Empower Credit Union Oswego NY | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Empower, your trusted partner in financial wellness, located at 100 George St, Oswego, NY 13126. Since our establishment in 1939, we have been dedicated to serving our community with integrity and commitment. With a strong membership of over 277,000 individuals, we pride ourselves on being more than just a credit union; we're a part of your journey towards financial success. At Empower, we understand the importance of having reliable financial services tailored to your needs. Our total assets stand at an impressive $3.76 billion, reflecting our strength and stability in providing exceptional banking solutions. Whether you're looking for personal loans, auto financing, or business banking services, we've got you covered with over 164,000 loans and leases extended to our valued members. While members can visit us at our Oswego branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 11127, Syracuse, NY 13218-1127. Our leadership team is committed to fostering a community-focused environment. Under the guidance of CEO Ryan McIntyre and Board President Patrick Piscitelli, we strive to create meaningful relationships with each member who walks through our doors. With total deposits reaching $238.5 million and a net worth of $365.7 million, you can trust that your finances are in good hands. We also maintain a cash reserve of $39.8 million, ensuring that we are always ready to meet your banking needs. Join us at Empower today! Visit our website at www.empowerfcu.com or call us at 315-477-2200 for more information on how we can assist you in achieving your financial goals. Experience the difference of being part of a credit union that genuinely cares about its members and community!

Branch History & Mission

At Empower, we take pride in our rich history and unwavering commitment to the community. Established in 1939, our branch in Oswego, NY, has grown from its humble beginnings to become a trusted financial partner for over 277,000 members. Located at 100 George St, we are conveniently situated near local landmarks, making it easy for you to visit us. Our mission is simple yet profound: to empower our members by providing accessible financial services that promote growth and stability. We believe in supporting not just individual needs but also the broader community. This vision drives us to offer a range of services including checking and savings accounts, auto loans, mortgages, and personal loans all designed to help you achieve your financial goals. Over the years, Empower has achieved significant milestones. With total assets amounting to over $3.7 billion, we have consistently demonstrated our strength and reliability as a credit union. Our dedicated team works tirelessly to ensure that every member receives personalized service tailored to their unique circumstances. While members can visit us at 100 George St Oswego Ny 13126, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127. Our operating hours are set up for your convenience: lobby hours run Monday through Friday from 9:00 am to 5:00 pm, with Saturday hours from 9:00 am to 1:00 pm. Additionally, our drive-thru banking service is available during these times for quick transactions. In today's fast-paced world, we've embraced digital advancements to make banking easier for you. From mobile payments to online banking options, we ensure that managing your finances is straightforward and accessible whenever you need it. We prioritize ADA compliance so that all members can utilize our services without barriers. Community outreach is at the heart of what we do. We actively partner with local organizations and participate in various initiatives that uplift and support those around us. Whether through educational programs or financial literacy workshops, we strive to make a positive impact on our community. Join us at Empower and experience the benefits of being part of a supportive credit union that genuinely cares about your financial well-being. We invite you to become a member today and take part in this vibrant community where your success is our priority! For more information or to start your membership journey, please call us at (315) 477-2200 or visit our website at Empower.

Branch Location & Accessibility

Welcome to the Empower Credit Union branch located at 100 George St, Oswego, NY! We're excited to be part of this vibrant community, conveniently positioned near popular landmarks that make banking easy for our members. Whether you're heading to a local shop or just passing through, our branch is designed to provide you with accessible and friendly service. Our location offers ample parking and features that cater to everyone, including ADA-compliant access for those with mobility needs. You can easily navigate our space, making your visit as smooth as possible. At Empower, we understand that your time is valuable. That's why our lobby hours are set to accommodate your schedule: we're open from 9:00 AM to 5:00 PM on weekdays and 9:00 AM to 1:00 PM on Saturdays. If you prefer drive-thru banking, enjoy extended hours from 8:30 AM to 5:30 PM during the week and the same Saturday hours as the lobby. We also offer convenient ATM services for quick cash withdrawals and balance checks. Our goal is to make banking easier for you with a variety of services including checking and savings accounts, auto loans, personal loans, credit cards with rewards, and more all designed with your financial needs in mind. While members can visit us at 100 George St for all their banking needs, official correspondence should be directed to our mailing address at PO Box 11127, Syracuse, NY 13218-1127. If you have any questions or need assistance, feel free to call us at 315-477-2200. We look forward to welcoming you at Empower Credit Union in Oswego where your financial journey matters!

Member Eligibility

Welcome to the Empower family, where becoming a member means joining a community that genuinely cares about your financial well-being. At Empower, located at 100 George St Oswego Ny 13126, we believe that everyone deserves access to personal and supportive banking services. To become a member, you simply need to meet some basic eligibility criteria, which typically includes living, working, or worshipping in the areas we serve or having a family member who is already a member. It's really that straightforward! You can find more detailed information on our eligibility requirements by visiting http://www.empowerfcu.com/about-us/membership-benefits. Joining us is just the beginning of an exciting journey. As a member of Empower, you gain access to a variety of benefits designed to make managing your finances easier and more rewarding. From competitive loan rates to personalized service, we're here to help you achieve your financial goals. If you're ready to take the next step, opening an account is simple; just check out the details at https://my.empowerfcu.com/registration or give us a call at (315) 477-2200. We're excited to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to our loan offerings, we provide merchant services designed to simplify your payment processes. Imagine being able to accept payments quickly and securely, allowing you to focus on what matters most running your business. With our solutions, you can streamline transactions, enhance customer experiences, and keep your cash flow healthy. Whether you're looking for a loan or seeking efficient ways to manage payments, Empower is here to support you every step of the way. Reach out at 315-477-2200 or visit us today!

Supporting Your Growth with Commercial Loans

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

ATM & Cash Withdrawal Services

Need cash? Our branch offers ATM and cash withdrawal services, ensuring you have access to your funds when you need them most. With basic drive-thru banking available for deposits and withdrawals, we prioritize making transactions quick and hassle-free. At Empower in Oswego, NY, we're more than just a credit union; we're a partner in your financial journey. If you have any questions about our services or would like assistance with opening an account, please call us at 315-477-2200 or visit us today! Let's work together towards achieving your financial dreams!

Auto Loans & Vehicle Financing

If you're considering purchasing a vehicle, our auto loans and vehicle financing options make it easier than ever. We understand that buying a car is a significant investment, so we work with you to find competitive rates that fit your budget. With flexible terms and personalized support, getting behind the wheel has never been simpler.

Business Banking

Empower also supports local businesses through our business banking services, which include merchant services and business loans. We understand the unique challenges small businesses face, and we're committed to helping you thrive in today's competitive market.

Credit Cards with Rewards

For those who enjoy earning benefits from their spending, our credit cards with rewards offer great incentives for your everyday purchases. Enjoy cashback on eligible transactions and other rewards that can enhance your financial experience.

Mortgage Loans & Refinancing

Homeownership dreams can become a reality with our mortgage loans and refinancing services. Our knowledgeable team will guide you through the mortgage process, ensuring you find the right loan for your new home or help lower your current mortgage payments through refinancing.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. From transferring funds to checking balances, our digital tools make banking easy and efficient.

Personal Banking

We offer various personal banking services designed to help you achieve your financial goals. Our checking and savings accounts are perfect for everyday transactions and saving for the future. Whether you're looking to set up a new account or manage an existing one, our friendly staff is here to assist you every step of the way.

Personal Loans & Debt Consolidation

Life can bring unexpected expenses. That's where our personal loans and debt consolidation options come in handy. Whether you need funds for a major purchase or want to consolidate existing debt into one manageable payment, we are here to help you navigate your options.

Digital & Online Banking

Accessibility and Ease-of-Use

We believe that banking should fit into your lifestyle. That's why our online services are designed for easy navigation, ensuring you can find what you need quickly. Need to manage your accounts? No problem! Our real-time account management tools put the power in your hands. Whether you're looking to transfer funds between accounts or set up recurring payments, everything is straightforward and accessible. Plus, with our commitment to providing reliable support, assistance is always just a call away at (315) 477-2200. Experience the future of banking today with Empower. Visit us online at https://www.empowerfcu.com/ and take advantage of all the digital tools we offer!

Key Services

Explore our online banking features at https://www.empowerfcu.com/. You'll find everything from 24/7 access to your accounts to the ability to send money quickly through person-to-person transfers. Whether you're at home or on the go, our mobile application makes it simple to check balances, pay bills, and even make mobile payments with just a few taps on your phone. Security is a top priority for us. Our electronic signature authorization lets you sign documents safely online, eliminating the hassle of paperwork while keeping your information secure. Plus, with e-statements available, you can keep track of your transactions without the clutter of physical statements.

Financial Strength

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 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.

Reinvestment in 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 is robust; we have $31,778 in used auto loans and $2,971,322,037 in total loans and leases, supporting your financial goals across various sectors.

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.

Strong Community Trust

Total Share and Deposit Accounts stand at 548,791, showing a strong and growing member base that trusts us with their finances. Our commitment to maintaining net shares available for lending is evident with funds totaling $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 100 George St Oswego Ny 13126 or call (315) 477-2200 to learn more about how we can help you achieve your financial goals.

Loan Offering

At Empower, located at 100 George St, Oswego, NY 13126, we understand that life can bring unexpected expenses and opportunities. Whether you're looking to purchase a new car, buy your first home, or manage everyday finances, our diverse loan offerings are designed to meet your needs. With over 164278 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular. 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. For those considering homeownership, our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $486,276,719. We make buying or refinancing simple and accessible. Additionally, we cater to business owners with our outstanding commercial loans totaling $397,577,069, providing the capital needed for growth and expansion. If managing day-to-day finances is your focus, we also offer flexible terms on unsecured credit card loans. With a total of $104,830,995 in these loans available to help members manage their expenses effectively. We believe everyone deserves access to financial support that works for them. That's why we also provide refinancing options and eligibility assessments so you can find the loan that fits your circumstances best. For more information about our products or to discuss which option might be right for you, feel free to contact us at 315-477-2200. Our team is ready to assist you during lobby hours from Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore your options today and take a step towards achieving your financial aspirations with Empower!

Loan Aggregator

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Empower

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans