Empower Credit Union Cicero NY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Empower, your trusted financial partner located at 5791 Route 31, Cicero, NY 13039. Since our establishment in 1939, we have dedicated ourselves to serving the financial needs of our community with integrity and care. With a proud membership of 277,374 and total assets exceeding $3.75 billion, Empower is committed to providing you with the best possible banking experience. At Empower, we understand that financial journeys are personal. That's why we offer a wide range of services tailored to fit your needs whether you're looking for checking and savings accounts, auto loans, or even mortgage options. Our members enjoy over $238 million in deposits, reflecting the trust our community has placed in us. Additionally, we have facilitated nearly 164,278 loans and leases, helping countless individuals and families achieve their dreams. Our leadership team, led by CEO Ryan McIntyre and Board President Patrick Piscitelli, works tirelessly to ensure that Empower remains a stable and innovative credit union. We take pride in our financial health; with a net worth of approximately $365 million and cash reserves of around $39 million, we're well-positioned to support our members' aspirations. While you can visit us at our Cicero branch for all your banking needs, please note that any official correspondence should be sent to our mailing address: PO Box 11127, Syracuse, NY 13218-1127. We invite you to explore everything Empower has to offer! Whether you need assistance or want to learn more about how we can help you reach your financial goals, please don't hesitate to call us at 315-477-2200. Join us today and experience firsthand why so many choose Empower as their preferred credit union! For more information on membership benefits or to open an account online, visit us at Empower FCU.

Branch History & Mission

At Empower, we proudly reflect on our rich history that dates back to 1939, when we first opened our doors in Cicero, NY. Over the decades, we have grown alongside our community, building a legacy of trust and service. Today, with a total membership of over 277,000 and assets exceeding $3.75 billion, Empower has become more than just a credit union; we are a vital part of the Cicero community. Located at 5791 Route 31, our branch is easily accessible to members and visitors alike. Just a stone's throw away from popular local landmarks, we strive to be a welcoming hub for all financial needs. While members can visit us at this address for their banking services, official correspondence should be directed to our mailing address at PO Box 11127, Syracuse, NY 13218-1127. Empower's mission is clear: we aim to provide exceptional financial services while fostering community support and engagement. We believe in empowering individuals and families by offering personalized solutions that help them achieve their financial goals. Our commitment extends beyond just banking; it encompasses outreach efforts aimed at uplifting the communities we serve. Throughout our journey, we've embraced advancements that enhance our members' experience. We offer online and mobile banking services, enabling convenient access to accounts anytime and anywhere. Our branch is ADA compliant, ensuring that everyone can enjoy our facilities without barriers. Additionally, we are proud to provide an ATM for easy cash access and a drive-thru service for those who prefer quick transactions. Community partnerships are also at the heart of what we do. By collaborating with local organizations and participating in outreach programs, Empower works tirelessly to make a positive impact in Cicero and beyond. As we look forward to the future, we invite you to join us on this journey. Experience the benefits of being part of Empower where your financial well-being is our priority. Whether you're looking for checking and savings accounts, auto loans, or personal loans, we're here to assist you every step of the way. Come visit us today or reach out at 315-477-2200 to learn more about how Empower can support your financial journey!

Branch Location & Accessibility

Connect With Us Today!

If you're looking for a credit union that puts its members first, look no further than Empower in Cicero. For any questions or assistance, feel free to give us a call at 315-477-2200. We can't wait to welcome you into our community!

Easy Access and Local Landmarks

Situated just a stone's throw from major landmarks, our Cicero branch is easy to find and reach. You'll notice us near popular spots that make your visit even more convenient. Plus, parking is readily available, ensuring you can come and go without any hassle. We also prioritize accessibility, featuring ADA-compliant entrances and ramps for all our members.

Operating Hours That Fit Your Schedule

We understand that life can get busy, so we offer flexible operating hours to accommodate your schedule. Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM and on Saturdays from 9:00 AM to 1:00 PM. If you prefer the drive-thru option, we welcome you 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 Tailored for You

At Empower, we offer 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. Need cash? Our ATM is available on-site for quick withdrawals and balance checks. Our drive-thru also provides a convenient way to handle simple transactions without leaving your vehicle. While members can visit us at 5791 Route 31, official correspondence should be sent to PO Box 11127 in Syracuse, NY.

Member Eligibility

At Empower, we believe that everyone deserves a chance to be part of a supportive financial community. Becoming a member at our Cicero branch is easy and welcoming! If you live, work, or worship in the areas we serve, or if you have a family member who is already a member, you're eligible to join us. We strive to create an environment where you can thrive financially, offering benefits like competitive rates on loans and savings accounts, personalized service, and access to valuable resources. To get started with your membership at Empower, simply check out the detailed eligibility criteria at this link for the most up-to-date information. When you're ready to open an account, the process is straightforward just visit this page or give us a call at (315) 477-2200. We're here to help you every step of the way at our branch located at 5791 Route 31 Cicero Ny 13039!

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 designed to make transactions smoother for your business. Imagine having the ability to accept payments seamlessly from customers anytime, anywhere. This flexibility not only enhances customer satisfaction but also streamlines your cash flow management. Visit us at 5791 Route 31 Cicero, NY 13039 or call 315-477-2200 to learn how Empower can support your business journey today!

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and small business owners, Empower offers robust business banking services. This includes merchant services that streamline transactions and help manage your finances more efficiently. Need funding for expansion? Our business loans can support your growth aspirations while ensuring manageable repayment options.

Digital Banking at Your Fingertips

We know that convenience is key in today's fast-paced world. That's why Empower prioritizes digital banking features that make accessing your accounts easier than ever. With our online and mobile banking services, you can check balances, pay bills, and transfer money from anywhere right from your smartphone or computer. Additionally, our ATM services allow for easy cash withdrawals and balance checks whenever you need them. Plus, we have a drive-thru facility available for basic transactions like deposits and withdrawals ideal for those who prefer face-to-face interaction without stepping inside the branch.

Personal Banking Made Easy

When it comes to personal banking, we offer various checking and savings accounts designed to help you manage your finances effectively. For those planning to buy a car or finance a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. If you're thinking about buying a home or refinancing your current mortgage, our mortgage loans are here to guide you through the process. In addition, if you find yourself in need of quick cash or want to consolidate debt, our personal loans can help ease that burden. And let's not forget about our credit cards with rewards, perfect for earning benefits on everyday purchases!

Your Trusted Financial Partner

At Empower, we believe in building lasting relationships with our members by offering comprehensive financial solutions under one roof. With experienced staff ready to assist you at every turn, we aim to empower your financial future. If you're ready to explore all these services and more, feel free to reach out! Call us at 315-477-2200 or visit us online at Empower. Let us help you take the next step in your financial journey today!

Digital & Online Banking

Accessibility and Ease-of-Use

At Empower, we believe that banking should be straightforward. Our digital services empower you to take control of your finances with ease. Whether you're using our website or mobile app, real-time account management is just a tap away. Need to send money to a friend? With our person-to-person transfer feature, it's quick and hassle-free. Join us at Empower where modern banking meets exceptional service. Experience the convenience of digital and online banking today!

Key Features

Security is a top priority for us at Empower. Our online banking system includes features like electronic signature authorization, ensuring that your transactions are not only simple but also secure. You can feel confident knowing your personal information is protected as you conduct business from the comfort of your home or on the go. For those who prefer mobile banking, our dedicated mobile application provides all the essential features right at your fingertips. Whether you're making person-to-person transfers or utilizing mobile payments, managing your money has never been easier. And with e-statements available, you can keep track of your financial activity without the clutter of paper statements.

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 trust is built through transparency and reliability, which is why we are proud to share our financial strength with 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 lending capacity supports your financial goals across various sectors with $31,778 in used auto loans and a total of $2,972,132,037 in loans and leases. Our operational efficiency is reflected in our net income of $29,971,164, enabling 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. Total Share 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 signifies the resources we have at hand to support your needs. 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 5791 Route 31 Cicero Ny 13039 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We currently have $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 terms and competitive rates for both new and used vehicles, making it easier than ever to drive away in the car you want.

Credit Lines and Business Loans

For those looking for additional financial flexibility, our total credit lines amount to $669,427,963. This option can be particularly beneficial for managing cash flow or unexpected expenses. Additionally, our outstanding commercial loans totaling $397,577,069 are designed for business owners needing capital for growth and expansion. At Empower, we're committed to providing you with the best possible options that suit your financial needs. If you're considering refinancing or would like to learn more about eligibility options for any of these products, feel free to reach out to 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. Explore our loan offerings today and see how we can support your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Property loans totaling $486,276,719, making buying or refinancing simple. We offer tailored solutions to fit your unique situation and help make your dream home a reality.

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 can be a great way to handle everyday expenses while building your credit.

Loan Aggregator

Key Benefits of Using LendMesh

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Empower

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Connect With Us Today!

Easy Access and Local Landmarks

Operating Hours That Fit Your Schedule

Services Tailored for You

Member Eligibility

Business Banking & Commercial Services

Commercial Loan Options

Merchant Services

Comprehensive List Of Services

Business Banking Solutions

Digital Banking at Your Fingertips

Personal Banking Made Easy

Your Trusted Financial Partner

Digital & Online Banking

Accessibility and Ease-of-Use

Key Features

Financial Strength

Loan Offering

Auto Loans

Credit Lines and Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Key Benefits of Using LendMesh

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