What are the current interest rates at Empire One Federal Credit Union?

Current rates for Empire One Federal Credit Union include: Savings: 0.05%

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Empire One Federal Credit Union

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Empire One Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Empire One Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 6, 2026

Empire One Federal Credit Union's savings rates are at 0.05%. Empire One Federal Credit Union's Personal Loan Rates are at 3.80%. MonitorBankRates evaluates the financial stability of Empire One Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.04%. Rates were last updated on 05/06/2026.

Empire One Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Empire One Federal Credit Union? Share your experience about Empire One Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Empire One Federal Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.04%

Excellent Lower than avg

Empire One Federal Credit Union
Main Office

3020 Orchard Park Rd
West Seneca, NY 14224

https://www.empireonefcu.org

Empire One Federal Credit Union Savings Rates

Product	Rate	APY	View More
Savings	-	0.05%
No additional details. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%

Empire One Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	3.80%
No additional details. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%

Empire One Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa	-	8.49%
No additional details. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Empire One Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Empire One Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Empire One Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Empire One Federal Credit Union

Website https://www.empireonefcu.org

Address 3020 Orchard Park Rd, West Seneca, NY 14224

Phone 716-854-2458

Fax 716-854-3613

President Louis McDonald

CEO Kelly Seiser

Full-Time Employees 13

Part-Time Employees 1

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.04%

Return on Assets (ROA)

0.5591%

Return on Equity (ROE)

5.0156%

Non-Performing Loans Ratio (NPL)

0.55%

Total Assets

77,747,243

Total Amount of Shares and Deposits

68,992,537

Total Shares and Deposits < 1 Year

68,945,718

Total Shares and Deposits 1 3 Years

46,819

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

476,483

Total Uninsured Shares and Deposits > $250K (F+J)

476,483

Total Insured Shares and Deposits > $250K (item 17 less item K)

68,516,054

Total Interest Expense (Sum of items 6 8)

32,556

Share Certificates

Number of Accounts for Share Drafts

2,611

IRA KEOGH Accounts

144

Number of Accounts for Regular Shares

5,710

Money Market Shares

135

Net Income (unless the amount is already included in Undivided Earnings)

434,655

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,366,910

Total Liabilities

69,301,170

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Empire One Federal Credit Union earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About Empire One Federal Credit Union

How many branches does Empire One Federal Credit Union operate?

Empire One Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Empire One Federal Credit Union?

Yes, to access services at Empire One Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Empire One Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Empire One Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Empire One Federal Credit Union offer online and mobile banking?

Most modern institutions like Empire One Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.empireonefcu.org.