Empire One Federal Credit Union

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A short history of Empire One FCU

Since its inception in 1935 the Empire One Federal Credit Union has been serving its members in the West Seneca, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by James Furman, the Empire One FCU has grown its membership to over 7,100 with assets of more than $75,612,516. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (716) 854-2458 or email them at member@buffalopostalfcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in West Seneca, NY.

General Information For Empire One FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 613
Address 3020 Orchard Park Rd 
City West Seneca 
State New York 
Zip-Code 14224
Phone Number (716) 854-2458
Fax Number (716) 854-3613
Email Address: member@buffalopostalfcu.org
CEO/President James Furman
Members 7,100 
Full-Time Employees 13 
Part-Time Employees
Number of Branch Offices
Total Assets 75,612,516 
Website http://www.empireonefcu.org 

Compare Empire One Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Western New York CU Main Office 1937 Union Rd 14224 (716) 674-3199 No 1.14
St. Johns Buffalo CU st. john's buffalo fcu 2322 seneca st 14210 (716) 823-1527 No 2.96
Sloan Public Schools CU Slaon FCU 305 Cayuga Creek Rd 14227 (716) 897-7800 No 3.08
Crossroads Community CU Main - 3031 William Street 3031 William St 14227 (716) 896-8084 No 3.29
Buffalo Conrail CU Buffalo Conrail FCU 1481 Harlem Rd 14206 (716) 897-2383 No 3.68

Empire One Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Empire One Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.30 2.25 3.25 3.99 5.50
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 183 57 120 137 289
Rank Among All New York Credit Unions 31 22 39 47 95

Empire One Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.10 0.35 0.35
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 134 293 250
Rank Among All New York Credit Unions N/A 38 37 77 65
Empire One Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.3002,1632,938,993
All Other Unsecured Loans/Lines of Credit 7.5006972,186,240
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.2503524,941,002
Used Vehicle Loans 3.2503543,622,794
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.99015512,842,063
Total Other Real Estate Loans/Lines of Credit 5.5001433,822,256
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.1703213,431,555
TOTAL LOANS & LEASES 4,18533,784,903

Empire One Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 687,039,7096884,976
    b. 15 Years or less 875,802,3542109,000
Balloon/Hybrid
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 772,212,9783122,000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 661,609,2784140,000
Open-End Fixed Rate 0000
TOTALS 29816,664,319151,255,976

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Empire One Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes