Empower Credit Union Liverpool NY | Quick Personal Loans & Business Banking

Introduction

Welcome to Empower, your trusted financial partner located at 7670 Morgan Rd, Liverpool, NY 13090. Established in 1939, we have proudly served our community for over eight decades, providing a range of banking services that cater to the needs of our 277,374 members. At Empower, we believe in putting our members first and fostering strong relationships through personalized service and exceptional financial products. With total assets exceeding $3.75 billion, we are committed to maintaining a solid financial foundation for our members. Our deposits total around $238.5 million, ensuring that your savings are secure with us. We also offer competitive loan options, having facilitated over 164,278 loans to help our members achieve their financial goals whether it's buying a new car or purchasing a home. Led by CEO Ryan McIntyre and Board President Patrick Piscitelli, Empower is not just about numbers; it's about people. Our dedicated team of 581 employees is here to assist you with everything from personal banking to business loans. We pride ourselves on being an active part of the Liverpool community, supporting local initiatives and helping our neighbors thrive. While you can visit us at our branch for all your banking needs, please direct official correspondence to our mailing address: PO Box 11127, Syracuse, NY 13218-1127. Whether you're looking for checking accounts, auto loans, or online banking options, we're here to help you every step of the way. Feel free to reach out at 315-477-2200 or explore more about what we offer on our website at Empower. Join us today and experience the difference that comes with being part of the Empower family!

Branch History & Mission

Welcome to Empower, where our rich legacy and commitment to the community have guided us since we opened our doors in 1939. Located at 7670 Morgan Rd in Liverpool, NY, Empower has grown from a small credit union into a trusted financial partner for over 277,000 members. With total assets exceeding $3.75 billion, we have built a strong foundation to serve our community's financial needs. From the beginning, our mission has been clear: to provide exceptional financial services while uplifting the communities we serve. We believe in empowering individuals and families by offering personalized banking solutions that range from checking and savings accounts to auto loans and mortgage financing. Our commitment goes beyond just transactions; we strive to enhance the quality of life for our members through various outreach programs and partnerships with local organizations. While members can visit us at our branch location, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127. This ensures all communications are handled promptly and effectively. Over the years, we've embraced digital advancements to make banking easier and more accessible for everyone. With options like online banking, mobile payments, and electronic signatures, we're here to meet your needs no matter where you are. Our facilities are ADA compliant, ensuring that everyone can access our services comfortably. Empower also prioritizes community support. Through various initiatives such as financial education workshops and sponsorship of local events, we work hard to give back to the Liverpool area. We understand that a thriving community contributes to the well-being of its members. For those who prefer face-to-face interactions, our drive-thru service makes banking convenient during busy days. Our lobby hours are Monday through Friday from 9:00 am to 5:00 pm and Saturday from 9:00 am to 1:00 pm. Plus, with ATM availability on-site, you can access your funds whenever you need them. Join us at Empower today! Experience how our dedication to service makes a difference in your financial journey. Visit us or check out our website at Empower for more information on membership benefits and how we can assist you with your financial goals. Together, let's build a brighter future!

Branch Location & Accessibility

Connect With Us

We invite you to come by and see how we can assist you in achieving your financial goals. If you have any questions or would like more information about our services, feel free to call us at 315-477-2200. We look forward to welcoming you into the Empower family!

Convenient Features

Parking at our branch is ample and convenient, with accessible spots available for those who need them. Our facility is designed with accessibility in mind, featuring ramps and other ADA-compliant features to ensure everyone can visit us comfortably.

Operating Hours

We understand that life can get busy, so we offer flexible operating hours to accommodate your schedule. You can visit us Monday through Friday from 9:00 am to 5:00 pm, and on Saturday from 9:00 am until 1:00 pm. If you're looking to use our drive-thru services, those are available Monday through Friday from 8:30 am to 5:30 pm and Saturday from 9:00 am to 1:00 pm as well.

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, mortgage financing, and credit cards with rewards, we've got you covered! Plus, our ATM is always ready for quick cash withdrawals or balance checks.

Member Eligibility

Becoming a member of Empower is like joining a close-knit family that values your needs and dreams. If you live, work, worship, or attend school in the area, or if you have a family member who is already a part of our community, you're eligible to join us! We believe that everyone deserves access to financial services that empower them, and as a member of Empower, you'll enjoy various benefits designed just for you, including personalized banking solutions and competitive rates. To learn more about the specific eligibility criteria, feel free to check out this resource: http://www.empowerfcu.com/about-us/membership-benefits. Joining is simple and welcoming! Just visit us at our branch located at 7670 Morgan Rd Liverpool Ny 13090, or give us a call at (315) 477-2200 if you have any questions. When you're ready to open an account, you can easily start the process online by following this link: https://my.empowerfcu.com/registration. We're excited to help you on your financial journey!

Business Banking & Commercial Services

Business 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. Imagine how these funds could transform your operations from upgrading technology to hiring more staff.

Merchant Services

In addition to loans, we provide essential merchant services that streamline transactions for businesses of all sizes. Whether you're a retailer or a service provider, our solutions make it easy to accept payments from your customers swiftly and securely. For example, consider a local coffee shop that uses our merchant services to process credit card payments quickly, ensuring customer satisfaction and efficient service during busy morning rush hours. With an outstanding commercial loan portfolio of $397,577,069, we continue to drive economic growth by financing new and expanding businesses right here in Liverpool, NY. Let us be your partner in success as you take your business to the next level!

Comprehensive List Of Services

ATM and Drive-Thru Services

For those who prefer in-person banking, we offer ATM & Cash Withdrawal Services, along with basic drive-thru banking for quick deposits and withdrawals. Need cash in a hurry? Our ATMs are always ready for quick balance checks and withdrawals. At Empower, we understand that every member's journey is unique. That's why we're here to provide guidance and support through our wide array of financial services tailored just for you. We invite you to visit us at Empower in Liverpool or give us a call at 315-477-2200 to learn more about how we can assist you in achieving your financial dreams! Whether you're ready to open an account or have questions about our services, we're here for you every step of the way.

Business Solutions

If you're running a small business, our Business Banking services are tailored for you. From Merchant Services that make transactions easier for your customers to Business Loans that fuel growth, we support local entrepreneurs every step of the way.

Credit Cards

Our Credit Cards with Rewards program is designed for those who want to get more from their spending. Whether you're planning a vacation or simply making everyday purchases, earn rewards points that can be redeemed for travel or gift cards.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our Online & Mobile Banking platforms let you manage your accounts anytime and anywhere. You can pay bills, transfer funds, and even deposit checks right from your smartphone!

Home Financing

For those ready to take the leap into homeownership or considering refinancing, our Mortgage Loans & Refinancing services provide comprehensive solutions. Picture finding your perfect home and knowing you have the best financing option available to help make it yours.

Personal Banking

For those just starting their financial journey or anyone looking to manage their money better, our Personal Banking options include checking and savings accounts tailored to help you reach your goals. Imagine having easy access to your funds while also earning interest our accounts do just that!

Personal Loans

Life can throw unexpected expenses your way. With our Personal Loans & Debt Consolidation services, you can simplify your finances by combining debt into one manageable payment. This way, you can focus on what matters most without the stress of multiple bills.

Vehicle Financing

When it comes time to buy a car, look no further than our Auto Loans & Vehicle Financing options. We understand that purchasing a vehicle is a significant investment. That's why we offer competitive rates and flexible terms to make driving your dream car a reality.

Digital & Online Banking

Key Features

Security is a top priority for us. Our electronic signature authorization feature allows you to sign documents securely from home, ensuring that your information is protected while streamlining processes. Additionally, opting for e-statements not only keeps your financial records organized but also helps protect the environment it's a win-win! Need to send money to a friend or family member? Our person-to-person transfer feature lets you send funds instantly with just a few taps on your phone. And if you're on the go, our mobile payments feature allows you to make purchases quickly and securely using your smartphone. We're committed to making banking as easy as possible for you. Whether you're checking balances late at night or setting up payments during your lunch break, Empower has the tools you need to manage your finances effectively and efficiently. Join us today in embracing the future of banking!

Financial Strength

A Dedicated Team

Our commitment extends beyond numbers; it's about people. 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 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 7670 Morgan Rd Liverpool Ny 13090 or call (315) 477-2200 to learn more about how we can help you achieve your financial goals.

Reinvesting 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 commitment to your financial well-being is evident in our operations; we reported a net income of $29,971,164, reflecting our operational efficiency.

Secure Savings Opportunities

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.

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.

Supporting Your Financial Goals

We're dedicated to supporting your financial goals with significant lending capacity: $31,778 in used auto loans and $2,971,322,037 in total loans and leases show that we have the resources to help you achieve your dreams. Additionally, our growing member base is illustrated by 548,791 total share accounts, which reflect the trust placed in us by our community.

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. We believe that driving your dream car should be affordable and accessible.

Business Financing

For business owners, our outstanding commercial loans totaling $397,577,069 provide the capital needed to grow and expand. We are here to support local businesses in achieving their objectives.

Credit Lines and Personal Loans

For those who need flexibility in managing expenses, we offer credit lines with a total amount of $669,427,963. Our unsecured credit card loans also help members manage their finances effectively, with a total of $104,830,995 in loans available.

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 provide clear terms and support to guide you through the process.

Refinancing Options

If you're looking to refinance any existing loans or explore eligibility options for our products, Empower is here to help! Our team is ready to assist you in finding the best solution for your financial 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. For more information or to discuss your loan options further, feel free to reach out at 315-477-2200. Your journey toward better financial health starts here at Empower!

Loan Aggregator

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Ensuring Accurate Loan Comparisons

LendMesh takes pride in its commitment to accuracy and transparency. 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 means that users can trust the offers presented to them are fair and reflect genuine market conditions.

Empower

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Connect With Us

Convenient Features

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

ATM and Drive-Thru Services

Business Solutions

Credit Cards

Digital Banking Convenience

Home Financing

Personal Banking

Personal Loans

Vehicle Financing

Digital & Online Banking

Key Features

Financial Strength

A Dedicated Team

Reinvesting in Your Future

Secure Savings Opportunities

Strong Financial Health

Supporting Your Financial Goals

Loan Offering

Auto Loans

Business Financing

Credit Lines and Personal Loans

Mortgage Loans

Refinancing Options

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Loan Comparisons

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