Empower Credit Union Chittenango NY | Affordable Vehicle Loans & ATM Services

Introduction

At Empower, we believe in building a strong financial future for our members and our community. Located at 278 Genesee St, Chittenango, NY 13037, our credit union has been serving the area since 1939. With a proud membership base of over 277,000 individuals, we are dedicated to providing personalized banking solutions that cater to the unique needs of our community. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127. At Empower, we're not just about numbers; we're about people. Our total assets stand strong at an impressive $3.76 billion, reflecting our commitment to financial stability and growth. We offer a wide range of services including personal and business loans, checking and savings accounts, as well as innovative online and mobile banking options. Currently, we have facilitated 164,278 loans to support our members' dreams and ambitions. Led by CEO Ryan McIntyre and Board President Patrick Piscitelli, our team of 581 employees works tirelessly to ensure that your experience with us is exceptional. Whether you're looking for auto financing or want to explore mortgage options, we're here for you every step of the way. Our net worth of $365.68 million and cash on hand amounting to $39.79 million demonstrate our robust financial health an assurance that you can trust us with your hard-earned money. We invite you to discover how Empower can help you achieve your financial goals today! Visit us at our Chittenango branch or call us at 315-477-2200 for more information on how we can serve you better.

Branch History & Mission

Community-Centric Approach

Our commitment extends beyond individual members; it encompasses the entire Chittenango area. We prioritize ADA compliance in our facilities to ensure everyone can access our services comfortably. With features like online banking, mobile payments, and drive-thru services available Monday through Friday from 8:30 AM to 5:30 PM (with lobby hours until 5:00 PM), we make banking convenient for all lifestyles. While members can visit us at 278 Genesee St Chittenango Ny 13037, official correspondence should be sent to PO Box 11127 in Syracuse if needed. You can reach us at (315) 477-2200 for any inquiries or assistance. Empower is more than just a credit union; it's a community where dreams take shape through smart financial choices. Join us today and experience the benefits of being part of something bigger a place where your financial health matters. We invite you to explore how Empower can support your journey toward financial wellness. Visit us or check out more about membership options here. Together, let's build a brighter future!

Our Mission

At Empower, we believe that everyone deserves the opportunity for financial success. Our mission is centered around serving our members with integrity, transparency, and respect. We strive to make banking easier through a variety of services including personal checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and business banking solutions. Whether you need help buying your first car or managing your business finances, we're here for you every step of the way. We also recognize that service goes beyond just transactions. We actively engage in community outreach programs and partnerships that uplift those around us. Our goal is not only to be your trusted financial partner but also a positive force in Chittenango and beyond.

Branch Location & Accessibility

Convenient Access and Features

At Empower, we understand that accessibility is key. That's why our branch features ADA-compliant facilities, including ramps and designated parking spots to ensure everyone can visit us comfortably. If you prefer the ease of drive-thru banking, we have you covered with our drive-thru services available Monday through Friday from 8:30 AM to 5:30 PM.

Join Us Today!

Whether you're looking for a new checking account or exploring loan options, we invite you to stop by or give us a call at 315-477-2200. Our team at Empower Credit Union is excited to assist you on your financial journey!

Operating Hours and Services

Our lobby hours are designed to fit your busy schedule, open Monday through Friday from 9:00 AM to 5:00 PM. Whether you need assistance with personal banking, auto loans, or any of our other services, our knowledgeable staff is here to help. Don't forget that we also offer ATM services for quick cash withdrawals and balance checks right at your convenience! While members can visit us at our Chittenango location, official correspondence should be sent to PO Box 11127 in Syracuse if needed.

Member Eligibility

Becoming a member of Empower is like stepping into a welcoming community where your financial well-being is the top priority. If you live, work, worship, or attend school in Madison County, or if you have an immediate family member who does, you're already eligible to join us! We believe that everyone should have access to financial services that are both supportive and beneficial, and becoming a member at Empower opens the door to a variety of advantages, including competitive rates on loans and personalized banking services. To get started, simply visit us at our Chittenango branch located at 278 Genesee St Chittenango Ny 13037, or give us a call at (315) 477-2200 for more information. You can also check out our detailed membership criteria at http://www.empowerfcu.com/about-us/membership-benefits. Once you're ready to open an account, the process is straightforward just head over to https://my.empowerfcu.com/registration to fill out your application online. Join us today and experience the benefits of being part of the Empower family!

Business Banking & Commercial Services

Merchant Services That Empower Your Sales

In addition to loans, we offer robust merchant services that simplify payment processing for your business. Imagine being able to accept payments easily and securely whether it's through credit cards or mobile payments allowing you to focus on what you do best: running your business. With all these services at your disposal, Empower is here to help you thrive in today's competitive marketplace. For more information or to get started, visit us today at 278 Genesee St Chittenango Ny 13037 or call us at (315) 477-2200!

Tailored Loan Options for 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. - 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

For entrepreneurs, our business banking solutions include merchant services and business loans tailored specifically for small businesses. We understand the challenges of running a business, which is why we offer resources and support designed to help you thrive.

Convenient Access

At Empower, convenience is key. Our online and mobile banking features allow you to manage accounts anytime, anywhere. You can perform essential tasks like checking balances, transferring funds, and paying bills all from the comfort of your home or on the go. We also provide easy access to cash with our ATM services located throughout the area, ensuring that you can withdraw funds whenever necessary without hassle. For those who prefer face-to-face interaction, our basic drive-thru banking offers deposits and withdrawals while maintaining quick service.

Credit Cards and Rewards

Our credit cards with rewards give you more than just purchasing power; they offer benefits that can enhance your everyday spending. Picture earning points on groceries or gas that you can redeem for travel or other perks it's a smart way to make your money work for you.

Let Us Help You Today!

With all these services available at Empower, you're never alone on your financial journey. If you're ready to take the next step or want more information about how we can assist you further, please don't hesitate to reach out at 315-477-2200 or visit us at our branch located at 278 Genesee St Chittenango, NY 13037. Explore what it means to be part of a community-focused credit union where your needs come first!

Personal Banking Solutions

When it comes to personal banking, Empower offers various options to help you manage your money effectively. Our checking and savings accounts are designed with your lifestyle in mind, offering flexibility and ease of access. Imagine being able to track your spending and savings effortlessly through our user-friendly online and mobile banking platforms. You can also set up automatic transfers to reach your savings goals faster. If you're considering buying a car, our auto loans and vehicle financing options make the process straightforward. With competitive rates and personalized guidance, we help you find a loan that fits your budget. Additionally, our mortgage loans and refinancing services provide you with the support needed to make one of the biggest investments of your life. For those unexpected expenses or plans that require extra cash, consider our personal loans and debt consolidation services. We work with you to create a manageable repayment plan that eases financial pressure.

Digital & Online Banking

Key Services

Our online platform allows you to manage your finances easily. You can check your balances, transfer funds, and pay bills without ever stepping foot in a branch. Plus, our e-statements feature makes it simple to stay organized; you'll receive your account statements electronically, reducing clutter and providing easy access whenever you need them. Need to send money to friends or family? Our person-to-person transfer option lets you do just that with a few taps on your phone. And if you're always on the go, our mobile application ensures that everything you need is right in your pocket. From tracking expenses to making payments using mobile payments, managing your money has never been easier.

Security and Accessibility

We prioritize your security with features like electronic signature authorization, giving you peace of mind when signing documents digitally. Our user-friendly interface is designed for everyone whether you're tech-savvy or just getting started with online banking. With all these tools at your disposal, managing your finances is not only straightforward but also secure. At Empower, we're committed to making banking more accessible and convenient for all our members. Explore our digital banking services today by visiting https://www.empowerfcu.com/!

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. With our strong financial foundation, you can trust that your money is safe and well-managed. 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 and stronger lending options to serve our members better. Our lending capacity is also impressive; with $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 operational efficiency is reflected in our net income of $29,971,164, which enables us to continue offering competitive loan rates and solid financial products for our members. We 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. Net Shares (Funds available for lending and investments) stand at $10,138,458. Additionally, the total number of share accounts has reached an impressive 548,791, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving or borrowing or planning for the future, Empower is your trusted partner. Visit us at 278 Genesee St Chittenango NY 13037 or call 315-477-2200 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $571,156,760 in used vehicle loans and $237,066,776 in new vehicle loans to help our members get on the road smoothly. Whether you're purchasing a brand-new vehicle or a reliable used one, we have flexible terms that can work for you.

Business Financing

For business owners looking to expand or invest further in their ventures, our outstanding commercial loans totaling $397,577,069 provide the capital needed for growth. We understand the unique challenges businesses face and are dedicated to supporting local entrepreneurs. At Empower, we prioritize our members' financial well-being. For more information on how you can take advantage of our loan offerings or explore refinancing options available to you, please don't hesitate to reach out 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. Explore how Empower can help you achieve your financial dreams today!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $104,830,995 in unsecured credit card loans helping members manage their finances effectively, our credit cards come with various benefits that can make day-to-day spending easier.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $486,276,719. If you're interested in exploring refinancing options or determining eligibility for a mortgage with us, we are here to assist you through the entire process.

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Verified Data

Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information they see is current and reliable, helping them make informed decisions.

Empower

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Community-Centric Approach

Our Mission

Branch Location & Accessibility

Convenient Access and Features

Join Us Today!

Operating Hours and Services

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Empower Your Sales

Tailored Loan Options for Growth

Comprehensive List Of Services

Business Banking Services

Convenient Access

Credit Cards and Rewards

Let Us Help You Today!

Personal Banking Solutions

Digital & Online Banking

Key Services

Security and Accessibility

Financial Strength

Loan Offering

Auto Loans

Business Financing

Credit Card Loans

Mortgage Loans

Loan Aggregator

No Sponsored Listings

Real-Time Rate Comparisons

Verified Data

Join Our Community