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

Introduction

Welcome to Empower, your trusted financial partner located at 520 S 2Nd St, Fulton, NY 13069. Since our establishment in 1939, we have proudly served our community, growing to a strong membership of 277,374 individuals who rely on us for their banking needs. As part of the Empower family, you have access to a wealth of resources, including over $3.75 billion in assets and a robust portfolio that features $238,547,679 in total deposits and more than 164,278 loans and leases. At Empower, we believe in building lasting relationships with our members. Our dedicated team of 581 employees, led by CEO Ryan McIntyre and Board President Patrick Piscitelli, is committed to providing personalized service that meets your unique financial goals. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans or mortgages, we're here to help. While members can visit us at our branch location in Fulton, official correspondence should be sent to our mailing address: PO Box 11127, Syracuse, NY 13218-1127. We take pride in being more than just a credit union; we are an integral part of the community. With a net worth of $365,681,043, we are well-positioned to support both individual and business members through various services such as online banking, mobile payments, and more. Are you ready to experience the Empower difference? Feel free to call us at 315-477-2200 or visit our website at empowerfcu.com for more information. Your financial journey starts here!

Branch History & Mission

Empower has a rich legacy in the heart of Fulton, NY, where it opened its doors in 1939. Since then, we have been dedicated to serving our community with reliable financial services. Over the years, we have grown significantly, now proudly supporting a membership base of over 277,000 individuals who trust us with their financial needs. Our branch is conveniently located at 520 S 2Nd St, Fulton, NY 13069. This central location makes it easy for members to access our services while being close to local landmarks that are familiar to the community. Whether you're stopping by for a quick banking transaction or exploring our various loan options, we're here to help. At Empower, our mission is clear: we aim to provide exceptional financial services while fostering strong community ties. We believe in empowering our members not just through banking but also by giving back to the community. Our commitment extends beyond transactions; we actively engage in outreach programs and partnerships that uplift those around us. This includes offering resources for financial literacy and supporting local initiatives that enhance the well-being of our neighborhoods. As times change, so do we. We've embraced digital advancements to make banking easier and more accessible for everyone. With online and mobile banking options available, members can manage their finances from anywhere at any time. We take pride in ensuring that our facilities are ADA compliant, making banking accessible for all. Additionally, our branch features an ATM for convenient cash withdrawals and a drive-thru service for quick transactions without leaving your car. Our operating hours are designed with your convenience in mind: Monday through Friday from 9:00 am to 5:00 pm and Saturdays from 9:00 am to 1:00 pm. With total assets exceeding $3.75 billion, Empower stands as a stable and trustworthy institution within the region. We invite you to join our family of members who benefit from competitive rates on loans and savings accounts, as well as personalized support tailored to your unique needs. While members can visit us at 520 S 2Nd St, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127. If you're looking for a credit union that prioritizes your financial success while contributing positively to the community, look no further than Empower. Join us today and experience the difference! For more information or assistance, please call us at 315-477-2200 or visit our website at Empower FCU.

Branch Location & Accessibility

Connect With Us

Have questions or ready to start your banking journey with us? Don't hesitate to give us a call at 315-477-2200. Our friendly staff is eager to assist you! Visit us today at Empower in Fulton where convenience meets community banking!

Nearby Landmarks and Accessibility Features

Empower is situated near several familiar landmarks, making it a breeze for you to visit us. Our branch is close to local shops and eateries, allowing you to run errands with ease. We pride ourselves on being accessible for everyone, including those with mobility challenges. The branch features ADA-compliant ramps and ample parking space right outside, so you can access our services comfortably.

Operating Hours and Services Offered

We understand that your time is valuable. That's why our lobby hours are designed to fit your busy schedule open Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. If you're on the go, take advantage of our drive-thru banking options available during similar hours for quick deposits and withdrawals. At Empower, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Need cash? Our ATM service is available for easy withdrawals and balance checks anytime you need it.

Member Eligibility

At Empower, we believe that joining our community is more than just opening an account it's about becoming part of a supportive family that values your financial well-being. If you're wondering how to become a member, the process is simple and welcoming! To be eligible, you need to live, work, worship, or attend school in the areas we serve. We also welcome family members of existing members, making it easy for everyone to benefit from our services. For more details on eligibility requirements, feel free to check out our website at this link. Once you know you're eligible, opening an account with us is a breeze! You can get started online by visiting this page or give us a call at (315) 477-2200 if you have any questions. Our branch at 520 S 2Nd St Fulton Ny 13069 is here to help you every step of the way. Join Empower today and experience the difference of being part of a credit union that truly cares about its members!

Business Banking & Commercial Services

Financing Your 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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $397,577,069, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Tailored for You

In today's competitive landscape, having the right tools can make a big difference. Our merchant services help streamline your transactions, making it easier for customers to pay and for you to manage cash flow. Imagine being able to accept payments seamlessly, whether online or in-store, while accessing vital data that helps you make informed decisions about your business. Visit us at 520 S 2Nd St Fulton Ny 13069 in Fulton, NY, or call us at (315) 477-2200 to learn how we can help your business thrive!

Comprehensive List Of Services

Additional Services

For quick transactions or deposits, our basic Drive-Thru Banking is available for simple tasks like deposits and withdrawals. You can also utilize our basic ATM access for quick withdrawals and balance checks whenever needed.

Business Banking Solutions

For our small business owners, we provide essential Business Banking services, including Merchant Services & Business Loans to help you grow your enterprise. We know how hard you've worked, and we're committed to supporting your success.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why our Online & Mobile Banking platforms allow you to manage your accounts anytime, anywhere. Whether it's checking your balance or transferring funds between accounts, everything is just a click away. Our ATM & Cash Withdrawal Services ensure that accessing your money is easy and efficient.

Get Started Today!

Ready to take control of your finances? Call us at 315-477-2200 or visit our website at Empower to learn more about how we can assist you. Join us at Empower and experience the difference in personalized financial service today!

Personal Banking Services

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Checking & Savings Accounts designed to fit various lifestyles. Need funds for a new car? Our Auto Loans & Vehicle Financing options provide flexible terms so you can drive away in your dream vehicle without stress. For those considering homeownership or refinancing, our Mortgage Loans & Refinancing services are tailored to make this process smooth and straightforward. If you're facing unexpected expenses, our Personal Loans & Debt Consolidation solutions can give you the relief you need while keeping your budget intact. Additionally, we offer Credit Cards with Rewards, making it easy for you to earn points on everyday purchases perfect for those who love to travel or dine out.

Digital & Online Banking

Easy Access to Your Accounts

With our online banking platform, you can check balances, transfer money, pay bills, and manage your accounts anytime 24/7! This means you can handle your financial tasks whenever it fits your schedule without needing to visit a branch.

Go Paperless with E-Statements

Say goodbye to clutter! Our e-statements feature lets you receive your account statements electronically. Not only is this more convenient, but it also helps reduce paper waste. You'll have quick access to your statements whenever you need them.

Make Payments Effortlessly

With our mobile payments feature, paying for groceries or splitting a bill with friends is as easy as a few taps on your phone. You can enjoy the freedom of cashless transactions while keeping everything organized in one place. At Empower, we strive to provide accessible and user-friendly services that empower you to take control of your finances. Embrace the ease of modern banking today!

Secure Transactions at Your Fingertips

We prioritize your safety with features like electronic signature authorization, making it simple to approve transactions securely. Plus, our mobile application allows you to bank right from your smartphone, giving you access to all the features you need while you're out and about. Whether you're making purchases or sending money to friends through our person-to-person transfer service, you can do it all with peace of mind.

Financial Strength

Committed to Growth

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.

Growing Trust

Total Share and Deposit Accounts stand at 548,791, showing a strong and growing member base that trusts us with their finances. Net Shares (funds available for lending and investments) amount to $10,138,458, further showcasing our ability 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 520 S 2Nd St Fulton Ny 13069 or call (315) 477-2200 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are safeguarded through our substantial holdings of $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 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.

Solid Financial Foundation

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 offer some of the lowest rates in the industry, with over $571,156,760 in used vehicle loans and $237,066,776 in new vehicle loans already helping members get on the road. Whether you're purchasing a new ride or financing a reliable used car, our flexible terms and competitive rates make it easy to drive away with confidence.

Business Loans

For business owners looking to expand their operations or invest in new opportunities, our outstanding commercial loans totaling $397,577,069 provide the capital needed to grow and succeed. We understand that businesses face unique challenges and are here to support you every step of the way.

Credit Lines

Need extra cash for unforeseen expenses? Our total credit lines amount to $669,427,963, giving you access to funds when you need them most. This can be a great option for managing larger purchases or unexpected bills.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $486,276,719, make buying or refinancing simple. We can guide you through the mortgage process and help you find a solution that fits your budget and lifestyle.

Refinancing Options

If you're considering refinancing any of these loans or have questions about eligibility options, we're here to help. Our team is dedicated to working with you to explore your options and find the best financial solutions tailored to your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're ready to take the next step towards achieving your financial goals or have questions about our loan offerings, feel free to contact us at 315-477-2200 or visit us online at Empower. Let's work together towards your success!

Unsecured Credit Card Loans

Managing everyday expenses? 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. Our credit cards come with rewards and no hidden fees, making them an excellent choice for everyday purchases.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help you navigate the complex world of lending with ease and confidence. LendMesh ensures accurate loan comparisons through a transparent sourcing process. Loan data on LendMesh comes 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 integrity guarantees that users receive fair and transparent offers when searching for loans. One key benefit of using LendMesh is its focus on verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. This means that users can trust they are receiving unbiased results that reflect true market conditions. Real-time rate comparisons are another significant advantage. Users can access up-to-date loan rates from multiple institutions, which aids in making informed decisions tailored to their financial needs. 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!" If you're looking for clarity and reliability in your loan search, 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

Connect With Us

Nearby Landmarks and Accessibility Features

Operating Hours and Services Offered

Member Eligibility

Business Banking & Commercial Services

Financing Your Growth

Merchant Services Tailored for You

Comprehensive List Of Services

Additional Services

Business Banking Solutions

Digital Banking Features

Get Started Today!

Personal Banking Services

Digital & Online Banking

Easy Access to Your Accounts

Go Paperless with E-Statements

Make Payments Effortlessly

Secure Transactions at Your Fingertips

Financial Strength

Committed to Growth

Growing Trust

Member-Centric Savings

Operational Efficiency

Solid Financial Foundation

Loan Offering

Auto Loans

Business Loans

Credit Lines

Mortgage Loans

Refinancing Options

Unsecured Credit Card Loans

Loan Aggregator

Join Our Community