Empower Credit Union Binghamton NY | Best Auto Loans & ATM Access

Introduction

Welcome to Empower, your trusted credit union located at 120 Main St, Binghamton, NY 13905. Since opening our doors in 1939, we have been dedicated to serving our community and building lasting relationships with our members. With over 277,000 members and total assets exceeding $3.75 billion, we are proud to be a pillar of financial strength and support in the region. At Empower, we understand that financial decisions can feel overwhelming. That's why our experienced team is committed to providing personalized service tailored to your unique needs. Whether you're looking for auto loans, mortgage options, or simple checking and savings accounts, we offer a range of products designed to help you achieve your financial goals. While members can visit us at our Binghamton branch, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127. Our members trust us not just for our financial expertise but also for our commitment to community involvement and member satisfaction. Led by CEO Ryan McIntyre and Board President Patrick Piscitelli, our team of 581 employees works diligently to ensure you receive exceptional service every time you reach out. We take pride in maintaining a net worth of over $365 million and holding more than $238 million in deposits, ensuring your money is safe and sound. Ready to experience the Empower difference? Visit us today or give us a call at 315-477-2200. Let's start your journey towards financial empowerment together! For more information about our services and membership benefits, check out our website at www.empowerfcu.com.

Branch History & Mission

Our Mission

Empower's mission is clear: we strive to enhance the lives of our members through exceptional financial services while actively supporting our local communities. We believe that everyone deserves access to quality banking options that meet their individual needs. Our offerings include personal banking solutions like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. While members can visit us at 120 Main St for in-person assistance or drive-thru services available during convenient hours (Monday through Friday from 9:00 am to 5:00 pm and Saturday from 9:00 am to 1:00 pm), we also embrace technology to enhance your banking experience. With online and mobile banking options, ATM availability, and features like e-statements and person-to-person payments, we ensure that managing your finances is simple and accessible. Our commitment extends beyond just banking; we engage in various partnerships and community outreach programs designed to uplift those around us. Whether it's providing educational resources or participating in local events, we are dedicated to making a positive impact. Join us today at Empower. Experience firsthand how we can help you navigate your financial journey while being part of a community-focused credit union that truly cares about your success! For more information or to open an account online, please visit our website or call us at 315-477-2200. Together, let's build a brighter future!

Branch Location & Accessibility

Convenient Access and Features

At Empower, we understand that accessibility is key. Our branch is designed with features that welcome everyone. There are plenty of parking spots available, and our facility is ADA compliant, ensuring that all members can enjoy a comfortable visit. Plus, if you're on the go, we offer a drive-thru service where you can quickly complete deposits and withdrawals without leaving your car.

Operating Hours

We're here for you during convenient hours! Our lobby operates Monday through Friday from 9:00 AM to 5:00 PM and on Saturdays from 9:00 AM to 1:00 PM. For those using our drive-thru services, we extend those hours slightly; it's open Monday through Friday from 8:30 AM to 5:30 PM and also on Saturday from 9:00 AM to 1:00 PM.

Services Tailored for You

Empower provides a wide range of services tailored to fit your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're equipped to assist you every step of the way. Additionally, enjoy easy ATM access right at our location for quick cash withdrawals or balance checks. We invite you to experience how Empower can support your financial journey. Whether you're stopping by for advice or simply need assistance with transactions, our friendly staff is eager to help you. Don't hesitate come visit us today or give us a call!

Member Eligibility

At Empower, we believe that everyone deserves to be part of a welcoming community that supports their financial journey. Becoming a member at our Binghamton branch is simple and open to many! If you live, work, or worship in the areas we serve, you're likely eligible to join us. We also welcome family members of existing members, making it easy for you to share the benefits of membership with your loved ones. By joining Empower, you gain access to personalized banking services, competitive loan rates, and various financial tools designed to help you succeed. For detailed eligibility criteria and the most up-to-date information, please check out our website at http://www.empowerfcu.com/about-us/membership-benefits. Ready to take the next step? Opening an account is straightforward! Simply visit https://my.empowerfcu.com/registration or give us a call at (315) 477-2200 for assistance. Our friendly team is here to guide you through every step of the process. Come visit us at 120 Main St, Binghamton, NY 13905, and discover how Empower can make a difference in your financial life!

Business Banking & Commercial Services

Member Commercial Loans

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.

Merchant Services

In addition to loans, our merchant services simplify payment processing, allowing you to focus on what you do best running your business. Whether you're selling online or in-store, our services make transactions smooth and easy. If you're ready to take the next step for your business, visit us at 120 Main St, Binghamton, NY 13905, or call us at 315-477-2200. Let's work together to achieve your goals!

Non-Member Support

We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that can adapt to your business needs.

Outstanding Portfolio

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

Accessing cash should be simple. Our branch provides easy access through our ATM services where you can withdraw money or check balances without hassle. Plus, our basic drive-thru banking allows for quick deposits and withdrawals right from your vehicle. At Empower, we're more than just a credit union; we're part of the Binghamton community, committed to helping our members thrive financially. If you're interested in any of these services or have questions about how we can assist you further, don't hesitate to call us at 315-477-2200 or visit us during lobby hours: Monday through Friday from 9:00 am to 5:00 pm, and Saturday from 9:00 am to 1:00 pm. Come see how Empower can help simplify your financial journey today!

Auto Loans and Financing

Are you in the market for a new vehicle? With our auto loans and vehicle financing, purchasing that dream car is easier than ever. We work with you to create a payment plan that fits your budget, so you can drive away feeling confident about your financial choices.

Business Banking Services

For entrepreneurs and small business owners, we offer comprehensive business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is ready to provide the support you need.

Credit Cards with Rewards

With our credit cards featuring rewards, you can earn points on everyday purchases. Imagine getting cash back or redeeming points for travel just by using your card for groceries or gas. It's an easy way to get more from what you already spend!

Home Financing Options

Homeownership is a significant milestone, and our mortgage loans and refinancing options are here to support you every step of the way. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, Empower is committed to making the process as smooth as possible.

Online and Mobile Banking

In today's fast-paced world, convenience matters. That's why we offer online and mobile banking services that allow you to manage your accounts anytime, anywhere. From paying bills to transferring funds between accounts, everything is just a few taps away on our user-friendly app.

Personal Banking Solutions

Whether you're opening your first checking account or looking to save for a big purchase, we offer personal banking services that fit into your life. Our checking and savings accounts are designed to help you manage your day-to-day finances while earning interest on your savings. We know that life can be unpredictable, so we also provide personal loans and debt consolidation options to help you tackle any unexpected expenses or streamline your payments.

Digital & Online Banking

Accessing Your Accounts Anytime

With our 24/7 online banking services available at https://www.empowerfcu.com/, you can check balances, pay bills, and transfer money whenever it suits you. You won't have to wait for business hours or stand in line; everything is just a few clicks away. Our platform is designed with your convenience in mind, allowing you to manage your finances easily and efficiently.

Mobile Banking Made Easy

On top of our online banking options, we also provide a mobile application that lets you handle your banking tasks right from your smartphone. With features like mobile payments and person-to-person transfers, sending money to friends or family has never been easier. Plus, if you're ever in a hurry, you can quickly access your accounts on the go without any hassle.

Secure Transactions at Your Fingertips

Security is our top priority. Our electronic signature authorization feature ensures that all transactions are safe and secure. You can rest easy knowing that your information is protected while using our e-statements feature for easy access to your financial statements without the clutter of paper.

Stay In Control

Managing your finances should be straightforward. At Empower, we believe in providing tools that empower you to take control of your money with confidence. Whether you're signing documents electronically or reviewing e-statements, every feature is crafted with user-friendliness in mind. Explore all these fantastic digital banking services today by visiting us at https://www.empowerfcu.com/! Your financial freedom is just a click away with 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 pride ourselves on maintaining a strong financial foundation to ensure that your money is safe and working for 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. 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 commitment to lending is evident as we have $31,778 in used auto loans and a total of $2,972,132,037 in loans and leases available to support members' financial goals across various sectors. Our $29,971,164 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 and committed team. In total, we proudly manage 548,791 share accounts, 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 120 Main St Binghamton NY 13905 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 Financing Options

For those looking for business financing, we have outstanding commercial loans totaling $397,577,069, providing the capital needed to grow and expand your business operations. We're committed to supporting local entrepreneurs and helping them succeed. If you're considering refinancing any existing loans or want more information about eligibility options, don't hesitate to reach out. Our team can guide you through the process and help determine the best path forward based on your individual circumstances. At Empower, we're not just about numbers; we're about relationships. Your financial well-being is our priority. Call us today at (315) 477-2200 or visit us during our lobby hours from Monday to Friday: 9:00 am - 5:00 pm and Saturday: 9:00 am - 1:00 pm. 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 assist you in reaching your financial goals with our range of personalized loan products!

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. Our flexible terms make it easier for you to drive away with your desired vehicle while keeping your monthly payments manageable.

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 guidance throughout the process, so you can feel confident as you take this important step toward securing your future.

Unsecured Credit Card Loans

Managing finances can be challenging at times, which is why we also offer flexible terms on unsecured credit card loans. With a total of $104,830,995 in loans helping members effectively manage their expenses, our credit cards come with features designed to fit your spending habits while providing financial peace of mind.

Loan Aggregator

No Sponsored Listings

One key feature of LendMesh is its absence of sponsored listings. Unlike many comparison tools that prioritize lenders based on paid promotions, LendMesh aims to provide unbiased results. Users can be assured they are viewing the best options available without influence from advertising dollars.

Real-Time Rate Comparisons

With up-to-date loan rates from multiple institutions, LendMesh ensures users have access to the most current information. This feature allows individuals to compare offers easily and quickly, making it simpler to choose the best loan for their needs. 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!" Such testimonials highlight the effectiveness of LendMesh as a reliable tool for securing favorable loan terms. 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.

Verified Data

LendMesh guarantees that all loan offers come from legitimate financial institutions. This commitment to verified data fosters trust and helps users feel confident in their choices.

Empower

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Our Mission

Branch Location & Accessibility

Convenient Access and Features

Operating Hours

Services Tailored for You

Member Eligibility

Business Banking & Commercial Services

Member Commercial Loans

Merchant Services

Non-Member Support

Outstanding Portfolio

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Auto Loans and Financing

Business Banking Services

Credit Cards with Rewards

Home Financing Options

Online and Mobile Banking

Personal Banking Solutions

Digital & Online Banking

Accessing Your Accounts Anytime

Mobile Banking Made Easy

Secure Transactions at Your Fingertips

Stay In Control

Financial Strength

Loan Offering

Additional Financing Options

Auto Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

No Sponsored Listings

Real-Time Rate Comparisons

Verified Data

Join Our Community