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

Introduction

Welcome to Empower, your trusted partner in financial success located at 1928 Genesee St, Utica, NY 13502. Since our establishment in 1939, we have proudly served our community with a commitment to providing exceptional banking services tailored to meet your needs. With a robust membership of 277,374 and total assets exceeding $3.75 billion, we are dedicated to helping you achieve your financial goals. At Empower, we understand the importance of reliable banking. That's why we offer a range of services, including personal banking, auto loans, mortgage financing, and business banking solutions. Whether you're looking to save for the future or finance your next vehicle, our team is here to support you every step of the way. You can trust that your finances are in good hands with our experienced leadership team. Under the guidance of CEO Ryan McIntyre and Board President Patrick Piscitelli, our staff of 581 employees is committed to delivering excellent service and fostering strong relationships within our community. 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 invite you to explore all that Empower has to offer by visiting our website at Empower or calling us at 315-477-2200. Join us today and experience the difference that comes with being part of a credit union that truly cares about its members!

Branch History & Mission

At Empower Credit Union, located at 1928 Genesee St, Utica, NY 13502, we proudly carry a legacy that dates back to our founding in 1939. Over the years, we have grown from a small community-focused organization into a thriving credit union with over 277,000 members and total assets exceeding $3.7 billion. Our history is rich with milestones that reflect our commitment to serving the financial needs of our community. From our humble beginnings, we've always prioritized the well-being of our members. Our mission is simple yet profound: to empower individuals and families by providing accessible financial services while fostering a spirit of community support. We believe that everyone deserves access to financial tools that help them thrive, whether it's through personal banking, auto loans, or business financing. Our branch serves not just as a place for transactions but as a hub for resources and guidance. We are proud to offer various services including checking and savings accounts, mortgages, personal loans, credit cards with rewards, and online banking options. With convenient drive-thru services and ATM availability, we strive to make banking easy and accessible for everyone. While members can visit us at our Utica location, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127. This helps ensure that your communications reach us promptly. Throughout our journey, we've embraced digital advancements that enhance member experience while ensuring ADA compliance for all. Our mobile app allows members to bank on-the-go and manage their finances from anywhere. Additionally, we actively engage in community outreach initiatives aimed at supporting local programs and partnerships that uplift our neighborhoods. As we continue to grow and adapt to meet the needs of our members, we invite you to join us at Empower Credit Union. Experience firsthand the benefits of being part of a cooperative that genuinely cares about its members' success. Together, let's build a brighter financial future! For more information or to become a member today, visit us at Empower Credit Union or call us at 315-477-2200.

Branch Location & Accessibility

Operating Hours

We understand that your time is valuable. That's why our lobby hours are set from Monday through Friday, 9:00 am to 5:00 pm. If you're looking for a bit more flexibility, our drive-thru service is open earlier, from 8:30 am to 5:30 pm on weekdays. Please note that we're closed on Saturdays.

Services Offered

Empower Credit Union offers a range of services designed to meet your financial needs from checking and savings accounts to auto loans and mortgage refinancing. Our friendly staff is always ready to assist you with transactions at the drive-thru or via our convenient ATM services available on-site. If you have questions or need assistance, don't hesitate to give us a call at 315-477-2200. We look forward to welcoming you into our branch! While members can visit us at 1928 Genesee St for all their banking needs, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127. Come see how Empower Credit Union can support your financial journey today!

Member Eligibility

At Empower, we believe that joining our community is a wonderful step toward achieving your financial goals. Becoming a member of our branch at 1928 Genesee St Utica Ny 13502 is simple and welcoming. If you live, work, worship, or attend school in Oneida County, or if you have family members who are already part of the Empower family, you're likely eligible to join us! This means you can enjoy all the benefits we offer, from competitive loan rates to personalized service that truly understands your needs. To find out more about the specific eligibility criteria, feel free to visit our website at http://www.empowerfcu.com/about-us/membership-benefits. Getting started with us is easy! You can open an account online by visiting https://my.empowerfcu.com/registration, or simply give us a call at (315) 477-2200 if you have any questions. We're here to help you every step of the way as you embark on this exciting journey with Empower. Welcome aboard!

Business Banking & Commercial Services

Financing Options That Fuel 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.

Practical Merchant Services

In addition to loans, we offer merchant services that simplify payment processing. Imagine running your shop and easily accepting payments from customers whether they're using cash or card without any hassle. Our services help streamline operations so you can focus on what matters most: growing your business. Visit us at 1928 Genesee St, Utica, NY 13502 or call us at 315-477-2200 to learn how Empower can help elevate your business today!

Comprehensive List Of Services

Accessibility Options

We know that sometimes you want personal interaction when handling your finances. That's why we offer basic drive-thru banking for deposits and withdrawals as well as ATM services for quick cash access without stepping inside the branch. If you have questions or need assistance with any of our services, don't hesitate to reach out! You can call us at 315-477-2200 during lobby hours: Monday through Friday from 9:00 am to 5:00 pm (Drive-thru hours are 8:30 am - 5:30 pm). At Empower, we are committed to being more than just a credit union; we strive to be your partner in financial success. Discover how we can help by visiting us today!

Business Banking Services

For entrepreneurs and small business owners, our business banking services include merchant services and business loans tailored specifically for your unique needs. Whether you're starting a new venture or expanding an existing one, we are here to support your growth every step of the way.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Empower, we have invested in robust online and mobile banking solutions. With features like mobile payments, e-statements, and person-to-person transfers, managing your finances has never been easier or more accessible. You can check balances, pay bills, and transfer funds anytime from anywhere all from the comfort of your phone or computer.

Mortgage and Home Financing

Looking to buy a home? We provide comprehensive mortgage loans and refinancing options that empower you to take that step toward homeownership. Our team is here to guide you through each stage of the mortgage process, ensuring you understand your choices fully.

Personal Banking Solutions

For individuals looking to manage their finances effectively, we provide personal banking services that include checking and savings accounts tailored to fit different lifestyles. Imagine having the ability to save for that dream vacation while also maintaining easy access to funds for daily expenses. Our auto loans and vehicle financing options help you secure the perfect car without breaking the bank. Whether you're purchasing a new car or refinancing an existing loan, we aim to make the process simple and transparent. If you find yourself in need of extra cash for unexpected expenses, our personal loans are designed with you in mind. We also offer debt consolidation solutions that can help streamline your payments into one manageable monthly amount, making budgeting much easier. Plus, with our credit cards featuring rewards, you can earn benefits on purchases you're already making.

Digital & Online Banking

Easy Account Management

Keeping track of your finances is simple with features like electronic statements and mobile payments. Enjoy the peace of mind that comes with receiving e-statements directly in your inbox no more paper clutter! Plus, if you're on the move, our mobile payments feature allows you to make quick purchases without needing cash or cards.

Explore Our Online Services

Visit us at https://www.empowerfcu.com/ to access our comprehensive online banking platform. Here, you can check your account balances, transfer funds, and pay bills all from the comfort of your own home or while out running errands. With our 24/7 online banking services, you have the flexibility to bank whenever it suits you.

Secure Transactions

Security is a top priority at Empower. We utilize electronic signature authorization for safe transactions, ensuring that your information remains protected while you enjoy the ease of digital banking. In short, whether you're looking for convenient payment options or real-time account management, Empower has got you covered. Discover how easy banking can be by exploring our digital services today!

Stay Connected Anytime

Download our mobile application for even more control over your banking needs. With just a few taps on your smartphone, you can manage your accounts and perform transactions quickly. Need to send money to a friend? Use our person-to-person transfers for an easy way to split bills or share expenses.

Financial Strength

Commitment to Growth

Our commitment to growth is reflected in our $317,235,978 in undivided earnings, which we reinvest into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $31,778 in used auto loans and $2,971,322,037 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

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.

Secure Savings Options

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.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $10,138,458. Total Share and Deposit Accounts: 548,791, showing a strong and growing member base that trusts us with their finances. 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 1928 Genesee St Utica Ny 13502 or call (315) 477-2200 to learn more about how we can help you achieve your financial goals. 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

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 make it simple to apply and get approved quickly so you can drive away in your new vehicle sooner rather than later.

Credit Lines

For those who need flexibility with their finances, we provide credit lines totaling $669,427,963. These are ideal for unexpected expenses or larger purchases where you might not want to use savings right away. If you're considering refinancing any of these options or have questions about eligibility requirements, please don't hesitate to ask! We are committed to providing clear guidance throughout your borrowing experience. All performance insights and financial data mentioned above are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Empower, we believe in making financing straightforward and accessible for everyone. Whether you're just starting out or looking to expand your financial portfolio, we're here to help you navigate your options effectively. Visit us today!

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 purchasing your first home or looking to refinance an existing mortgage for better terms, our team is ready to assist you through the process.

Unsecured Credit Cards

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, our credit cards come with rewards and benefits that can help you save money while building your credit history.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the reliability and effectiveness of LendMesh as a tool for navigating the often complex world of loans. 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.*

How LendMesh Ensures Accurate Loan Comparisons

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 rigorous sourcing guarantees that all loan offers are fair and transparent. Users can trust that they are viewing reliable data without hidden agendas or inflated figures.

Empower

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Financing Options That Fuel Growth

Practical Merchant Services

Comprehensive List Of Services

Accessibility Options

Business Banking Services

Digital Banking Convenience

Mortgage and Home Financing

Personal Banking Solutions

Digital & Online Banking

Easy Account Management

Explore Our Online Services

Secure Transactions

Stay Connected Anytime

Financial Strength

Commitment to Growth

Operational Efficiency

Secure Savings Options

Strong Financial Health

Trustworthy Partnership

Loan Offering

Auto Loans

Credit Lines

Mortgage Loans

Unsecured Credit Cards

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Loan Comparisons

Join Our Community