Empower Credit Union Syracuse NY | Low Mortgage Rates & Top Auto Loans

Introduction

Welcome to Empower, your trusted partner in financial services located at 3700 W Genesee St, Syracuse, NY 13219. Since our establishment in 1939, we have proudly served our community, helping over 277,000 members navigate their financial journeys. With total assets exceeding $3.75 billion, we're committed to providing the best banking experience tailored to your needs. At Empower, we understand the importance of reliable financial support. That's why we offer a range of services from personal and auto loans to business banking solutions ensuring that every member has access to the resources they need. Our total loans exceed 164,000, and we maintain robust deposits of $238,547,679, reflecting our dedication to responsible lending and growth. We are also proud to have a strong net worth of $365,681,043 and cash in hand amounting to $39,788,678, ensuring that we can meet our members' needs today and into the future. Our experienced team, led by CEO Ryan McIntyre and Board President Patrick Piscitelli, is here to provide personalized service with a smile. While you can visit us at our branch for all your banking needs, please direct any official correspondence to our mailing address: PO Box 11127, Syracuse, NY 13218-1127. Whether you're looking for competitive loan rates or expert advice on savings plans, we're here for you. Call us at 315-477-2200 or check out our website at empowerfcu.com to learn more about how we can help you achieve your financial goals. Join us today and experience the Empower difference!

Branch History & Mission

At Empower, we are proud to share our journey and mission that has been deeply rooted in the community of Syracuse, NY since 1939. Our branch, located at 3700 W Genesee St, Syracuse, NY 13219, has been a beacon of hope and support for local residents, providing financial services that empower individuals and families to achieve their dreams. From humble beginnings, Empower has grown significantly over the decades. What started as a small credit union has now blossomed into a vibrant financial institution with a total membership of 277,374 and total assets exceeding $3.75 billion. Each milestone reflects our commitment to serving our members with care and dedication. Our mission is clear: to provide accessible financial solutions while fostering community support. We believe in the power of people helping people. Through various programs and services ranging from personal banking options like checking and savings accounts to auto loans and mortgage financing we aim to enhance the financial well-being of our members. We also prioritize community outreach, forming partnerships that allow us to give back through charitable initiatives and educational workshops. In line with our mission, we have embraced modern technology while ensuring accessibility for all. Our branch offers digital banking features such as online banking and mobile payments, making it easy for members to manage their finances anytime, anywhere. We also maintain ADA compliance across our facilities to ensure everyone feels welcome. Additionally, we provide convenient services like ATM access and drive-thru banking to meet the needs of our busy members. With operating hours designed for your convenience Monday through Friday from 9:00 am to 5:00 pm and Saturdays from 9:00 am to 1:00 pm we strive to make banking as easy as possible. While you can visit us at 3700 W Genesee St, official correspondence should be directed to PO Box 11127, Syracuse, NY 13218-1127. For any inquiries or assistance, feel free to reach out at 315-477-2200. As we continue on this journey together, we invite you to join us at Empower Credit Union. Experience firsthand how we can help you thrive financially while being an integral part of your community. Together, let's create a brighter future!

Branch Location & Accessibility

Getting Here

Our branch is nestled near local landmarks such as the bustling Shoppingtown Mall and the scenic Onondaga Lake Park, making it a familiar stop for many in the area. With plenty of parking available right outside our doors, you'll find it easy to pop in for a quick transaction or a longer consultation. We take pride in offering an ADA-compliant facility with ramps and accessible entrances, ensuring everyone can enjoy our services comfortably.

Operating Hours

At Empower, we understand that life can get busy. That's why our lobby hours are designed to fit your schedule. We're open Monday through Friday from 9:00 am to 5:00 pm, and on Saturdays from 9:00 am to 1:00 pm. Need a quick banking solution? Our drive-thru service extends these hours, allowing you to access essential banking services even when you're on the go.

Reach Out

Have questions or need assistance? Don't hesitate to give us a call at 315-477-2200. Our dedicated team is ready to help you navigate your financial journey. We look forward to welcoming you at Empower!

Services Available

We're proud to offer a variety of financial services tailored to meet your needs. From personal checking and savings accounts to auto loans and mortgage options, we're here to support you every step of the way. Plus, with ATM availability right on-site and basic drive-thru banking for deposits and withdrawals, you can manage your finances with ease. While members can visit us at 3700 W Genesee St, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127 if needed.

Member Eligibility

At Empower, we believe that everyone deserves a chance to be part of a supportive financial community. Joining us is easy and welcoming! If you live, work, or worship in Onondaga County, or if you have an immediate family member who is already a member, you are eligible to join our family. This means you can take advantage of our range of services designed to help you achieve your financial goals. For those interested in more detailed eligibility criteria, feel free to visit our website at Empower Membership Benefits. Once you're ready to become a member, opening an account is just a few clicks away. You can start the process online by visiting our account opening page, or if you prefer a personal touch, give us a call at (315) 477-2200. Our friendly team is here to guide you every step of the way at our branch located at 3700 W Genesee St Syracuse Ny 13219. Join Empower today and experience the difference of being part of a community that truly cares!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer comprehensive merchant services designed to streamline your operations. From payment processing solutions that make transactions easy for your customers to tools that help you manage finances effectively, we're here to ensure that your business runs smoothly. Visit us at 3700 W Genesee St Syracuse Ny 13219 in Syracuse, NY, or call us at (315) 477-2200 to learn how our business banking services can elevate your enterprise today!

Outstanding Support for Growth

Our outstanding commercial loan portfolio stands at $397,577,069, reflecting our dedication to driving economic growth in the community. By financing both new and expanding businesses, we contribute to building a vibrant local economy.

Tailored Business Loans

Imagine having the financial backing to turn your ideas into reality. With our commitment to supporting businesses, we've funded over $384 in commercial loans for our members, helping them scale and succeed. For those outside our membership, we also provide flexible financing solutions with $0 in non-member commercial loans, ensuring that even more businesses can access the resources they need.

Comprehensive List Of Services

Accessible Banking Options

We also provide basic drive-thru banking for deposits, withdrawals, and simple transactions, making it easier than ever for members who prefer face-to-face interactions. Our ATMs allow for balance checks and withdrawals at your convenience. At Empower in Syracuse, NY, we strive to make financial management not just easy but also enjoyable for our members. With friendly staff ready to assist you at every turn and an array of services available both online and offline, we are committed to being your trusted partner in achieving financial success. If you're ready to take the next step toward better financial health or have questions about any of our services, feel free to reach out! Call us at 315-477-2200 or visit us during lobby hours: Monday through Friday from 9:00 am to 5:00 pm, and Saturday from 9:00 am to 1:00 pm. We look forward to serving you at Empower!

Business Banking Solutions

For local businesses, we provide comprehensive business banking services including merchant services and business loans. Whether you're opening a new venture or expanding an existing one, we're here to support your growth.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Empower, we offer robust online and mobile banking features. You can manage your accounts from anywhere with ease whether you're checking balances, making transfers, or paying bills. Enjoy quick access to cash with our ATM and cash withdrawal services, available whenever you need them.

Personal Banking Services

We offer a variety of personal banking services tailored for all stages of life. If you're just starting out, our checking and savings accounts make it easy to manage your money and reach your financial goals. Need a new car? Our auto loans and vehicle financing options help you drive away in your dream vehicle without breaking the bank. For those looking to buy a home or refinance, our mortgage loans come with competitive rates and friendly guidance every step of the way. If you're facing unexpected expenses, our personal loans and debt consolidation options are designed to give you the flexibility you need. Plus, don't forget about our credit cards with rewards, which allow you to earn points on everyday purchases great for shopping sprees or travel adventures!

Digital & Online Banking

Convenient Features for Everyday Needs

Need to send money quickly? Our person-to-person transfer feature makes it easy to send funds directly to friends and family without any hassle. And if you're out shopping, take advantage of our mobile payments feature that lets you make purchases straight from your device. At Empower, we prioritize security and accessibility in all our services. With our 24/7 online banking options, you have real-time control over your financial activities whenever it suits you best. Experience the ease of banking digitally with us today!

Online Banking Made Easy

With our online banking services, you can check your balance, pay bills, and transfer money with just a few clicks. Our user-friendly interface ensures that even those who aren't tech-savvy can navigate their accounts with confidence. Plus, with features like electronic signature authorization, signing documents has never been more convenient or secure.

Stay in Control

We also provide e-statements to help you keep track of your finances without the clutter of paper statements. This not only helps the environment but also gives you instant access to your account history whenever you need it. If you prefer using your smartphone, our mobile application is available for download, allowing you to manage your accounts right from your pocket.

Financial Strength

A Growing Member Base

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): $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 3700 W Genesee St Syracuse Ny 13219 or call (315) 477-2200 to learn more about how we can help you achieve your financial goals.

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.

Reinvestment in Member Services

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.

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 robust 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

Additional Financing Options

For those needing extra funds for personal projects or debt consolidation, we provide personal loans that can assist with various financial needs. Additionally, if you're a business owner seeking growth opportunities, our outstanding commercial loans totaling $397,577,069 provide the capital needed to expand your business operations. At Empower, we strive to ensure that all our members have access to the resources they need. For more information about eligibility requirements or how to apply for any of our loan products, feel free to contact us at (315) 477-2200. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today at 3700 W Genesee St Syracuse Ny 13219, located in Syracuse, NY, and let us help you navigate your financial journey!

Auto Loans

Looking to buy a new car? Our auto loans provide 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 make it easy for you to find the right financing options, whether it's for a brand-new model or a reliable used vehicle.

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 flexible terms to fit your budget. If you're considering refinancing your current mortgage, we also have options available that can help you save money over time.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $104,830,995 in loans helping members manage their finances effectively. With features like no annual fees and rewards programs, our credit cards are designed to fit your lifestyle.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Each lender listed has been vetted to provide trustworthy options. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Users can trust that the comparisons reflect actual market offerings rather than advertising influence. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, helping users make informed decisions quickly and easily. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective the tool can be in identifying cost-saving opportunities. If you're ready to take control of your borrowing 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.*

Empower

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Getting Here

Operating Hours

Reach Out

Services Available

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Work for You

Outstanding Support for Growth

Tailored Business Loans

Comprehensive List Of Services

Accessible Banking Options

Business Banking Solutions

Digital Banking Convenience

Personal Banking Services

Digital & Online Banking

Convenient Features for Everyday Needs

Online Banking Made Easy

Stay in Control

Financial Strength

A Growing Member Base

Operational Efficiency

Reinvestment in Member Services

Secure Savings Opportunities

Strong Financial Health

Loan Offering

Additional Financing Options

Auto Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Join Our Community