Empower Federal Credit Union

22 Branch Locations
2.7/10 3 Ratings
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22 Branch Locations
Main Phone:
 (315) 477-2200
Main Office:
 1 Member Way
 Syracuse, NY 13212
About Empower Federal Credit Union

Empower Federal Credit Union was chartered on Jan. 1, 1939. Headquartered in Syracuse, NY, it has assets in the amount of $1,291,549,201. Its 140,394 members are served from 22 locations. Deposits in Empower Federal Credit Union are insured by NCUA.

Membership Eligibility

Employees or retirees, or eligible family and household members of employees or retirees, of one of over eighteen hundred member organizations. A complete listing can be found on the website: www.empowerfcu.com. Also eligible are those who live, work, worship, or attend school in these areas of New York State: City of Binghamton, City of Buffalo, City of Elmira (excluding census tract #5), City of Syracuse, City of Utica, Montgomery County, Oswego County, Town of Cheektowaga, Town of Salina (designated areas), Town of Union, Village of Elmira Heights, Village of Horseheads, and the Village of New York Mills. (updated Jan 2011)

Chartered On:
 Jan. 1, 1939
Charter Number:
Total Assets:
Deposit Insurance:
Number of Members:
 John D Wakefield
Member of FHLB:
Low Income Designation:
Institution Class:
 Federal Credit Union - Multiple common bond - primarily communications and utilities
Access to Electronic Services
  • Automatic Teller Machine (ATM)
  • Kiosk
  • Audio Response/Phone Based
  • Mobile Banking
  • Home Banking via Internet Website
Credit Union Programs
  • Mortgage Processing
  • Approved Mortgage Seller
  • Short-Term, Small Amount Loans (FCU Only)
Electronic Services
  • Account Balance Inquiry
  • Share Draft Orders
  • Share Account Transfers
  • New Loan
  • Remote Deposit Capture
  • Loan Payments
  • Electronic Cash
  • Electronic Signature Auth./Cert.
  • View Account History
  • Member Application
  • Download Account History
  • Bill Payment
  • e-Statements
Services & Products - Credit
  • Overdraft Lines of Credit
  • Participation Loans
  • Real Estate Loans
  • Overdraft Protection/ Courtesy Pay
  • Interest Only or Pymt Option
  • Indirect Consumer Loans
  • Share Secured Credit Cards
  • Risk Based Loans
  • Credit Builder
  • Business Loans
Services & Products - Depository
  • Health Savings Accounts
  • No Cost Share Drafts
  • Business Share Accounts
  • Share Certificates with low minimum balance requirement
Services & Products - Financial Education
  • First Time Homebuyer Program
  • Financial Literacy Workshops
  • Financial Education
  • Financial Counseling
  • In-School Branches
Services & Products - Other
  • No Cost Bill Payer
  • Bilingual Services
  • Student Scholarship
Services & Products - Transactional
  • ATM/Debit Card Program
  • No surcharge ATMs
  • Check Cashing
  • Money orders

Reviews & Feedback

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How was your experience at this Credit Union? Let others know what you think. Leave your Review, Suggestion, Complaint or Tip below:
Rate This Credit Union:
2.7/10 3 Ratings
Reviewer:Robrt Sgarlata
Date:May 22, 2021

Calling local branch is impossible!!!

Reviewer:Donn Milovicz
Date:Oct. 3, 2018

Can't get a hold of anyone to find out why I can't access my money. They don't list individual location phone #s only a 800 and a 477 and they just hang up on me after I do the customer service option. This new system SUCKS.

Reviewer:Anonymous User
Date:Oct. 1, 2018

Its sad that Empower has no way for customers to reach them after them messed up their system in a conversion, this makes me realize its time to shop for a bank that wants my business, you can not call local branches, you can never get CS, and now they keep making excuses for not having on line banking working. they always have a excuse but never a sound answer, Empower I'm searching for your replacement I'm tired of the excuses and issues and your lack of interest in resolving them

Reviewer:joe sammarco
Date:Jan. 27, 2018

I think it stinks that I cannot get online on this weekend.....locked out...why I do not know and there is no help available on the weekend. Sad.

Date:Aug. 23, 2017

Cant reach a live person. I want to ask a fee questions. Cant get a local number to call. I am not a customer so i have no acct. Num to enter.

Reviewer:Anonymous User
Date:Nov. 25, 2016

Empower Federal Credit Union is small, but has offers & products compared to many BIG banks. I am very satisfied with the Services they rendered to me, however their teller service @ the Walden Ave location isnt so friendly, & a little impatient. If they would improve a couple of those ladies attitudes, I would rate them a 10!