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

Introduction

Welcome to Empower, your trusted credit union located at 351 N Main St, Elmira, NY 14901. Since our establishment in 1939, we have proudly served our community, growing alongside our members and supporting their financial needs every step of the way. With a total membership exceeding 277,000, we are committed to providing personalized service and innovative financial solutions tailored to your unique circumstances. At Empower, our financial strength speaks volumes. We manage total assets of over $3.75 billion, ensuring that your deposits are secure and your loans are funded efficiently. Currently, we hold approximately $238 million in deposits and boast a robust loan portfolio with over 164,000 loans and leases issued. Our net worth stands at an impressive $365 million, reflecting our dedication to maintaining a solid foundation for our members. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be directed to our mailing address: PO Box 11127, Syracuse, NY 13218-1127. Our leadership team, headed by CEO Ryan McIntyre and Board President Patrick Piscitelli, is passionate about fostering a member-focused environment where everyone feels valued and supported. With a dedicated staff of 581 employees, we aim to provide exceptional service that goes beyond traditional banking. Whether you're looking for checking accounts, auto loans, or business financing options, Empower is here for you. For more information on how we can assist you today, please don't hesitate to give us a call at 315-477-2200 or visit our website at Empower FCU. Join us on this journey toward financial empowerment!

Branch History & Mission

Community Commitment

Our story isn't just about numbers; it's about people. Empower believes in giving back to the community that has supported us for so long. Through various outreach programs and partnerships with local organizations, we aim to uplift those around us. We understand that when our community thrives, we all benefit. As we look toward the future, we continue to innovate while staying true to our roots. We are committed to ensuring that every member feels valued and supported. If you're looking for a credit union that prioritizes your needs and invests in its community, consider becoming a part of Empower today! Experience firsthand the benefits of being a member-focused credit union where your voice matters. Feel free to reach out at 315-477-2200 or visit us during our operating hours: Monday through Friday from 9:00 am - 5:00 pm and Saturdays from 9:00 am - 1:00 pm. Together, let's build a brighter financial future!

Our Mission

At Empower, our mission is simple yet powerful: to improve the financial lives of our members through personalized services and community support. We believe that everyone deserves access to quality financial solutions that fit their unique needs. Whether it's personal banking, auto loans, mortgages, or business banking services, we strive to make every interaction meaningful and impactful. We take pride in our customer-centric approach. Our team is dedicated to helping you navigate your financial journey with ease. With features like online banking, mobile payments, and ATMs available for your convenience, we've embraced technology while maintaining the human touch that defines us.

Branch Location & Accessibility

Accessibility Features

At Empower, we prioritize accessibility for all our members. Our branch is designed with ADA compliance in mind, featuring ramps and wide doorways to accommodate everyone comfortably. Plus, there's ample parking available right outside our entrance for your convenience.

Call to Action

Ready to take the next step? We invite you to stop by our Elmira branch or give us a call at 315-477-2200. Our dedicated staff is eager to assist you with any questions or services you may need. Come see how Empower can help you achieve your financial goals today!

Convenient Operating Hours

We understand that life can get busy! That's why we offer flexible operating hours. Visit us Monday through Friday from 9:00 AM to 5:00 PM and on Saturdays from 9:00 AM to 1:00 PM for lobby services. If you prefer drive-thru banking, we're open Monday through Friday from 8:30 AM to 5:30 PM and Saturdays from 9:00 AM to 1:00 PM.

Services Offered

At Empower, we provide a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need a quick withdrawal? Our ATM is readily available for your convenience.

Member Eligibility

At Empower, we believe that becoming a member is like joining a family that supports and uplifts each other. If you're looking to be part of our community at 351 N Main St, Elmira, NY 14901, we welcome you with open arms! To qualify for membership, you simply need to live, work, worship, or attend school in the areas we serve. This means if you're connected to our vibrant community in any way, you're likely eligible! The process to join us is straightforward; you can easily start by visiting our website for detailed eligibility criteria at Empower Membership Benefits. Once you're ready to open an account, the next steps are just as simple! You can fill out your application online at Account Opening or give us a call at 315-477-2200 for assistance. Becoming a member not only gives you access to a range of financial services but also connects you with a supportive network dedicated to helping you achieve your financial goals. We can't wait to welcome you into the Empower family!

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 today's fast-paced market, effective payment processing can set your business apart. Our merchant services enable you to accept payments easily, whether in-store or online, ensuring you never miss a sale. Picture a local café streamlining orders through mobile payments or a retail shop enhancing customer experience with quick checkouts these are just some practical benefits of partnering with us. Visit us at 351 N Main St Elmira Ny 14901 in Elmira, NY, or give us a call at (315) 477-2200 to learn more about how we can help your business grow!

Comprehensive List Of Services

Business Solutions

For our entrepreneurial members, we provide comprehensive business banking services, including merchant services and business loans. This means whether you're just starting out or looking to expand, Empower is here to support your journey.

Cash Withdrawal Services

Need cash on the go? With our ATM and cash withdrawal services, accessing your funds has never been easier. You can rely on basic ATM access for quick withdrawals or balance checks when you're out and about.

Credit Cards and Rewards

We understand that every little reward counts. That's why we offer credit cards with rewards that let you earn as you spend. Whether it's for everyday purchases or special treats, our credit card program helps you get more out of your money.

Drive-Thru Convenience

For those who prefer face-to-face interactions but value speed, our basic drive-thru banking offers easy deposits, withdrawals, and simple transactions without needing to step inside. At Empower, we strive to make banking accessible for everyone in Elmira. Our branch located at 351 N Main St, is ready to assist you with all your financial needs. If you have any questions or want to learn more about our services, don't hesitate to call us at 315-477-2200. Ready to take the next step? Visit us today or check out our website at Empower for more information on how we can help you achieve your financial goals!

Embracing Digital Banking

In today's fast-paced world, we know convenience is key. That's why our online and mobile banking features allow you to manage your accounts anytime, anywhere. From checking balances to transferring funds, everything can be done at your fingertips.

Personal Banking Made Easy

Whether you're looking to open a checking or savings account, or perhaps you need help financing your next vehicle, we've got you covered. Our auto loans and vehicle financing options are designed to fit your budget and lifestyle. Imagine driving away in your dream car with a loan that suits your financial plan perfectly! If homeownership is on your mind, our mortgage loans and refinancing services can guide you through the process, ensuring that you secure the best terms available. For those unexpected expenses or consolidating debt, consider our personal loans that can ease your financial burden.

Digital & Online Banking

Key Features

Stay organized and eco-friendly with e-statements available at Yes. You can easily keep track of your transactions without the clutter of paper statements. Need to sign documents? With electronic signature authorization available at Yes, completing paperwork has never been easier or faster. For those moments when you need to send money to friends or family quickly, our person-to-person transfer feature makes it simple and convenient. And if you're always on the go, enjoy the ease of mobile payments through Yes, so you can make purchases directly from your phone.

Round-the-Clock Access

Our 24/7 online banking services ensure that you have access to your accounts whenever you need it. Whether it's checking your balance late at night or making a quick payment during lunch breaks, we've got you covered. At Empower, we prioritize accessibility and ease-of-use in all our offerings. Join us today and experience the freedom that comes with modern banking!

Financial Strength

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. 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 351 N Main St Elmira Ny 14901 or call (315) 477-2200 to learn more about how we can help you achieve your financial goals.

Investing Back into the Community

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 members' financial goals across various sectors with $31,778 in used auto loans and $2,971,322,037 in total loans and leases.

Member-Centric Approach

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.

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

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have issued over $571,156,760 in used vehicle loans and $237,066,776 in new vehicle loans, helping our members get on the road with confidence. Whether you're interested in financing a brand-new vehicle or a reliable used car, we have options that fit your budget.

Business Loans

For business owners looking for growth opportunities, we offer outstanding commercial loans totaling $397,577,069. These loans are designed to provide the capital necessary for expansion and development. At Empower, we believe that financial empowerment begins with access to the right resources. If you're ready to explore our loan offerings or want more information on how we can assist you further, please don't hesitate to call us at 315-477-2200 or visit our website at www.empowerfcu.com. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Join us today and take a step toward achieving your financial aspirations!

Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $104,830,995 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can enhance your everyday spending.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple and accessible. With total Junior Lien 1-4 Family Residential Properties loans amounting to $486,276,719, we are committed to supporting you through every step of the home-buying process. If you need assistance with refinancing your current mortgage, our knowledgeable team is ready to guide you through eligibility options.

Loan Aggregator

Benefits of Using LendMesh

- 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!" This kind of feedback underscores the platform's effectiveness in connecting borrowers with favorable loan options. 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.*

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 ensures that users receive fair and transparent offers. Each loan listing is verified for accuracy, so you can trust that the information presented reflects current market conditions.

Empower

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Community Commitment

Our Mission

Branch Location & Accessibility

Accessibility Features

Call to Action

Convenient Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Commercial Loan Options

Merchant Services

Comprehensive List Of Services

Business Solutions

Cash Withdrawal Services

Credit Cards and Rewards

Drive-Thru Convenience

Embracing Digital Banking

Personal Banking Made Easy

Digital & Online Banking

Key Features

Round-the-Clock Access

Financial Strength

Growing Member Base

Investing Back into the Community

Member-Centric Approach

Operational Efficiency

Strong Financial Health

Loan Offering

Auto Loans

Business Loans

Credit Card Loans

Mortgage Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Loan Comparisons

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