Empower Credit Union Vestal NY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Empower, your trusted financial partner located at 3701 Vestal Pkwy E, Vestal, NY 13850. Since our establishment in 1939, we have been dedicated to serving our community with integrity and commitment. With over 277,000 members and total assets exceeding $3.75 billion, we pride ourselves on providing personalized banking solutions tailored to meet your needs. At Empower, we understand that managing finances can be overwhelming. That's why our friendly team is here to guide you every step of the way, whether you're looking for checking and savings accounts, auto loans, mortgages, or business banking services. We've funded 164,278 loans and have total deposits reaching $238,547,679, showcasing our commitment to helping you achieve your financial goals. While members can visit us at our branch for all their banking needs, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127. Our experienced CEO, Ryan McIntyre, along with Board President Patrick Piscitelli, leads a dedicated staff of 581 employees, ensuring that you receive exceptional service at every interaction. With features like online banking and mobile payment options, managing your finances has never been easier. Whether you're a first-time member or have been with us for years, our goal is to make banking simple and accessible for everyone. We invite you to explore what Empower has to offer. Feel free to reach out by calling us at 315-477-2200 or visiting our website at EmpowerFCU.com for more information on how we can help you thrive financially. Join us today and experience the Empower difference!

Branch History & Mission

At Empower, we take pride in our rich history and commitment to serving the community in Vestal, NY. Since our opening in 1939, we have grown from a small credit union into a trusted financial institution that now supports over 277,000 members. Our branch is located at 3701 Vestal Pkwy E, conveniently situated near local landmarks that make it accessible for everyone in the area. Over the decades, Empower has evolved to meet the changing needs of our members. We have built a strong foundation by offering diverse financial services including personal banking, auto loans, mortgages, and business banking solutions. With total assets now exceeding $3.7 billion, we are proud to be a stable resource for our members' financial well-being. Our mission goes beyond just providing financial products; it's about making a positive impact in our community. We strive to support local initiatives and promote financial literacy among all age groups. Our dedicated team is here to ensure that every member feels valued and supported on their financial journey. While members can visit us at 3701 Vestal Pkwy E Vestal Ny 13850, official correspondence should be sent to PO Box 11127, Syracuse, NY 13218-1127 if needed. We understand that convenience is key; that's why we offer ATM access and drive-thru services for quick transactions. Our operating hours are designed with your schedule in mind: Monday through Friday from 9:00 AM to 5:00 PM for lobby services and from 8:30 AM to 5:30 PM for drive-thru banking. At Empower, we embrace digital advancements as part of our commitment to serve you better. With online banking, mobile payments, and electronic statements available, managing your finances has never been easier or more secure. We invite you to join the Empower family today! Experience firsthand how we can help you achieve your financial goals while being an active participant in the growth of our community. Whether you're looking for personal banking solutions or business support, Empower is here for you every step of the way.

Branch Location & Accessibility

Connect With Us

If you have questions or need assistance before visiting, feel free to call us at 315-477-2200. Our friendly staff is always ready to help! While members can visit us at our main branch address in Vestal, official correspondence should be sent to PO Box 11127 in Syracuse if needed. Come by and see how Empower Credit Union can make banking easier for you today!

Getting Here and Parking

Finding us is simple! Our location offers ample parking space, ensuring you can park easily without any hassle. We also prioritize accessibility for all our members. The branch is ADA compliant, featuring ramps and accessible entrances so everyone can visit us comfortably.

Operating Hours

We understand that your time is valuable. That's why we're open Monday through Friday from 9:00 AM to 5:00 PM. If you're looking to utilize our drive-thru services, we're ready for you even earlier from 8:30 AM to 5:30 PM on weekdays. Unfortunately, we are closed on Saturdays, but we invite you to visit during our regular hours for all your banking needs.

Services We Offer

At Empower Credit Union, we provide a range of personal banking services designed to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, our team is here to help you navigate your financial journey. Need quick access to cash? We have ATM services available for easy withdrawals and balance checks right at the branch.

Member Eligibility

Becoming a member of Empower is like joining a family that's dedicated to supporting you in achieving your financial goals. If you're wondering whether you qualify, it's quite simple! Anyone who lives, works, or attends school in the area around our branch at 3701 Vestal Pkwy E Vestal Ny 13850 can join us. You're not just opening an account; you're stepping into a community where your needs are prioritized and your voice matters. For those looking to dive deeper into the specifics of eligibility, we invite you to check out our detailed guidelines at http://www.empowerfcu.com/about-us/membership-benefits. Getting started is easy! You can open an account online by visiting https://my.empowerfcu.com/registration, or feel free to call us at (315) 477-2200 if you have any questions or need assistance. We're here to help every step of the way as you take this exciting step toward better financial health with Empower.

Business Banking & Commercial Services

Merchant Services That Matter

We also provide essential merchant services that simplify payment processing for your business. Imagine being able to accept payments easily and efficiently, allowing you to focus on what you do best running your business. Whether it's a small retail shop or a service-based company, our solutions adapt to your needs. Visit us at 3701 Vestal Pkwy E, Vestal, NY 13850, or call us at 315-477-2200 to discover how our business banking and commercial services can help your enterprise thrive!

Tailored Loan Solutions

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

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options come with competitive rates to help you hit the road sooner. We work with you to find a plan that fits your budget, whether you're buying new or used.

Business Banking

If you're a small business owner, our business banking services are here to support you. With merchant services and business loans available, we provide the tools necessary for growth and success in today's market.

Convenient Access

We know convenience matters. That's why we offer ATM access for quick withdrawals and balance checks, along with basic drive-thru banking for deposits and withdrawals without leaving your car. Whether you're visiting us in person during lobby hours or accessing services online from the comfort of home, Empower is dedicated to making banking as straightforward as possible. If you have any questions about our services or need assistance, don't hesitate to reach out! Call us at 315-477-2200 or visit our website at Empower. We're here to help you achieve all your financial goals!

Credit Cards with Rewards

Enjoy shopping? Our credit cards come with rewards that give back every time you use them. From cashback offers to travel points, you'll earn benefits on everyday purchases while managing your spending effectively.

Mortgage Loans & Refinancing

For those ready to buy a home or refinance an existing mortgage, our mortgage loans are designed with your future in mind. We guide you through each step of the process, ensuring you understand your options and can make informed decisions that align with your goals.

Personal Banking

We understand that managing finances can be overwhelming. That's why our personal banking services include checking and savings accounts that are easy to navigate. You can enjoy the convenience of online and mobile banking from anywhere, making it simple to check balances, pay bills, or transfer funds with just a few taps on your smartphone.

Personal Loans & Debt Consolidation

Need extra cash for unexpected expenses? Our personal loans can help cover emergencies or assist with debt consolidation. We aim to ease your financial burden by offering flexible terms that fit your lifestyle.

Digital & Online Banking

Accessibility and Ease of Use

At Empower, we prioritize accessibility and ease-of-use in every service we offer. Whether you're tech-savvy or new to online banking, our user-friendly interface will guide you through each step effortlessly. You'll appreciate the real-time account management features that keep you informed about your financial status at all times. Embrace the convenience of digital banking with us at Empower where managing your money is as simple as it should be!

Key Features

Our commitment to security means you can bank with confidence. We offer electronic signature authorization, allowing you to sign documents securely online without needing to visit a branch. Plus, with e-statements available, you can easily keep track of your transactions without the clutter of paper statements. For those who prefer banking on their mobile devices, our mobile application makes it simple to handle your banking needs right from your smartphone. You can make mobile payments quickly and safely, ensuring that paying for purchases is as easy as tapping a button. Additionally, our person-to-person transfer feature allows you to send money directly to friends or family without hassle.

Financial Strength

A Strong Financial Foundation

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. This is further backed by our net worth ratio of $971, demonstrating a solid capital foundation that ensures we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Excellence

Our operational efficiency is reflected in our $29,971,164, 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 dedicated to providing excellent service.

Growing Together

With net shares available for lending and investments totaling $10,138,458 and a robust member base represented by 548,791 accounts, it's clear that our community 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 3701 Vestal Pkwy E Vestal Ny 13850 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.

Reinvestment for Better 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 your financial goals across various sectors with $31,778 in used auto loans and $2,971,322,037 in total loans and leases.

Loan Offering

Additional Information

If you're considering refinancing or want more information about eligibility options for any of our loan products, please don't hesitate to reach out. You can contact us at 315-477-2200, or visit us at 3701 Vestal Pkwy E Vestal NY 13850. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial objectives!

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, our flexible terms make it easy for you to drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $397,577,069 provide the capital needed to grow and expand. We understand the challenges businesses face and are here to support your financial needs with customized lending solutions.

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 tailored solutions that fit your unique situation and help you navigate the path to owning your dream home.

Unsecured Credit Card Loans

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. These cards come with competitive interest rates and rewards that can be beneficial for daily expenses or larger purchases.

Loan Aggregator

Benefits of Using LendMesh

LendMesh stands out for several key reasons: - Verified Data: Loan offers come from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions. The focus is solely on providing unbiased results. - Real-Time Rate Comparisons: You can access up-to-date loan rates from multiple institutions, enabling you to make well-informed choices. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the real value that LendMesh provides to its users. Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh. *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 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 commitment to transparency guarantees that users receive fair and trustworthy offers. By relying on verified financial institutions, LendMesh fosters a level of confidence that is essential in today's lending landscape.

Empower

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Connect With Us

Getting Here and Parking

Operating Hours

Services We Offer

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Matter

Tailored Loan Solutions

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Business Banking

Convenient Access

Credit Cards with Rewards

Mortgage Loans & Refinancing

Personal Banking

Personal Loans & Debt Consolidation

Digital & Online Banking

Accessibility and Ease of Use

Key Features

Financial Strength

A Strong Financial Foundation

Commitment to Excellence

Growing Together

Member-Centric Savings

Reinvestment for Better Services

Loan Offering

Additional Information

Auto Loans

Business Financing

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Comparisons

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