Empire One Federal Credit Union


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

Notable Rates APY Vs.Others
Savings 0.15% 0.85% →
1-Year CD 0.35% 0.75% →
2-Year CD 0.45% 0.80% →
5-Year CD 0.75% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 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 $86.46 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 613
Date Established 1935
Assets $86.46 million
Loans $30.85 million
Deposits $76.76 million
Capital $8.94 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 - October 22, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
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 - October 22, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.948% 2.875% 1.00 $2,362 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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



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:

Empire One Locations

Climate 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.

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
0.00% 3.79

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 June 30, 2021, Empire One had $406 in non-current loans and $0 in owned assets. To cover these potential losses it had $8,943,944 in net worth and $180,700 in loans loss reserves. That gives it a Texas Ratio of 0.00%.

Net Worth
Empire One U.S. Average
10.34% 12.22%

Empire One FCU has a net worth of 10.34% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Empire One

Branches and Savings

What is Empire One?

A federal credit union, registered with the NCUA under certificate #613.
Learn more about credit unions here.

Is Empire One FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Empire One is insured by the NCUA.

Who can join Empire One?

Please see Field of Membership information above for information on who is eligible to join.

What are Empire One's share account and share certificate rates?

Empire One's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Empire One?

Empire One has total capital of $8.94 million. Full information on Empire One's financial position is located above.

Who owns Empire One?

Credit Unions are owned by their members.

Where are Empire One branches located?

See branch locations nearby.

Are Empire One ATMs Open 24/7?

Do Empire One ATMs accept cash deposits?

Can Empire One customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Empire One have a mobile app?

Does Empire One have mobile deposit?

Does Empire One have quick pay?

How can Empire One transfer money to other banks or credit unions?

Does Empire One report to credit bureaus?

Does Empire One use Chexsystems?

Does Empire One use Equifax?

What is Empire One's toll free phone number?

What is Empire One's ACH Routing Number?

What is Empire One's SWIFT code?

Where can I find Empire One's wire transfer form?

What is the Empire One address for deposits?

What Products Does Empire One Offer

Does Empire One offer mortgages?

Compare mortgage rates here.

Does Empire One offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Empire One offer auto and RV loans?

Compare auto loan rates here.

Does Empire One offer student loans or personal loans?

Compare personal loan rates here.

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