Empower Credit Union Utica NY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Empower, your trusted financial partner in Utica, NY. Located at 1928 Genesee St, Utica, NY 13502, our credit union has been serving the community since 1939. With a strong commitment to our members, we proudly support over 277,374 individuals and families in achieving their financial goals. At Empower, we understand that every member's needs are unique. That's why we offer a wide range of services from personal banking solutions like checking and savings accounts to auto loans and mortgages. Whether you're looking to finance your next vehicle or consolidate debt, we have you covered with total assets amounting to an impressive $3,759,853,763. While members can visit us at our branch for personalized service, any official correspondence should be directed to our mailing address: PO Box 11127, Syracuse, NY 13218-1127. Our dedicated team of 581 employees, led by CEO Ryan McIntyre and Board President Patrick Piscitelli, is here to ensure you receive the best possible service. Our commitment goes beyond just numbers; it's about making a meaningful impact in our community. With total deposits reaching $238,547,679 and a net worth of $365,681,043, we're well-equipped to support local initiatives and foster growth within Utica. We invite you to explore what Empower has to offer by visiting our website at empowerfcu.com. For inquiries or assistance, don't hesitate to call us at 315-477-2200. Join us today and discover how we can help you thrive financially!

Branch History & Mission

Welcome to Empower, a cornerstone of financial support in Utica, NY. Established in 1939, we have proudly served our community for over eight decades, growing alongside our members and adapting to meet their evolving needs. Our branch is located at 1928 Genesee St, Utica, NY 13502, a central spot in the city that's easy to reach for all our members. Since opening our doors, Empower has been committed to delivering exceptional financial services while fostering a strong sense of community. With a current membership of over 277,374 individuals and total assets exceeding $3.75 billion, we have built a reputation as a trusted partner for personal banking, loans, and community outreach. Our growth reflects the dedication we have towards not just meeting financial needs but also supporting local initiatives and partnerships that enhance the lives of those around us. At Empower, our mission is clear: to provide accessible financial solutions while empowering our members to achieve their dreams. We offer a range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking. This mission extends beyond mere transactions; it encompasses our commitment to help each member thrive financially. Whether through personalized service or community-focused programs, we strive to make a positive impact every day. We understand that convenience matters. That's why we offer robust digital banking options alongside traditional banking services such as drive-thru access and ATM availability. Our lobby hours are set from Monday to Friday, 9:00 AM - 5:00 PM, with drive-thru hours from 8:30 AM - 5:30 PM on weekdays. Members can also engage with us via mobile banking apps or online platforms for easy account management. While you can visit us at our branch address for any inquiries or services you need, please note that official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127 if it differs from your visit here. As we look towards the future, Empower remains dedicated to strengthening our community ties and providing innovative solutions that cater to the diverse needs of our members. We invite you to join us on this journey become part of the Empower family today! Experience how we can help you achieve your financial goals by visiting us or exploring more about membership benefits at our website. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility and Parking

At Empower, we prioritize accessibility for all members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can navigate the space with ease. Ample parking is available right in front of the building, so you can visit us without any hassle.

Connect With Us

If you have any questions or want to learn more about how we can serve your financial needs better, feel free to give us a call at 315-477-2200. We invite you to visit us at our Utica branch where your financial success is our mission!

Operating Hours

We understand that your time is valuable. That's why our lobby hours are set from Monday to Friday, opening at 9:00 AM and closing at 5:00 PM. For those who prefer drive-thru banking, we're here for you from 8:30 AM to 5:30 PM on weekdays. Unfortunately, we are closed on Saturdays.

Services Offered

Empower offers a range of services tailored just for you. From personal checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. If you're looking for quick transactions, our drive-thru service allows for deposits and withdrawals with ease. Plus, with ATM access available on-site, you can get cash when you need it.

Member Eligibility

At Empower, we believe that everyone deserves a chance to join our supportive community and enjoy the benefits of membership. Becoming a member at Empower is simple and welcoming. If you live, work, worship, or attend school in Oneida County, you're already eligible! We also embrace family members of current members, making it even easier for you to join our family. Being part of Empower means access to personalized financial services designed with your needs in mind, from competitive loan rates to helpful advice on managing your finances. To start your journey with us, simply visit our website for more information about the eligibility criteria at http://www.empowerfcu.com/about-us/membership-benefits. When you're ready to open an account, you can do so easily online at https://my.empowerfcu.com/registration or by calling us at (315) 477-2200 for assistance. Our friendly team is here to guide you every step of the way at our branch located at 1928 Genesee St Utica Ny 13502. Join us today and experience the difference of being part of something special!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that simplify transactions for you and your customers. Imagine processing payments effortlessly while managing your cash flow more efficiently. Our solutions help you focus on what matters most growing your business. Located at 1928 Genesee St Utica Ny 13502 in Utica, NY, we invite you to reach out at (315) 477-2200 to learn how our tailored solutions can empower your business today!

Supporting Your 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. - 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 $397,577,069, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

If you're an entrepreneur or a small business owner, our business banking services are designed to support your growth. From merchant services that streamline payments to business loans tailored for various needs, Empower is here to assist every step of the way.

Convenient Banking Options

We also offer basic drive-thru banking for simple transactions like deposits and withdrawals, allowing for quick service without leaving your car. And if you're out and about, our ATMs provide withdrawal and balance checking capabilities so you're never left stranded.

Digital Banking Features

With today's fast-paced world in mind, we've made sure our services are accessible through online and mobile banking platforms. You can easily manage your accounts, pay bills, and transfer money using our user-friendly apps. Need cash? Our ATM services ensure you can access funds conveniently when needed.

Get Started Today!

At Empower, we believe in making banking easier for everyone in Utica. If you're interested in learning more about any of these services or how we can assist you further, please don't hesitate to reach out at 315-477-2200. We welcome you to visit us at our branch located at 1928 Genesee St Utica NY 13502 or explore our offerings online at empowerfcu.com. Your journey towards financial empowerment begins here!

Loans and Credit Options

We understand that life can throw unexpected expenses your way. That's why we provide personal loans and debt consolidation services to help you manage those costs without added stress. Whether it's for a major purchase or just consolidating existing debts into one easy payment, we've got you covered. Don't forget about our credit cards with rewards, which allow you to earn while you spend! Enjoy cashback offers and points for travel or shopping it's a rewarding way to make your purchases work harder for you.

Personal Banking

Starting with personal banking, we offer checking and savings accounts that help you manage your money effectively. With easy online access and mobile banking features, you can keep track of your finances anytime, anywhere. Imagine making deposits or checking balances from the comfort of your home or on the go it's that simple! For those considering a new vehicle, our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. Plus, we offer competitive rates that can fit any budget. If buying a home is on your mind, check out our mortgage loans and refinancing options that come with personalized service tailored to your unique situation.

Digital & Online Banking

Key Features

With our online banking platform, available at https://www.empowerfcu.com/, you can check your balance, transfer funds, and pay bills all from the comfort of your own home or wherever life takes you. And if you're looking to stay organized, our e-statements provide a quick and eco-friendly way to view your account activity without the clutter of paper statements. Need to sign important documents? No problem! Our electronic signature authorization feature allows you to sign forms securely online, saving you time and hassle. Plus, for those moments when you need to send money to friends or family quickly, our person-to-person transfers make it easy to send funds in just a few clicks.

Mobile Banking Made Easy

We also offer a user-friendly mobile application that brings all these features right to your fingertips. With this app, not only can you manage your accounts on the go, but you can also take advantage of our mobile payments feature. This means making purchases with just a tap of your phone perfect for busy lifestyles!

Security and Support

Your security is our top priority. That's why all transactions made through our online banking are protected by advanced encryption technology. And if you ever need assistance, our dedicated team is here to help. With Empower's digital banking services, managing your money is more accessible than ever. Embrace the convenience today and visit us online at https://www.empowerfcu.com/!

Financial Strength

A Trusted Partner

Net Shares (Funds available for lending and investments): $10,138,458. Total Share Accounts: 548,791, 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, Empower is your trusted partner. Visit us at 1928 Genesee St Utica Ny 13502 or call (315) 477-2200 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

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 is robust as we have $31,778 in used auto loans and $2,971,322,037 in total loans and leases available to support your financial goals across various sectors. Our operational efficiency is reflected in our $8,254,804, 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 dedicated to serving you with knowledge and care.

Secure Savings Options

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.

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. Whether you're considering financing a brand-new vehicle or a reliable pre-owned option, we have solutions tailored for you.

Business Loans

For business owners, our outstanding commercial loans totaling $397,577,069 provide the capital needed to grow and expand. We understand that every business is different; that's why we offer tailored solutions that cater to your specific requirements. In addition to these offerings, we also provide personal loans and credit lines to give you access to funds when you need them most. Our team is here to guide you through the application process and answer any questions about eligibility options. For more information about our loan products or to discuss how we can assist you further, please reach out to us at (315) 477-2200 or visit us at 1928 Genesee St Utica Ny 13502 in Utica, NY. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 also provide refinancing options to help you adjust your current mortgage terms to better fit your financial situation.

Unsecured Credit Card Loans

Managing everyday expenses can be easier with our flexible unsecured credit card loans. With a total of $104,830,995 in loans helping members manage their finances effectively, you can enjoy the freedom of making purchases without worrying about immediate repayment.

Loan Aggregator

Benefits of Using LendMesh

Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information they receive is reliable. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means users can make decisions based on genuine offerings rather than marketing tactics. Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, helping users make informed decisions. This feature is crucial in a rapidly changing financial landscape. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this tool. 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.

EMPOWER FEDERAL CREDIT UNION - Utica, NY

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Compare Loan Rates Near You

Loan rates in Utica, NY (13502)

Introduction

Branch History & Mission

Branch Location & Accessibility

Accessibility and Parking

Connect With Us

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Practical Merchant Services

Supporting Your Growth

Comprehensive List Of Services

Business Banking Services

Convenient Banking Options

Digital Banking Features

Get Started Today!

Loans and Credit Options

Personal Banking

Digital & Online Banking

Key Features

Mobile Banking Made Easy

Security and Support

Financial Strength

A Trusted Partner

Commitment to Growth

Secure Savings Options

Strong Financial Health

Loan Offering

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

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