Empire ONE Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

empireonefcu.org

716-854-2458

3020 Orchard Park Rd
West Seneca, NY 14224

Empire ONE Federal Credit Union is headquartered in West Seneca and is the 103^rd largest credit union in the state of New York. It is also the 2,058^th largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 13 employees and 5,096 members at 2 locations. Empire ONE Federal Credit Union's CD rates are 40% higher than the national average, and it 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

Reviews

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Health

B+

Data as of Q1 2025

Learn why bank health matters

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 Chartered	1935
Employees	13
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.65%
Return on Equity - YTD	-6.23%
Annual Interest Income	$530K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$77.7MM$78.5MM
Loans	Q1 2025vs Q1 2024	$31.5MM$31.4MM
Deposits	Q1 2025vs Q1 2024	$69.1MM$69.9MM
Equity Capital	Q1 2025vs Q1 2024	$8MM$8.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$118K$217K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$177K$50K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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* 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

APY	MIN	MAX	ACCOUNT NAME
0.05%	$500	-	Share Account
0.05%	$500	-	Secondary Savings
0.05%	$500	-	Holiday Club

Empire ONE Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$50k^*	-	Money Market
OTHER TIERS: 0.05% → $2.5k - $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k

Empire ONE Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$1k	-	3 Year Share Certificate
1.51%	$1k	-	2 Year Share Certificate
1.26%	$1k	-	1 Year Share Certificate
0.25%	$1k	-	5 Year Share Certificate
0.20%	$1k	-	4 Year Share Certificate

Empire ONE Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$1k	-	3 Year IRA Share Certificate
1.51%	$1k	-	2 Year IRA Share Certificate
1.26%	$1k	-	1 Year IRA Share Certificate
0.25%	$1k	-	5 Year IRA Share Certificate
0.20%	$1k	-	4 Year IRA Share Certificate
0.05%	$500	-	IRA Saving

Locations

Empire ONE Federal Credit Union Locations
Branch Office	3020 Orchard Park Rd	West Seneca, NY 14224
Branch Office	3020 Orchard Park Rd	West Seneca, NY 14224

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