Empower Credit Union Syracuse NY | Quick Personal Loans & Checking Accounts

Introduction

Welcome to Empower, your trusted financial partner located at 4729 Onondaga Blvd, Syracuse, NY 13219. Established in 1939, we have proudly served our community for decades, growing to a vibrant membership of 277,374 individuals who rely on us for their banking needs. Our commitment to providing exceptional service is reflected in our impressive total assets of $3,759,853,763 and total deposits reaching $238,547,679. At Empower, we believe that every member deserves access to reliable financial products and services. With a dedicated team of 581 employees, led by our CEO Ryan McIntyre and Board President Patrick Piscitelli, we strive to create a welcoming environment where you can feel confident managing your finances. Whether you're looking for personal banking solutions like checking accounts or auto loans, or business banking services including merchant accounts and business loans, we've got you covered. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 11127, Syracuse, NY 13218-1127. We are here to assist you during our lobby hours from Monday to Friday from 9:00 AM to 5:00 PM and through our drive-thru from 8:30 AM to 5:30 PM. We invite you to explore all that Empower has to offer by visiting our website at empowerfcu.com. Discover the difference of being part of a credit union that truly values its members. Have questions? Feel free to give us a call at 315-477-2200 we're here to help!

Branch History & Mission

Commitment to Accessibility

In line with our commitment to serve all members effectively, we are proud to offer ADA-compliant facilities and digital advancements such as online banking and mobile payments. These initiatives are designed with you in mind making banking easier and more accessible than ever before. As we look ahead, Empower remains dedicated to enhancing the lives of those in Syracuse and beyond. We invite you to join us on this journey of growth and opportunity. Experience firsthand how being part of Empower can make a difference in your life because together, we can achieve more! To learn more about membership benefits or open an account today, visit us at Empower. For any inquiries or assistance, feel free to call us at 315-477-2200.

Evolution and Community Impact

Since its inception, Empower has focused on meeting the needs of its members with integrity and dedication. The journey began with a simple mission: to provide accessible financial services that foster individual growth and community development. As we expanded our services over the years now offering everything from personal banking and auto loans to business financing we have remained committed to our core values: honesty, respect, and collaboration. Our branch plays an essential role in the Syracuse community by engaging in various outreach efforts, including partnerships with local schools and organizations aimed at promoting financial literacy. We believe that by empowering individuals with knowledge and resources, we can help them achieve their financial goals while strengthening the fabric of our community.

Mission Statement

At Empower, our mission is clear: we strive to provide innovative financial solutions tailored to the needs of our members while fostering a strong sense of community. We aim to ensure that every member feels valued and supported on their financial journey. Whether you're looking to open a checking account, secure an auto loan, or invest in your future through savings programs, we're here to guide you every step of the way. For official correspondence, please send your mail to PO Box 11127, Syracuse, NY 13218-1127. We offer convenient operating hours from Monday to Friday, allowing you to visit us during the day or use our drive-thru service for quick transactions.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can access our services comfortably. You'll find ample parking available, so you can park close to the entrance without hassle.

Convenient Operating Hours

Our lobby hours are designed to fit your schedule. We're open Monday through Friday from 9:00 am to 5:00 pm, making it easy for you to visit us after work or during your lunch break. If you prefer the drive-thru option, we're ready to serve you from 8:30 am until 5:30 pm on weekdays as well. Unfortunately, we are closed on Saturdays.

Get in Touch

Have questions or want more information? Feel free to give us a call at (315) 477-2200. Our friendly staff is here to assist you with any inquiries you may have about our services or membership benefits. We look forward to welcoming you to Empower!

Services Available

At Empower, we offer a variety of services tailored to meet your needs. Whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, we've got you covered. Our drive-thru service allows for simple transactions like deposits and withdrawals without leaving your vehicle perfect for those busy days! Additionally, if you need cash quickly, rest assured that ATM availability is right at your fingertips.

Member Eligibility

At Empower, we believe that everyone deserves to be part of a supportive community where they can thrive financially. Joining us as a member is easy and open to a wide range of individuals. If you live, work, worship, or attend school in our service area, you're already on the path to membership! We welcome you to explore the many benefits that come with being part of Empower, including personalized banking services, competitive loan rates, and access to exclusive financial education resources. To get all the details about who can join and the specific eligibility requirements, feel free to visit our website at this link. When you're ready to take the next step toward becoming a member, opening an account is a breeze. Just head over to our account opening page and follow the simple instructions. If you have any questions along the way or need assistance, don't hesitate to give us a call at (315) 477-2200. We're here for you at our branch located at 4729 Onondaga Blvd Syracuse Ny 13219 in Syracuse, NY. Join us today and start enjoying the advantages of membership with Empower!

Business Banking & Commercial Services

Member 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. These loans can be used for various purposes, from purchasing equipment to expanding your operations.

Merchant Services

In addition to loans, our merchant services make it easier for you to handle transactions efficiently. Imagine having the ability to accept payments seamlessly at your store or online. With our reliable payment processing solutions, you can focus on what matters most growing your business. Visit us at 4729 Onondaga Blvd Syracuse Ny 13219 in Syracuse, NY or call us at (315) 477-2200 to learn more about how Empower can help you achieve your business goals!

Non-Member Support

While we prioritize our members, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions for those looking to partner with us.

Outstanding Portfolio

With an outstanding commercial loan portfolio of $397,577,069, we continue to drive economic growth by financing new and expanding businesses. This means more opportunities for you to take your venture further.

Comprehensive List Of Services

Accessing Our Services

Our physical branch offers basic drive-thru banking for quick deposits and withdrawals, along with basic ATM access for balance checks and cash withdrawals. Whether visiting us in person or managing your finances online, we strive to make your experience as smooth as possible. If you have any questions or need assistance exploring these services further, feel free to reach out at 315-477-2200. We invite you to visit us at Empower where we prioritize community-focused banking solutions tailored just for you! Ready to take the next step? Explore more about our membership benefits here or open an account today here. Join us in building a brighter financial future!

Business Services

If you're a business owner, Empower has you covered with our comprehensive Business Banking services. From Merchant Services that simplify payment processing to tailored Business Loans, we support local entrepreneurs in achieving their goals.

Digital Banking Convenience

Understanding that convenience is key in today's fast-paced world, we provide robust Online & Mobile Banking features. Access your accounts anytime from anywhere, pay bills effortlessly, transfer funds instantly through our person-to-person service, and enjoy mobile payments that make transactions simpler than ever. Plus, our ATM services ensure you can withdraw cash when needed without hassle.

Loans and Financing

For those looking to make significant purchases or consolidate debt, our Auto Loans & Vehicle Financing provide competitive rates and flexible terms. If you're thinking about buying a home or refinancing your current mortgage, our dedicated team is here to guide you through the process with our Mortgage Loans & Refinancing options. We also offer Personal Loans & Debt Consolidation, which can help streamline your payments and reduce financial stress.

Personal Banking

Navigating personal finances can be overwhelming, but with our Personal Banking options, you can find the right solutions tailored just for you. We offer checking and savings accounts that fit your lifestyle, making it easy to keep track of your money while earning interest on your savings. Our Credit Cards with Rewards allow you to earn points on everyday purchases, helping you save on future expenses.

Digital & Online Banking

Accessibility and Ease-of-Use

No matter where life takes you, you'll have real-time access to your accounts with Empower's digital banking services. If you ever need assistance or have questions about our features, our friendly team is just a phone call away at (315) 477-2200. Join us in embracing the future of banking with confidence. Explore all the digital solutions available at Empower today!

Key Features

With 24/7 online banking services, you can check your balance, transfer funds, and pay bills anytime you need to. Our user-friendly mobile application allows you to manage your accounts directly from your smartphone, making it simple to stay on top of your finances wherever you are. Whether you're making person-to-person transfers or using mobile payments to complete purchases, we've got you covered. Security is paramount in everything we do. We offer electronic signature authorization for transactions, ensuring that your sensitive information remains protected. Plus, our e-statements give you easy access to your account statements while helping the environment by reducing paper waste.

Financial Strength

Growing Membership Trust

Total Share 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 underscoring our ability to meet your needs effectively. 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 4729 Onondaga Blvd Syracuse Ny 13219 or call (315) 477-2200 to learn more about how we can help you achieve your financial goals.

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 $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 for Improvement

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 $31,778 in used auto loans and $2,971,322,037 in total loans and leases showcase our commitment to supporting your financial goals across various sectors.

Strong Financial Position

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. We also provide options for refinancing your current auto loan to potentially lower your payments or shorten your loan term.

Credit Lines

If you need ongoing access to funds for various expenses or projects, our credit lines are an ideal choice. With total credit lines amounting to $669,427,963, you can have peace of mind knowing you have resources available when needed. For business owners interested in growth opportunities, our outstanding commercial loans totaling $397,577,069 provide the capital needed to expand and thrive. At Empower, we pride ourselves on making financial solutions accessible and straightforward. To learn more about eligibility requirements and how we can assist you in achieving your financial objectives, visit our website or contact us directly. Please note that 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. We look forward to helping you navigate your financial journey!

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. Whether you're a first-time homebuyer or looking to refinance your existing mortgage for better terms, our team is ready to assist you in finding the right solution.

Unsecured Credit Card Loans

Managing finances can be tricky sometimes. 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. This option provides an excellent way to handle unexpected expenses without the burden of collateral.

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

Commitment to Accessibility

Evolution and Community Impact

Mission Statement

Branch Location & Accessibility

Accessibility Features

Convenient Operating Hours

Get in Touch

Services Available

Member Eligibility

Business Banking & Commercial Services

Member Commercial Loans

Merchant Services

Non-Member Support

Outstanding Portfolio

Comprehensive List Of Services

Accessing Our Services

Business Services

Digital Banking Convenience

Loans and Financing

Personal Banking

Digital & Online Banking

Accessibility and Ease-of-Use

Key Features

Financial Strength

Growing Membership Trust

Member-Centric Savings

Operational Efficiency

Reinvestment for Improvement

Strong Financial Position

Loan Offering

Auto Loans

Credit Lines

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

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