing solutions, you can easily accept credit cards and mobile payments without hassle. This means faster checkouts and happier customers an essential combination for any thriving business! Empower is located at 3056 East Ave, Central Square, NY 13036. Whether you're looking for financing options or efficient payment solutions, our team is here to support you every step of the way. Reach out at 315-477-2200 to learn how we can help your business flourish!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our ATM services are readily available for withdrawals and balance checks. With ATMs conveniently located throughout the area, accessing your money has never been easier.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options can help make your dream car a reality. With competitive rates and flexible terms, you can drive off the lot with confidence. We understand that buying a car is a significant investment, so we strive to make the loan process as simple as possible.

Business Banking Services

For local business owners, we offer comprehensive business banking services, including merchant services and business loans. Empower understands the unique challenges businesses face, which is why we aim to provide financial solutions that foster growth and success.

Credit Cards with Rewards

Our credit cards with rewards allow you to earn points on everyday purchases. Imagine earning cash back or travel rewards simply by using your card for groceries or gas. It's an easy way to benefit from spending you already do!

Drive-Thru Banking

For those who prefer face-to-face interactions without stepping inside the branch, our drive-thru banking provides essential services like deposits and withdrawals right from your vehicle. We invite you to explore all these fantastic offerings at Empower, where our goal is to support your financial journey every step of the way. For more information about any of our services or to get started today, give us a call at 315-477-2200 or visit us online at Empower FCU. Let us help you achieve your financial goals!

Mortgage Loans & Refinancing

Owning a home is one of life's biggest milestones. At Empower, we provide mortgage loans and refinancing options designed to help you secure your perfect home or lower your current mortgage payments. Our knowledgeable team will guide you through every step of the mortgage process, ensuring that you find the best solution for your situation.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Empower offers robust online and mobile banking services. You can easily check balances, transfer funds, pay bills, and even deposit checks right from your smartphone or computer anytime and anywhere.

Personal Banking Services

For individuals looking to manage their finances effectively, we offer a variety of checking and savings accounts. Whether you're saving for a big purchase or just need a reliable account for everyday transactions, we have options that fit your lifestyle. Imagine having the peace of mind knowing your funds are accessible whenever you need them whether it's through our online banking platform or by visiting us in person.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can offer relief. These loans can be used for various purposes from medical bills to home improvements and come with manageable repayment terms that suit your budget.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking platform, accessible at https://www.empowerfcu.com/, offers 24/7 service that lets you check balances, transfer funds, and pay bills whenever it suits you. You can easily manage your accounts in real-time, giving you complete control over your finances without needing to visit a branch. We also prioritize your security. With electronic signature authorization available, you can sign documents quickly and securely online. Plus, we offer e-statements for easy access to your financial records while helping the environment by going paperless.

Mobile Banking Made Easy

On-the-go? Our mobile application makes banking even easier. Whether you're making person-to-person transfers or using mobile payments to shop, everything is at your fingertips. Imagine splitting lunch bills with friends or paying for groceries without needing cash; that's the convenience we strive to offer. For those who prefer the classic touch, our drive-thru service remains an option during lobby hours Monday through Friday from 9:00 AM to 5:00 PM. Join us at Empower today and experience the ease of modern banking designed with you in mind! If you have any questions or need assistance, feel free to call us at (315) 477-2200. We're here to help you make the most of your banking experience!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 548,791, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $10,138,458, reinforcing our capacity to support your needs. 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 3056 East Ave Central Square Ny 13036 or call (315) 477-2200 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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.

Operational Efficiency

Our $8,254,804 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 579 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Benefit

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 with $31,778 in used auto loans and $2,971,322,037 in total loans and leases.

Strong Financial Health

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 9.71% 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 $571,156,760 in used vehicle loans and $237,066,776 in new vehicle loans already helping members get on the road. We provide competitive interest rates and flexible terms that make financing your next vehicle easier than ever.

Business Financing

For business owners, our outstanding commercial loans totaling $397,577,069 provide the capital needed to grow and expand. Whether you're starting a new venture or need funds for expansion, we have options that can support your business ambitions.

Credit Card Loans

Managing everyday expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $104,830,995 in loans helping members manage their finances effectively. Enjoy convenient access to funds while earning rewards on your purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $486,276,719, make buying or refinancing simple. We're here to guide you through the process and help you find the right plan that fits your budget and lifestyle.

Refinancing Options

If you're considering refinancing any existing loans, we encourage you to explore our options. Our team is dedicated to helping you understand eligibility requirements and find solutions that work for you. At Empower, we're committed to supporting our members' financial well-being with transparency and trust. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Contact us today at (315) 477-2200 or visit us at our branch located at 3056 East Ave Central Square Ny 13036 in Central Square, NY. Let's work together towards achieving your financial dreams!

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EMPOWER FEDERAL CREDIT UNION - Central Square, NY

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Central Square, NY (13036)

Introduction

Branch History & Mission

Community Focus

Our Commitment to Members

Branch Location & Accessibility

Connect With Us

Convenient Access

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Loan Options That Fuel Growth

Merchant Services That Simplify Transactions

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Auto Loans & Vehicle Financing

Business Banking Services

Credit Cards with Rewards

Drive-Thru Banking

Mortgage Loans & Refinancing

Online & Mobile Banking

Personal Banking Services

Personal Loans & Debt Consolidation

Digital & Online Banking

Key Features of Our Digital Banking Services

Mobile Banking Made Easy

Financial Strength

Growing Member Base

Member-Focused Savings

Operational Efficiency

Reinvesting for Your Benefit

Strong Financial Health

Loan Offering

Auto Loans

Business Financing

Credit Card Loans

Mortgage Loans

Refinancing Options

Loan Aggregator

No Sponsored Listings

Real-Time Rate Comparisons

Verified Data

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