Empower Credit Union Johnson City NY | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Empower, your trusted financial partner located at 760 Harry L Dr, Johnson City, NY 13790. Established in 1939, our credit union has been dedicated to serving the community for over eight decades. With a thriving membership base of 277,374 individuals, we pride ourselves on being more than just a financial institution; we are a vital part of our members' lives. At Empower, we understand that your financial goals matter. That's why we offer a range of services tailored to meet your needs, whether you're looking for personal banking options, auto loans, or business financing solutions. Our total assets amount to an impressive $3,759,853,763, ensuring that we have the resources necessary to support you on your financial journey. While members can visit us at our branch in Johnson City, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127. This allows us to maintain efficient communication while focusing on providing you with outstanding service. Led by our CEO Ryan McIntyre and Board President Patrick Piscitelli, our team is committed to fostering a welcoming environment where you feel valued and supported. With a dedicated workforce of 581 employees, we strive to make every interaction meaningful and helpful. We invite you to explore all that Empower has to offer! Whether you're looking for loans (with over 164,278 approved), savings accounts, or expert advice from our staff, we're here for you. For more information or assistance, feel free to reach out at (315) 477-2200 or visit our website at Empower FCU. Your financial future starts here!

Branch History & Mission

Join Us

We invite you to experience the Empower difference. Join our family today and enjoy the benefits of being a member of a credit union that truly cares about your financial success. Visit us online at www.empowerfcu.com for more information on how you can become part of our growing community!

Our Evolution

Over the decades, Empower has experienced significant growth and transformation. We began as a small credit union focused on providing essential financial services to those in need. Today, we boast total assets of over $3.75 billion, which reflects our dedication to fostering financial well-being among our members. Our journey has seen us expand our offerings to include various personal and business banking solutions such as checking accounts, auto loans, mortgages, credit cards with rewards, and much more. Our headquarters is based in Syracuse, NY, where we continue to innovate and improve the ways we serve our members. We understand that banking needs evolve with time; thus, we have embraced advancements in technology to provide online banking and mobile payment options for convenience and accessibility.

Our Mission

Empower's mission is simple yet profound: to enrich the lives of our members through exceptional financial services while strengthening the communities we serve. We believe that banking should be more than just transactions; it should be about building relationships and supporting one another. In addition to offering competitive rates and personalized service, we actively engage in community outreach initiatives. Whether it's partnering with local organizations or hosting events that encourage financial literacy, our commitment to making a positive impact is unwavering.

Visit Us

While you can easily reach us at 760 Harry L Dr, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127 if different from our branch address. Our friendly team is available during lobby hours from Monday to Friday from 9:00 am to 5:00 pm, and on Saturdays from 9:00 am to 1:00 pm. We also offer drive-thru services for added convenience. For any inquiries or assistance, feel free to call us at 315-477-2200. With an ATM available at our location and drive-thru banking options, accessing your funds has never been easier.

Branch Location & Accessibility

Accessibility Features

At Empower, we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and designated parking spaces to assist those who may need them. We want everyone to feel comfortable and welcome when they visit us.

Contact Us

If you have questions or need assistance before your visit, don't hesitate to call us at 315-477-2200. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127. We invite you to come experience the Empower difference! Visit us today and discover how we can help you achieve your financial goals.

Operating Hours & Services

We're here to serve you during convenient hours: our lobby is open Monday through Friday from 9:00 am to 5:00 pm, and on Saturday from 9:00 am to 1:00 pm. For those on the go, our drive-thru services are available during extended hours Monday through Friday from 8:30 am to 5:30 pm and Saturday from 9:00 am to 1:00 pm. Whether you're looking to deposit a check, withdraw cash, or just chat about your banking needs, we're here to help! Additionally, we offer a range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Plus, enjoy the convenience of our ATM services available right at our location.

Member Eligibility

At Empower, we believe that becoming a member is more than just opening an account it's about joining a caring community that supports your financial journey. Membership is open to anyone who lives, works, or worships in our local area, as well as their family members. Whether you're looking for personal banking options or need assistance with loans and credit cards, we have tailored services just for you. Joining us is simple! To start the process, you can visit our branch located at 760 Harry L Dr Johnson City Ny 13790 or give us a call at (315) 477-2200. For detailed eligibility criteria, feel free to check out our website at http://www.empowerfcu.com/about-us/membership-benefits. Once you're ready, opening an account is a breeze; just head over to https://my.empowerfcu.com/registration to get started. We can't wait to welcome you into the Empower family!

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. - With an outstanding commercial loan portfolio of $397,577,069, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Sense

In addition to loans, our merchant services simplify transactions, allowing you to focus on what matters most growing your business. From easy payment processing to managing cash flow, we provide tools that make everyday operations smoother. This means less time worrying about finances and more time connecting with customers. Located at 760 Harry L Dr Johnson City Ny 13790 in Johnson City, NY, we're here to empower your business journey. For any inquiries or assistance, don't hesitate to call us at (315) 477-2200. Let's work together toward your success!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With an ATM on-site, getting cash when you need it is simple. Our ATM allows for quick withdrawals and balance checks perfect for busy days when time is of the essence.

Auto Loans & Vehicle Financing

Thinking about buying a car? Our Auto Loans & Vehicle Financing options make it easy for you to drive away in the vehicle of your dreams. We offer competitive rates and flexible terms that cater to various budgets. With Empower, financing your new ride is straightforward and stress-free.

Business Banking

For business owners, our Business Banking services include Merchant Services & Business Loans tailored specifically for small businesses. We know how important cash flow is for entrepreneurs; that's why we offer resources and assistance that make running your business smoother.

Credit Cards with Rewards

Our Credit Cards with Rewards program lets you earn points for everyday purchases! This means every time you swipe your card for groceries or gas, you're working towards exciting rewards. Plus, with manageable interest rates and no hidden fees, you can use your card confidently.

Drive-Thru Banking

Need a quick transaction but don't have time to come inside? Our Basic Drive-Thru Banking service makes deposits, withdrawals, and simple transactions as easy as pulling up in your car. At Empower in Johnson City, NY, we strive to create an environment where members feel valued and supported at every turn. With digital banking features that prioritize ease of access and overall convenience, managing your finances has never been easier. If you'd like to learn more about any of these services or if you're ready to get started on your financial journey with us, give us a call at 315-477-2200 or visit our website at www.empowerfcu.com. We're excited to welcome you into the Empower family!

Mortgage Loans & Refinancing

If you're ready to invest in a home, our Mortgage Loans & Refinancing services provide everything you need to make informed decisions. We understand that purchasing a home is one of the biggest financial commitments you'll make, so we guide you through every step of the process. From first-time buyers to those looking to refinance their existing mortgage, our team is here to help you find the best rates and terms.

Personal Banking

When it comes to managing your day-to-day finances, our Personal Banking services are here for you. Whether you're looking to open a new checking or savings account, or simply want to explore options that can help you save more effectively, we have solutions that fit your lifestyle. Imagine having easy access to your funds through our convenient online and mobile banking features. You can check your balance, transfer money, and even deposit checks right from your phone!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation options are designed for those moments when you need extra support. Whether you're facing medical bills or planning a big purchase, we offer loans that help you manage costs without adding stress.

Digital & Online Banking

Key Features

Our online banking platform allows you to access essential features that make financial management simpler. Enjoy the benefits of e-statements, which provide an eco-friendly way to keep track of your transactions. You can say goodbye to paper clutter while staying organized and informed about your account activities. For those on the go, our mobile application makes banking a breeze. Whether you're looking to make mobile payments or handle person-to-person transfers, everything is just a tap away. Plus, with our electronic signature authorization, signing documents is quick and secure, saving you time and effort.

Security and Accessibility

We take your security seriously. Our digital banking services come equipped with robust security measures to keep your information safe while you manage your finances. You can feel confident knowing that your data is protected as you engage in real-time account management. Accessibility is at the heart of what we do. Whether you're using our website or mobile app, navigating through your account is user-friendly and straightforward. No more waiting in line or rushing before closing time your bank is always open when you need it. Experience the ease of managing your finances with Empower's digital and online banking solutions today! Visit us at https://www.empowerfcu.com/ to learn more and take advantage of these convenient services tailored for you.

Financial Strength

Growing Together

Total Share Accounts stand at an impressive 548,791, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $10,138,458, further demonstrating our capability 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 760 Harry L Dr Johnson City Ny 13790 or call (315) 477-2200 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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 with $31,778 in used auto loans and $2,971,322,037 in total loans and leases.

Member-Centric Savings

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 commitment to operational efficiency is evident in our $29,971,164, which enables 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.

Our Solid 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. This solid foundation is further highlighted by our net worth ratio of $971, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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

Additional Financing Options

For those looking for business financing, our outstanding commercial loans totaling $397,577,069 provide the capital needed to grow and expand your business operations. We are dedicated to supporting local entrepreneurs and businesses in achieving their goals. If you're considering refinancing options or want to learn about eligibility requirements for any of our loan products, don't hesitate to reach out. You can contact us at (315) 477-2200 or visit us at our branch located at 760 Harry L Dr Johnson City Ny 13790 in Johnson City, NY. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Empower, we're committed to helping you navigate your financial journey with ease and transparency.

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. We provide flexible terms and quick approvals so you can drive away with confidence.

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 offer competitive rates and personalized service to guide you through the entire process, ensuring you find the best fit for your financial situation.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be tricky. That's why 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. Enjoy rewards on your purchases and the peace of mind that comes with a manageable repayment plan.

Loan Aggregator

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

Join Us

Our Evolution

Our Mission

Visit Us

Branch Location & Accessibility

Accessibility Features

Contact Us

Operating Hours & Services

Member Eligibility

Business Banking & Commercial Services

Financing Your Growth

Merchant Services That Make Sense

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Auto Loans & Vehicle Financing

Business Banking

Credit Cards with Rewards

Drive-Thru Banking

Mortgage Loans & Refinancing

Personal Banking

Personal Loans & Debt Consolidation

Digital & Online Banking

Key Features

Security and Accessibility

Financial Strength

Growing Together

Investing in Your Future

Member-Centric Savings

Operational Efficiency

Our Solid Foundation

Loan Offering

Additional Financing Options

Auto Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Join Our Community