Empower Federal Credit Union of Syracuse, New York has been in service for more than 75 years, currently from 21 locations. Its field of membership is a primarily communications or utilities common bond. By number of members, it is the 9th largest in New York. It also is the ninth largest in the state by assets.
Checking services include no cost share drafts, share certificates with low minimum balance requirements, bill pay services, overdraft protection and overdraft lines of credit. Debit cards, ATMs with no surcharges and prepaid debit cards are available.
For members needing to establish credit, the credit union offers a credit builder program, share-secured credit cards and short term small amount loans. Financial counseling, financial education and financial literacy workshops are available.
Besides automobile loans and other kinds of borrowing, Empower FCU can do real estate loans, has a first time homebuyer program and can grant interest only or payment option first mortgage loans. Conveniences include check cashing, international remittances, low-cost wire transfers and money orders. Empower FCU members may also benefit from bilingual services, in-school branches, student scholarships and loans based on expected tax refund.
Services to businesses and professionals include business share accounts, business loans, mortgage processing and the credit union is an approved mortgage seller. People having other financial, savings, and investment needs will appreciate health savings accounts, individual development accounts and insurance/investment products that are offered.
Available electronic access includes Internet account access, bank by phone and wireless phone apps. From home, you can apply to join the credit union, take out a loan, look at your balance, order share drafts, loan payments, view account history, transfer money, online bill pay, download your account history, view statements and capture remote deposits.
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