Featured Savings Rates
Featured Accounts

Empire ONE Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.00%5-year CD5 Year Share Certificate
0.35%1-year CD1 Year Share Certificate
0.05%SavingsShare Account

Overview / Commentary
877-642-6324
3020 Orchard Park Rd
West Seneca, NY 14224

Empire ONE Federal Credit Union is headquartered in West Seneca and is the 94th largest credit union in the state of New York. It is also the 1,906th largest credit union in the nation. It was established in 1935 and as of December of 2016, it had grown to 17 employees and 7,290 members at 3 locations. Empire ONE Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership 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
Employees17
Primary Regulator
Profit Margin
Return on Assets - YTD-0.12%
Return on Equity - YTD-1.08%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$73.2MM$73.4MM
LoansQ4 2016vs Q4 2015$33.6MM$32.9MM
DepositsQ4 2016vs Q4 2015$64.8MM$64.9MM
Equity CapitalQ4 2016vs Q4 2015$8.1MM$8.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$143.00K$189.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$337.00K$324.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$500-Share Account
0.05%$100-Children and Youth Share Account

Empire ONE Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$50k*-Money Market Account
OTHER TIERS: 0.05% $2,500 - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k

Empire ONE Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1k-5 Year Share Certificate
0.65%$1k-3-4 Year Share Certificate
0.50%$1k-2 Year Share Certificate
0.35%$1k-1 Year Share Certificate

Empire ONE Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1k-5 Year IRA Share Certificate
0.65%$1k-3-4 Year IRA Share Certificate
0.50%$1k-2 Year IRA Share Certificate
0.35%$1k-1 Year IRA Share Certificate
Locations


Empire ONE Federal Credit Union Locations
Branch Office5930 Main StWilliamsville, NY 14221
Branch Office3020 Orchard Park RdWest Seneca, NY 14224
Branch Office1155 William StBuffalo, NY 14206