Empower Credit Union Baldwinsville NY | Affordable Auto Loans & Business Banking

Introduction

At Empower, we believe that strong financial partnerships can uplift communities and change lives. Located at 15 E Genesee St, Baldwinsville, NY 13027, our branch is more than just a place to manage your money; it's a hub for building lasting relationships and supporting local families. Since opening our doors in 1939, we have proudly served over 277,000 members, providing them with the tools they need to achieve their financial goals. With total assets of $3,759,853,763 and a solid net worth of $365,681,043, Empower stands as a pillar of stability in the community. We are dedicated to offering competitive rates on loans and deposits while ensuring that our members have access to personalized service tailored to their unique needs. Currently, we manage a robust portfolio of 164,278 loans and leases, empowering our members with financing options for everything from auto purchases to home mortgages. Our commitment to transparency is reflected in our financial practices. With cash reserves of $39,788,678 and total deposits amounting to $238,547,679, you can trust that your funds are safe with us. Led by CEO Ryan McIntyre and Board President Patrick Piscitelli, our dedicated team of 581 employees is always here to help you navigate your financial journey. While members can visit us at our branch location, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127. Our friendly staff is available during lobby hours from Monday through Friday from 9:00 AM to 5:00 PM and Saturdays from 9:00 AM to 1:00 PM. Join us at Empower today! Visit our website at empowerfcu.com or give us a call at 315-477-2200 to learn more about how we can help you achieve your dreams. Let's work together towards your brighter financial future!

Branch History & Mission

Community Commitment

Empower takes pride in its involvement within the Baldwinsville community. We actively participate in local events and partnerships aimed at uplifting those around us. Our outreach efforts not only strengthen relationships but also ensure that we remain attuned to the needs of our members. While you can visit us at 15 E Genesee St, official correspondence should be directed to PO Box 11127, Syracuse, NY 13218-1127 if necessary. If you're ready to experience all that Empower has to offer or want more information about membership benefits, feel free to reach out at 315-477-2200 or explore our website at empowerfcu.com. Join us at Empower where your financial future matters!

Our Journey

From humble beginnings, Empower has evolved into a robust credit union with a total membership of 277,374 dedicated individuals. Over the years, we have expanded our services to meet the changing needs of our community while maintaining our commitment to personalized care. With assets totaling an impressive $3,759,853,763, we are well-equipped to offer a wide range of financial solutions that empower our members to achieve their dreams. Our headquarters in Syracuse, NY, allows us to maintain strong ties with the local economy and community initiatives. We pride ourselves on being more than just a financial institution; we are a partner in the lives of those we serve.

Our Mission

At Empower, our mission is straightforward: to provide exceptional financial services while supporting our community's growth and well-being. We believe that financial empowerment leads to brighter futures for individuals and families alike. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our team is here to guide you every step of the way. We also understand that accessibility is key. That's why we offer an array of digital services including online banking and mobile applications, making it easier for you to manage your finances anytime and anywhere. Plus, with ATM availability right at our branch location, withdrawing cash or checking balances is simple and convenient.

Branch Location & Accessibility

Call to Action

Ready to experience personalized service? We invite you to visit us at our Baldwinsville branch or give us a call at 315-477-2200. Our dedicated team is eager to assist you with all your financial needs!

Nearby Landmarks and Accessibility

Our branch is nestled near local favorites, making it a convenient stop for your banking needs. With plenty of parking available right outside our doors and ADA-compliant features such as ramps, we ensure that everyone can access our services comfortably.

Operating Hours

We understand that life gets busy, so we offer flexible hours to accommodate your schedule. Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM and on Saturday from 9:00 AM until 1:00 PM. While we do not have drive-thru service at this location, you can count on us for prompt assistance inside the branch.

Services Offered

At Empower, we pride ourselves on offering a wide range of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. We also provide online and mobile banking solutions for added convenience. Plus, with ATM availability right here at the branch, accessing your funds is quick and easy!

Member Eligibility

At Empower, we believe that everyone deserves a place in our supportive community, and joining us is as easy as reaching out! To become a member at our branch located at 15 E Genesee St Baldwinsville Ny 13027, you'll need to meet a few simple eligibility criteria. Generally, anyone who lives, works, or worships in the area is welcome to apply. We're dedicated to ensuring that our services are accessible to all, so if you have questions about your eligibility, don't hesitate to give us a call at (315) 477-2200. For more detailed information on what it takes to join, feel free to visit our membership page at http://www.empowerfcu.com/about-us/membership-benefits. Opening an account with us is straightforward and convenient. You can get started online by visiting https://my.empowerfcu.com/registration. We're excited to help you take this step toward financial empowerment and community connection!

Business Banking & Commercial Services

Commercial Loan Options

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. - With an outstanding commercial loan portfolio of $397,577,069, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing. Picture this: a customer walks into your store, makes a purchase using their card, and the transaction goes through without a hitch. Our services help streamline these transactions, ensuring you get paid quickly and securely, so you can concentrate on serving your customers. Visit us at 15 E Genesee St Baldwinsville Ny 13027 in Baldwinsville, NY, or call us at (315) 477-2200 to learn more about how our business banking and commercial services can support your success!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing solutions are here to help. We offer competitive rates that can make owning your dream vehicle more affordable than ever. Picture yourself driving away in a new car while enjoying flexible repayment options tailored just for you.

Business Banking

For entrepreneurs and small business owners, we also provide comprehensive business banking services. From merchant services that help process payments efficiently to business loans designed to fuel growth, we're here to support local businesses thrive.

Convenient Access

Accessing your accounts has never been easier! With our ATM services available at various locations, withdrawing cash or checking balances is just a few taps away. Plus, our commitment to online and mobile banking ensures you're always connected with your finances. We invite you to experience the Empower difference today! If you have questions or want more information about any of our services, don't hesitate to reach out at 315-477-2200. Let's take the next step toward achieving your financial goals together!

Credit Cards with Rewards

With our credit cards featuring rewards programs, every purchase can bring you closer to exciting perks and benefits. Whether you're using it for everyday purchases or special occasions, enjoy the advantage of earning rewards while staying on top of your budget.

Mortgage Loans & Refinancing

Owning a home is a significant milestone, and at Empower, we want to make that journey smooth. Our mortgage loans and refinancing options provide you with the support needed to purchase or refinance your home confidently. With personalized service and guidance through every step of the process, we ensure that you find the best solution for your circumstances.

Personal Banking

Our personal banking options make it easy for you to manage your finances effectively. With checking and savings accounts designed to suit various lifestyles, you can choose the right fit for your needs. Imagine having easy access to your funds with our online and mobile banking features, allowing you to check balances, transfer money, and pay bills from anywhere.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can offer the relief you need. Think about simplifying your finances by combining multiple debts into one manageable payment it's all possible with our flexible terms and support.

Digital & Online Banking

Key Features

Our online banking service operates 24/7, allowing you to access your accounts whenever it suits you best. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away. Plus, with our mobile application, available for download now, managing your money has never been easier. You can even make mobile payments directly from your device, making everyday purchases quick and hassle-free. Security is a top priority for us at Empower. Our electronic signature authorization ensures that all your transactions are safe and secure. You can also opt for e-statements to keep track of your finances while reducing paper clutter it's not only eco-friendly but also convenient! For those moments when you need to send money quickly to friends or family, our person-to-person transfer feature lets you do just that with ease. No more waiting in line or dealing with cash; simply send money directly from your account in real-time. With these features combined, Empower provides a comprehensive digital banking experience that caters to all your needs. Join us today and take control of your financial journey with confidence!

Financial Strength

Commitment to Growth

With $317,235,978 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals with $31,778 in used auto loans and a total of $2,972,132,037 in loans and leases available for various needs. Our impressive net income of $29,971,164 reflects our operational efficiency. This allows 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 committed to your success.

Growing Membership Base

Total Share Accounts stand at an impressive 548,791, showcasing a strong and growing member base that trusts us with their finances. This growth is a testament to the confidence our community has placed in Empower as their financial partner. 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 15 E Genesee St Baldwinsville NY 13027 or call us at 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.

Member-Centric 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.

Solid 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 971 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

Additional Offerings

For those who may need business financing, our outstanding commercial loans totaling $397,577,069 provide the capital needed for growth and expansion. Additionally, we have personal loans available for various needs such as debt consolidation. If you're considering refinancing any existing loans or exploring eligibility options for our loan products, we encourage you to reach out. Our knowledgeable staff can assist you with personalized solutions that best fit your financial situation. For any inquiries or further information about our loan offerings at Empower located at 15 E Genesee St, Baldwinsville NY 13027, feel free to call us at 315-477-2200. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial dreams!

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 flexible financing options tailored to your unique situation, making it easier than ever to drive away in the vehicle you want.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $486,276,719, which make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through every step of the process.

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 credit cards provide an excellent way to build your credit while offering competitive rates and rewards.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate 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 means you can trust that the offers presented are fair and transparent, reflecting true market conditions.

Empower

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Community Commitment

Our Journey

Our Mission

Branch Location & Accessibility

Call to Action

Nearby Landmarks and Accessibility

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Commercial Loan Options

Merchant Services

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Business Banking

Convenient Access

Credit Cards with Rewards

Mortgage Loans & Refinancing

Personal Banking

Personal Loans & Debt Consolidation

Digital & Online Banking

Key Features

Financial Strength

Commitment to Growth

Growing Membership Base

Member-Centric Savings

Solid Financial Health

Loan Offering

Additional Offerings

Auto Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

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