Empire One Federal Credit Union

Headquarters

3020 Orchard Park Rd
West Seneca, NY 14224
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 5.55% →
1-Year CD 0.35% 5.41% →
2-Year CD 0.45% 5.00% →
5-Year CD 0.75% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Empire One is an NCUA insured institution located in West Seneca, NY. It was founded in 1935 and has approximately $79.38 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 613
Date Established 1935
Assets $79.38 million
Loans $33.27 million
Deposits $71.10 million
Capital $8.32 million
 

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer, or attend school in Erie County and to immediate family.

Deposit Rates - April 18, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
0.35% $10,000 $14,999 Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
24 Mo CD
0.45% $10,000 $14,999 Learn More
24 Mo CD
0.45% $100,000 $199,999 Learn More
36 Mo CD
0.55% $10,000 $14,999 Learn More
36 Mo CD
0.55% $100,000 $199,999 Learn More
48 Mo CD
0.55% $10,000 $14,999 Learn More
48 Mo CD
0.55% $100,000 $199,999 Learn More
60 Mo CD
0.75% $10,000 $14,999 Learn More
60 Mo CD
0.75% $100,000 $199,999 Learn More

Loan Rates - April 18, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Empire One

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
PenFed Credit Union
NMLS ID: 401822
6.806% 6.625% 0.88 $6,000 $2,049 Learn More
Rocket Mortgage
NMLS ID: 3030
7.451% 7.375% 0.75 $2,400 $2,211 Learn More
Veterans United Home Loans
NMLS ID: 1907
Learn More
FHAloans.com
NMLS ID: Not a Lender
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to Empire One
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Empire One branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Empire One Locations



Climate Policy and Initiatives

EMPIRE ONE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Empire One Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Empire One. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Empire One U.S. Average
1.35% 6.97

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2023, Empire One had $114,910 in non-current loans and $0 in owned assets. To cover these potential losses it had $8,319,709 in net worth and $177,459 in loans loss reserves. That gives it a Texas Ratio of 1.35%.

Net Worth
Empire One U.S. Average
10.48% 13.62%

Empire One FCU has a net worth of 10.48% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Empire One

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