Empower Credit Union Auburn NY | Best Auto Loans & Business Banking

Introduction

Welcome to Empower, your trusted financial partner located at 65 State St, Auburn, NY 13021. Since our establishment in 1939, we have dedicated ourselves to fostering a strong community spirit while providing exceptional banking services tailored to meet the needs of our 277,374 members. With total assets exceeding $3.75 billion and total deposits around $238 million, our commitment to your financial well-being is evident in every service we offer. At Empower, we pride ourselves on being more than just a credit union; we are a community hub where families and businesses thrive together. Whether you're looking for personal banking solutions, vehicle financing, or business loans, we've got you covered with over 164,000 loans and leases served. Our CEO, Ryan McIntyre, along with Board President Patrick Piscitelli, leads a team of 581 employees who are always ready to assist you. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address at PO Box 11127, Syracuse, NY 13218-1127. With over $39 million in cash readily available and a robust net worth of approximately $365 million, we ensure that your money is secure while also providing opportunities for growth. Explore our website at Empower for more information about our services and how we can help you achieve your financial goals. We invite you to come by or give us a call at 315-477-2200 during our lobby hours from Monday to Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. Join us as we continue to empower our community through sound financial solutions!

Branch History & Mission

Join Us

With convenient operating hours from Monday through Friday from 9:00 am to 5:00 pm and Saturday from 9:00 am to 1:00 pm we're here when you need us most. Our drive-thru service adds an extra layer of convenience for quick transactions. We invite you to experience the difference at Empower Credit Union. Join us today and discover how our member-focused approach can benefit you and your family. Feel free to reach out at (315) 477-2200 or visit us online at Empower Credit Union for more information on how you can become part of our growing family!

Our Journey

Empower began its journey with a vision to serve the financial needs of local families and businesses. Located at 65 State St, Auburn, NY 13021, our branch is conveniently situated near several landmarks, making it easy for members to access our services. Whether you're looking for personal banking options like checking and savings accounts or more specialized services such as auto loans and business financing, we've got you covered. Over the years, we've continually adapted to meet the changing needs of our members. This includes embracing digital advancements that enhance your banking experience. We offer online banking and mobile payment options, ensuring you can manage your finances anytime and anywhere.

Our Mission

At Empower Credit Union, our mission is simple yet powerful: to provide exceptional financial services while fostering a spirit of community support. We believe in putting people before profit, which means prioritizing your financial well-being above all else. Our team is dedicated to offering personalized assistance and resources that empower you to achieve your financial goals. We are not just about transactions; we are about building lasting relationships within our community. Through various outreach programs and partnerships with local organizations, we actively participate in initiatives that make Auburn a better place for everyone. While members can visit us at 65 State St Auburn Ny 13021, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127.

Branch Location & Accessibility

Connect with Us

If you have any questions or need assistance, don't hesitate to give us a call at 315-477-2200. We look forward to welcoming you into our branch soon! Whether you're a long-time member or considering joining us for the first time, we're excited to help you navigate your financial journey with ease.

Local Landmarks and Accessibility

Situated near local landmarks such as the historic Auburn City Hall and the scenic Owasco Lake, our branch is easy to find and surrounded by plenty of parking options. We prioritize accessibility; our building is ADA compliant with ramps and accessible entrances to ensure that all members can access our services comfortably.

Operating Hours

Our lobby hours are set to serve you best: we're open Monday through Friday from 9:00 AM to 5:00 PM and Saturdays from 9:00 AM to 1:00 PM. If you're on the go, take advantage of our drive-thru services available during extended hours Monday through Friday from 8:30 AM to 5:30 PM and Saturday from 9:00 AM to 1:00 PM.

Services Offered

At Empower, we offer a wide range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing. You can also utilize our ATM for quick cash withdrawals or balance checks anytime. We pride ourselves on being more than just a bank; we're a community partner dedicated to helping you achieve your financial goals.

Member Eligibility

At Empower, we believe that everyone deserves the opportunity to be part of a supportive community focused on your financial well-being. Becoming a member is simple! If you live, work, or worship in the local area, or if you are related to someone who is already a member, you can easily join us. Plus, our members enjoy a range of benefits including competitive rates on loans and savings accounts, personalized service, and access to a variety of financial products designed just for you. Ready to take the next step? You can find detailed eligibility criteria and information about becoming a member by visiting this link. If you're excited to open an account, head over to our registration page or give us a call at (315) 477-2200. We're located at 65 State St Auburn Ny 13021, and we can't wait to welcome you into the Empower family!

Business Banking & Commercial Services

Merchant Services Tailored for You

In addition to our loan offerings, we provide merchant services that simplify payment processing for your business. Imagine being able to accept payments easily from your customers whether in-store or online boosting your sales potential without the hassle of complicated systems. Our solutions are designed with your convenience in mind, ensuring you can focus on what you do best: running your business. Visit us at 65 State St Auburn Ny 13021 in Auburn, NY, or call us at (315) 477-2200 to learn how we can help your business thrive!

Supporting Your Growth Journey

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. This funding has allowed local entrepreneurs to invest in new equipment, hire additional staff, and expand their services. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that meet diverse needs. - 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

ATM & Cash Withdrawal Services

Need cash quickly? Our ATMs offer basic access for withdrawals and balance checks right when you need them. Plus, our drive-thru banking allows for easy deposits and simple transactions without ever leaving your car. At Empower, we pride ourselves on being more than just a credit union; we are part of the Auburn community. With our knowledgeable staff ready to assist you and convenient hours (Lobby Hours: Mon-Fri 9:00 am - 5:00 pm; Sat 9:00 am - 1:00 pm), we're here when you need us most. Ready to take control of your finances? Visit us today at 65 State St Auburn NY 13021 or call us at 315-477-2200. Discover how Empower can support all of your financial needs! For more information about membership benefits or opening an account, check out our website.

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options make it easy for you to hit the road in style without breaking the bank. We work closely with you to find terms that suit your budget, so you can focus on enjoying your new ride.

Business Banking

For our business members, we offer specialized services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're dedicated to helping local businesses thrive.

Credit Cards with Rewards

With our credit cards featuring rewards programs, every purchase can earn you something back. Enjoy cash back, travel points, or other perks while managing your spending effectively.

Mortgage Loans & Refinancing

When it comes to buying a home or refinancing your current mortgage, Empower is here to assist you every step of the way. Our mortgage loans provide competitive rates and personalized service, ensuring that you find the best solution for your housing needs.

Online & Mobile Banking

In today's fast-paced world, convenience is key. With our online and mobile banking services, accessing your accounts has never been easier. You can manage your finances anytime and anywhere whether it's checking balances or making transfers on the go.

Personal Banking

Starting with personal banking, we offer checking and savings accounts designed to help you manage your day-to-day finances effortlessly. Whether you're saving for a vacation or just want a safe place for your money, we have options that fit your lifestyle.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses at us. That's where our personal loans come in handy, whether you're looking to consolidate debt or cover an emergency expense. We strive to offer flexible terms that help ease your financial burden.

Digital & Online Banking

Key Features

One of the standout features of our online banking service is the ability to set up electronic statements (Yes). This not only helps you keep track of your finances but also contributes to a greener planet by reducing paper waste. If you prefer signing documents digitally, we offer electronic signature authorization (Yes), making transactions even more convenient. For those on the go, our mobile application (Yes) allows for easy management of your accounts directly from your smartphone. Want to pay a friend? Our person-to-person transfer feature (Yes) makes it simple and quick. You can also take advantage of mobile payments (Yes), ensuring that you can make purchases without needing cash or cards.

Security and Support

At Empower, we understand that security is paramount when it comes to managing your finances online. We employ advanced security measures to protect your personal information and ensure safe transactions. We are here to support you every step of the way. If you have any questions about our digital banking services or need assistance with anything, don't hesitate to reach out at (315) 477-2200. Take control of your financial life today with the ease and convenience of digital banking at Empower!

Financial Strength

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 a strong financial foundation is essential for your peace of mind and your financial goals. Our financial performance speaks volumes about our commitment to you. 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. This solid net worth is further supported by our impressive net worth ratio of 971, which demonstrates a robust capital foundation. It ensures 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 your financial goals across various sectors with $31,778 in used auto loans and an impressive total of $2,972,132,037 in loans and leases. Our operations reflect efficiency as shown by our 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 and committed team. In total, we manage 548,791 share accounts, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $10,138,458, highlighting our ability to provide you with the financial support you need. 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 65 State St Auburn NY 13021 or call 315-477-2200 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

Additional Loan Options

In addition to our auto and mortgage loans, we provide personal loans for various needs as well as business banking services. For business owners, our outstanding commercial loans totaling $397,577,069 provide the capital needed to grow and expand. If you're considering refinancing or want to explore eligibility options for any of our loan products, don't hesitate to reach out. We are here to guide you through every step of the process. For more information or to discuss how we can assist you further, please call us at 315-477-2200. You can also visit our website at www.empowerfcu.com for additional details on all our services. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 purchasing a brand-new car or opting for a reliable used model, we have flexible financing options tailored to fit your budget.

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 provide competitive rates and terms to ensure you find the right plan for your family.

Unsecured Credit Card Loans

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. These cards come with various benefits that can help streamline your spending and rewards.

Loan Aggregator

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), ensuring fair and transparent offers. Each loan comparison reflects current market conditions, allowing users to make informed choices based on reliable information.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are viewing accurate and up-to-date information. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means that every user receives the same opportunity to find the best loan options available. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. With LendMesh, you can compare various offers in just a few clicks. 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 testimonial highlights how effective and user-friendly the platform is for individuals seeking better financing options.

Take Action

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

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Join Us

Our Journey

Our Mission

Branch Location & Accessibility

Connect with Us

Local Landmarks and Accessibility

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Merchant Services Tailored for You

Supporting Your Growth Journey

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Auto Loans & Vehicle Financing

Business Banking

Credit Cards with Rewards

Mortgage Loans & Refinancing

Online & Mobile Banking

Personal Banking

Personal Loans & Debt Consolidation

Digital & Online Banking

Key Features

Security and Support

Financial Strength

Loan Offering

Additional Loan Options

Auto Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Accurate Loan Comparisons

Benefits of Using LendMesh

Take Action

Join Our Community