Empower Credit Union East Syracuse NY | Low Mortgage Rates & Quick Personal Loans

Introduction

At Empower, we believe that financial wellness is a journey best taken together. Since our establishment in 1939, we have proudly served our community from our branch located at 900 Kinne St, East Syracuse, NY 13057. With a dedicated membership of over 277,374, we are more than just a credit union; we are a trusted partner in your financial journey. While members can visit us at our branch address, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127. Our commitment to you is reflected in our robust financial standing, boasting total assets of $3,759,853,763 and total deposits amounting to $238,547,679. We take pride in supporting our members with various services, including personal banking accounts, auto loans, and business banking solutions. Led by CEO Ryan McIntyre and Board President Patrick Piscitelli, our team of 581 employees is dedicated to providing exceptional service and fostering strong relationships with each member. Our focus on community impact drives us to ensure that every interaction you have with us is meaningful and beneficial. Whether you're looking for loans or simply need advice on managing your finances, we are here to help. Feel free to reach out to us at 315-477-2200, or visit our website at Empower FCU for more information on how we can assist you today. Your journey toward financial success starts here!

Branch History & Mission

Welcome to Empower, where our story is woven into the fabric of East Syracuse, NY. Since opening our doors in 1939, we have proudly served our community with a steadfast commitment to providing quality financial services. Located at 900 Kinne St, East Syracuse, NY 13057, our branch has grown from humble beginnings into a trusted partner for over 277,000 members. Our mission at Empower is simple yet profound: to enhance the financial well-being of our members and uplift the communities we serve. We believe that everyone deserves access to affordable banking options and personalized support. This guiding principle drives us to offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Over the decades, we've celebrated many milestones our growth from a small credit union to managing total assets of approximately $3.76 billion reflects our dedication to serving members' needs effectively. Our state-of-the-art digital advancements ensure that banking is convenient and accessible for everyone. From online banking to mobile payments, we strive to make your experience seamless while maintaining compliance with ADA standards. While members can visit us at 900 Kinne St, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127. Our operating hours are designed for your convenience: Lobby Hours are Monday through Friday from 9:00 AM to 5:00 PM, and Drive-Thru service is available from 8:30 AM to 5:30 PM on weekdays. At Empower, we don't just focus on transactions; we aim to make a difference in our community. Through various outreach programs and partnerships with local organizations, we work tirelessly to support initiatives that foster growth and development in East Syracuse and beyond. Join us on this journey! Experience the benefits of being part of a community-focused credit union that truly cares about your financial success. Contact us today at 315-477-2200 or visit our website at empowerfcu.com to learn more about how you can become a member of Empower!

Branch Location & Accessibility

Accessibility Features

At Empower, we prioritize making banking accessible for everyone. Our branch offers ADA-compliant features, including ramps and ample parking spaces for all visitors. No matter your mobility needs, we strive to create a welcoming environment for everyone who walks through our doors.

Operating Hours

Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM, making it easy for you to stop by after work or during your lunch break. If you're looking to take care of some quick transactions, our drive-thru service is available Monday through Friday from 8:30 AM to 5:30 PM. Unfortunately, we are closed on Saturdays, but we're here during the week to assist with all your banking needs.

Services Offered

At Empower, we offer a wide range of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing options, our friendly staff is ready to help you navigate your financial journey. Need cash? We have an ATM available on-site for quick withdrawals and balance checks. We invite you to visit us at Empower in East Syracuse! If you have any questions or need assistance before your visit, feel free to call us at 315-477-2200. Your financial well-being is our priority!

Member Eligibility

At Empower, we believe in fostering a warm and welcoming community where every member feels valued and supported. If you're looking to join us at our branch located at 900 Kinne St East Syracuse Ny 13057, you're in the right place! To become a member, you simply need to meet certain eligibility criteria which are designed to ensure that our services cater to those who truly benefit from them. Generally, membership is open to individuals who live, work, or worship in the area, as well as their immediate family members. It's easy to check the full details on eligibility by visiting this page. Once you know you're eligible, opening an account is a straightforward process. You can start your journey with us by applying online through our account opening page. If you have any questions or need assistance along the way, don't hesitate to reach out at (315) 477-2200. We're excited to welcome you into the Empower family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine being able to process payments easily and securely, freeing up your time to focus on what you do best running your business. Our merchant services provide seamless solutions for accepting payments from customers, whether they pay with credit cards or mobile wallets. This convenience not only enhances customer satisfaction but also boosts your bottom line. Located at 900 Kinne St, East Syracuse, NY 13057, we are here to partner with you on your journey toward success. For more information or to discuss how we can assist your business, feel free to call us at 315-477-2200. Let's work together to build something great!

Tailored 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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Planning to purchase a new car? Our auto loans offer competitive rates and flexible terms tailored to your budget. We believe that getting behind the wheel should be an exciting experience, not a stressful one. That's why we work with you to find the financing option that suits your needs best, helping you hit the road with confidence.

Business Banking

For our entrepreneurial members, Empower offers tailored business banking solutions including merchant services and business loans. We're dedicated to supporting local businesses by providing financial tools that help them thrive in today's market.

Convenient Access & Support

Empower also provides ATM access for easy cash withdrawals and basic transactions, along with drive-thru service for quick visits when you're on the go. Our friendly staff is always ready to assist you with deposits and withdrawals, ensuring that banking remains straightforward and stress-free. To explore all these services further or if you have any questions, don't hesitate to call us at 315-477-2200. We're here Monday through Friday from 9:00 AM to 5:00 PM! Visit us at Empower or check out our website at www.empowerfcu.com for more information on how we can help you achieve your financial goals today!

Credit Cards with Rewards

With our credit cards featuring rewards programs, spending can earn you more than just convenience it can also provide benefits! Imagine using your card for everyday purchases and watching points accumulate towards cash back or travel perks.

Mortgage Loans & Refinancing

Owning a home is a significant milestone, and at Empower, we aim to make it achievable for everyone. Our mortgage loans come with various options for first-time buyers or those looking to refinance an existing loan. Picture yourself settling into your dream home while enjoying lower monthly payments thanks to our attractive mortgage rates.

Personal Banking

Whether you're looking to open a checking or savings account, Empower has you covered. Our personal banking options are designed to help you manage your money effectively. Imagine being able to set up automatic transfers to your savings account or access your funds whenever you need them through our user-friendly online and mobile banking platforms. With features like e-statements and electronic signature authentication, staying on top of your finances has never been easier.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses our way, but Empower is here to help. Whether you need a personal loan for medical bills or want to consolidate debt into manageable payments, we offer solutions that put you back in control of your financial journey.

Digital & Online Banking

At Empower, we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to meet your needs anytime, anywhere. Whether you're at home or on the go, our tools ensure you have full control over your accounts with just a few clicks or taps. With our online banking platform, you can access your accounts 24/7. This means you can check balances, pay bills, and transfer money whenever it suits you. Our mobile application enhances this experience even further, allowing you to manage your finances right from your smartphone. And if you want to send money to friends or family, our person-to-person transfer feature makes it quick and hassle-free. For those who prefer going paperless, we offer e-statements that keep your financial records organized and accessible without cluttering your mailbox. Plus, with electronic signature authorization available, signing documents is straightforward and secure no need for printing or mailing. Security is a top priority at Empower. Our systems are designed with robust protection measures so that you can bank confidently knowing that your information is safe. We also support mobile payments, making it easy for you to make purchases directly from your phone. In summary, whether you're accessing your account through our website or mobile app, Empower provides flexible banking options that prioritize both convenience and security. Join us today and experience a new level of financial management!

Financial Strength

A Growing Member Base

Total Share and Deposit Accounts: 548,791, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $10,138,458 further highlights our capacity to support your needs. In conclusion, 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 900 Kinne St East Syracuse Ny 13057 or call (315) 477-2200 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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 $29,971,164 reflects our operational efficiency, 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 who are always ready to assist you with a knowledgeable and committed team.

Reinvestment for Better Services

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 $2,971,322,037 in total loans and leases.

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 Options

For those who may be interested in refinancing existing loans or exploring eligibility options, we encourage you to reach out to us directly at 315-477-2200. Our team is here to guide you through the process and help find the best solution for your situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're ready to take the next step toward purchasing a vehicle or home or simply want more information about managing your finances with our credit products, Empower is here for you every step of the way. Visit us today and discover how we can help you achieve your financial aspirations!

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We've already issued over $571,156,760 in used vehicle loans and $237,066,776 in new vehicle loans to help members get on the road with confidence. Whether you're interested in financing a brand-new model or a dependable used vehicle, we have options tailored for you.

Credit Lines

If you're looking for more flexibility with your finances, consider our credit lines. We currently offer credit lines totaling $669,427,963, giving you access to funds when unexpected expenses arise or when opportunities come knocking.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $486,276,719, making it easier for you to invest in your dream home.

Unsecured Credit Card Loans

Managing your expenses is crucial for maintaining financial health. That's why we also provide flexible terms on unsecured credit card loans. With a total of $104,830,995 in loans already helping our members manage their finances effectively, you can enjoy peace of mind knowing you have support when you need it.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for all users. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions based on current market conditions. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this highlight the effectiveness of using LendMesh as a trusted resource.

How LendMesh Ensures Accurate Loan 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 commitment to sourcing ensures that users receive fair and transparent offers every time they compare loans. By relying on verified financial institutions, LendMesh guarantees that the information presented is both accurate and reliable.

Take Action 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

Accessibility Features

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Make a Difference

Tailored Loan Options

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Business Banking

Convenient Access & Support

Credit Cards with Rewards

Mortgage Loans & Refinancing

Personal Banking

Personal Loans & Debt Consolidation

Digital & Online Banking

Financial Strength

A Growing Member Base

Member-Centric Savings Options

Operational Efficiency

Reinvestment for Better Services

Solid Financial Health

Loan Offering

Additional Options

Auto Loans

Credit Lines

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Loan Comparisons

Take Action Today

Join Our Community