Overview / Commentary
716-854-2458
3020 Orchard Park Rd
West Seneca, NY 14224

Empire ONE Federal Credit Union is headquartered in West Seneca and is the 90th largest credit union in the state of New York. It is also the 1,857th largest credit union in the nation. It was established in 1935 and as of September of 2018, it had grown to 11 employees and 7,102 members at 2 locations. Empire ONE Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership with Empire ONE Federal Credit Union is open to those who live, work, worship, or attend school in Erie County, New York.
See current membership details

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Reviews (1)

Empire One Federal Credit Union is a great local bank.

Posted by: lanaryan0 | Mar 5, 2017

Empire One Federal Credit Union has just moved to a brand new beautiful building just across the street from their old location. Their building may be new, but their customer service remains as fabulous as it was in the old tiny office. We have both checking and savings accounts with the bank along with internet access to our accounts. We do most of our banking automatically or via the website, but occasionally I need to go to the bank to cash a check, get a cashier's check, or just ask a question. The employees at the bank are always friendly, knowledgeable, and extremely efficient. I am very happy to be a member of this credit union.



Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Empire ONE Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #613
Year Chartered1935
Employees11
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD2.39%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$77.4MM$73.9MM
LoansQ3 2018vs Q3 2017$43.5MM$34.2MM
DepositsQ3 2018vs Q3 2017$68.6MM$65.5MM
Equity CapitalQ3 2018vs Q3 2017$8.3MM$8.1MM
Loan Loss AllowanceQ3 2018vs Q3 2017$207.00K$133.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$91.00K$235.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Empire ONE Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Empire ONE Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$500-Share Account

Empire ONE Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$50k*-Money Market
OTHER TIERS: 0.15% $2.5k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k

Empire ONE Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.61%$1k-5 Year Share Certificate
1.20%$1k-3 - 4 Year Share Certificate
0.90%$1k-2 Year Share Certificate
0.70%$1k-1 Year Share Certificate

Empire ONE Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.61%$1k-5 Year IRA Share Certificate
1.20%$1k-3 - 4 Year IRA Share Certificate
0.90%$1k-2 Year IRA Share Certificate
0.70%$1k-1 Year IRA Share Certificate
Locations


Empire ONE Federal Credit Union Locations
Branch Office3020 Orchard Park RdWest Seneca, NY 14224
Branch Office1155 William StBuffalo, NY 14206

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