Empower Credit Union Central Square NY | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Empower, your trusted financial partner located at 3056 East Ave, Central Square, NY 13036. Since our establishment in 1939, we have dedicated ourselves to serving the community with integrity and care. With a robust membership of 277,374 individuals, we are proud to offer a wide range of financial services tailored to meet your needs. At Empower, we understand that every member's journey is unique. That's why we provide personalized support and solutions, including checking and savings accounts, auto loans, mortgages, and business banking options. Our total assets stand strong at $3,759,853,763, ensuring that we have the resources to help you achieve your financial goals. We take pride in our commitment to our members, demonstrated by our impressive net worth of $365,681,043 and total deposits amounting to $238,547,679. Whether you're looking for an auto loan or need assistance with personal banking, our dedicated team is here for you. Led by CEO Ryan McIntyre and Board President Patrick Piscitelli, our staff of 581 employees is ready to provide exceptional service. While members can visit us at our branch location, official correspondence should be sent to PO Box 11127 in Syracuse, NY 13218-1127. We invite you to connect with us by calling 315-477-2200 or exploring our website at Empower FCU. Join us today and experience the difference of being a valued member of Empower!

Branch History & Mission

Empower Credit Union has a rich legacy that began in 1939, rooted deeply in the heart of Central Square, NY. Over the years, we have grown from a small financial institution into a thriving community partner, proudly serving over 277,000 members. Our branch, located at 3056 East Ave, Central Square, NY 13036, stands as a testament to our commitment to enhancing the lives of those in our community. From our humble beginnings, we have achieved significant milestones. Today, we manage total assets exceeding $3.75 billion, reflecting our steady growth and stability. As we evolved, so did our services. We now offer a variety of personal and business banking solutions that meet the diverse needs of our members. Whether it's checking and savings accounts, auto loans, mortgages, or credit cards with rewards we are here to support your financial journey. At Empower, our mission is clear: to provide accessible financial services while fostering community support. We strive to empower individuals and families by helping them achieve their financial goals and dreams. Our dedication goes beyond banking; we actively engage in community outreach programs and partnerships that make a real difference in people's lives. We invite you to visit us during our lobby hours from Monday to Friday, 9:00 am to 5:00 pm or utilize our drive-thru service available from 8:30 am to 5:30 pm on weekdays. For your convenience, we also offer ATM services for easy access to your funds. While members can visit us at 3056 East Ave, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127. In an ever-changing world, we are proud to embrace digital advancements such as online banking and mobile payments while ensuring compliance with ADA standards for all our facilities. Our goal is to make banking easier and more accessible for everyone. Join Empower Credit Union today and experience firsthand how we can help you reach your financial goals while being part of a supportive community. Your journey towards financial empowerment starts here! For more information or to open an account online, visit our website or call us at 315-477-2200.

Branch Location & Accessibility

Welcome to Empower's Central Square branch, conveniently located at 3056 East Ave, Central Square, NY 13036. We pride ourselves on being a welcoming financial hub for our members in Oswego County and beyond. Our branch is easily accessible, ensuring that you can visit us with ease whether you're running errands or making a special trip for banking needs. While you're here, you'll find that we are just a stone's throw away from local landmarks, making it simple to stop by. With ample parking available and ADA-compliant features such as ramps, we strive to make your experience comfortable and hassle-free. At Empower, we understand the importance of convenience in your busy life. That's why our lobby hours are designed to fit your schedule: we're open Monday through Friday from 9:00 AM to 5:00 PM. If you prefer drive-thru services, our drive-thru operates from 8:30 AM to 5:30 PM on weekdays, allowing you to manage your banking swiftly without leaving your car. Our branch is equipped with an ATM for quick cash withdrawals and balance checks, so you can access your funds anytime. Whether you need assistance with personal banking services like checking accounts or loans, our friendly staff is ready to help. If official correspondence needs to be sent, please note that our mailing address is PO Box 11127, Syracuse, NY 13218-1127. We invite you to visit us at Empower's Central Square branch or give us a call at 315-477-2200 if you have any questions. We're excited to assist you on your financial journey!

Member Eligibility

At Empower, we believe that joining our community means stepping into a supportive family where your financial well-being comes first. Becoming a member is easy and welcoming! If you live, work, or attend school in the areas we serve, you're likely eligible to join us. We cater to a diverse group, including individuals from various professions and backgrounds, making sure everyone feels included. To dive deeper into the specific eligibility criteria, check out our detailed information at http://www.empowerfcu.com/about-us/membership-benefits. Once you're ready to take the next step, opening an account with us is straightforward. Just head over to our online registration page at https://my.empowerfcu.com/registration, or feel free to give us a call at (315) 477-2200 if you have any questions. We're here to guide you through the process and ensure that your journey with Empower is smooth and enjoyable. Your membership opens up a world of benefits designed to help you thrive financially right here in Central Square at 3056 East Ave Central Square Ny 13036.

Business Banking & Commercial Services

Business 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. This funding has enabled local enterprises to enhance their operations and reach new customers. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions when needed.

Merchant Services

Imagine a bustling café that just opened its doors. With our merchant services, they can easily accept payments from customers using various methods. This flexibility not only enhances customer satisfaction but also streamlines daily operations. Our tools empower businesses like yours to focus on what matters most: serving your clients and growing your enterprise. With an outstanding commercial loan portfolio of $397,577,069, we continue to drive economic growth by financing new and expanding businesses right here in Central Square, NY. If you're ready to take your business to the next level, visit us at 3056 East Ave Central Square Ny 13036 or call us at (315) 477-2200 to learn more about how Empower can support your journey!

Comprehensive List Of Services

ATM and Drive-Thru Services

For those times when you need cash or want to make deposits quickly, we provide ATM & Cash Withdrawal Services along with basic drive-thru banking for simple transactions like deposits and withdrawals. Enjoy easy access without the hassle! At Empower, we are dedicated not only to meeting your immediate financial needs but also supporting your long-term goals. If you're ready to take the next step in enhancing your financial health or if you have questions about any of our services, don't hesitate to reach out! Call us at 315-477-2200 or visit us online at Empower FCU. We look forward to serving you!

Business Banking Support

If you're a business owner, you'll appreciate our comprehensive Business Banking Services, which include merchant services and business loans. We aim to support local businesses by providing resources that help them thrive in today's competitive market.

Convenient Online and Mobile Banking

In this fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking options. You can easily manage your accounts from anywhere at any time whether it's checking balances, transferring funds, or paying bills everything is just a few taps away.

Flexible Loan Options

For those unexpected expenses or when you're looking to consolidate debt, our Personal Loans & Debt Consolidation services offer flexible solutions that can fit into any budget. With straightforward application processes and quick approvals, you can get the funds you need when you need them most.

Home Financing Made Simple

Thinking about buying a home? Our Mortgage Loans & Refinancing options make the process straightforward and stress-free. We offer personalized guidance to help you find the right mortgage solution tailored to your specific situation. Whether you're a first-time buyer or looking to refinance your current mortgage, we're here to assist every step of the way.

Personal Banking Solutions

Managing your finances has never been easier with our personal banking options. Whether you're looking to open a Checking or Savings Account, we've got you covered. We understand that saving for the future or managing day-to-day expenses can be challenging, so our accounts come with competitive rates and no hidden fees. When it comes to making significant purchases, our Auto Loans & Vehicle Financing provide flexible terms to help you get on the road without breaking the bank. Imagine driving away in your dream car while knowing you've secured a great rate!

Rewarding Credit Card Choices

Our Credit Cards with Rewards program allows you to earn points on everyday purchases. Think about how rewarding it would feel to earn cashback or travel rewards simply by using your card for regular expenses!

Digital & Online Banking

Always Accessible

Our 24/7 online banking services ensure that you're never out of reach from your finances. Need to check an account balance late at night? Want to make a transfer during your lunch break? No problem! With our accessible online and mobile services, managing your money has never been easier. Join us at Empower and discover how our digital and online banking solutions can simplify your financial life while keeping security at the forefront. Your bank is always open!

Key Services Available

Visit us at https://www.empowerfcu.com/ to explore our robust online banking features. Our platform allows you to manage your accounts effortlessly. From checking balances and transferring funds to paying bills, everything is just a few clicks away. Plus, with our electronic signature authorization, you can sign documents securely online without needing to visit the branch.

Mobile Banking on the Go

For members who prefer banking from their smartphones, we offer a dedicated mobile application available for download. This app not only lets you check your account balances but also supports mobile payments and person-to-person transfers. Whether you're splitting a dinner bill or making a quick payment, we've made it simple.

Security Meets Convenience

Your security is our top priority. Our online banking services are designed with safety measures that protect your personal information while providing a user-friendly experience. You can rest easy knowing that your data is safe as you take advantage of features like e-statements, which help you keep track of your financial activities without cluttering your mailbox.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 548,791, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $10,138,458. 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. *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.

Operational Efficiency

Our impressive $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, 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 is robust, featuring $31,778 in used auto loans and $2,971,322,037 in total loans and leases that support members' financial goals across various sectors.

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 $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 Financing Options

For business owners in our community, we provide outstanding commercial loans totaling $397,577,069, offering essential capital needed for growth and expansion. Our commitment extends beyond personal finance; we aim to support local businesses thrive as well. We also encourage those interested in refinancing options or checking eligibility to reach out. Our team can provide insights tailored specifically for your situation. At Empower, we're not just about numbers; we're about people. We take pride in helping our members navigate their financial paths with clarity and confidence. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Feel free to contact us at 315-477-2200 during lobby hours (Monday-Friday: 9:00 am - 5:00 pm) or visit us online at empowerfcu.com for more information about our loan offerings!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already disbursed $571,156,760 in used vehicle loans and $237,066,776 in new vehicle loans to help members get on the road. Whether you're looking for financing on a brand-new model or a reliable used vehicle, our team is ready to assist you with competitive rates and flexible terms.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $486,276,719, making buying or refinancing simple. We believe that everyone deserves a place to call home, and our dedicated mortgage specialists are here to guide you through every step of the process.

Unsecured Credit Cards

Managing day-to-day expenses has never been easier with our unsecured credit card loans. We offer flexible terms and have issued a total of $104,830,995 in loans to help members manage their finances effectively. Whether you're looking to build credit or handle unexpected expenses, our credit cards come with various benefits tailored for your lifestyle.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing its data 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 users can trust that the offers they see are fair and transparent. The platform's commitment to data integrity helps users feel confident in their choices.

Benefits of Using LendMesh

LendMesh offers several key benefits to its users: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. 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!"

Get Started Today

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

Branch Location & Accessibility

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

ATM and Drive-Thru Services

Business Banking Support

Convenient Online and Mobile Banking

Flexible Loan Options

Home Financing Made Simple

Personal Banking Solutions

Rewarding Credit Card Choices

Digital & Online Banking

Always Accessible

Key Services Available

Mobile Banking on the Go

Security Meets Convenience

Financial Strength

Growing Member Base

Member-Centric Savings

Operational Efficiency

Reinvesting for Your Benefit

Strong Financial Health

Loan Offering

Additional Financing Options

Auto Loans

Mortgage Loans

Unsecured Credit Cards

Loan Aggregator

Accurate Loan Comparisons

Benefits of Using LendMesh

Get Started Today

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