--- title: "Empire One Credit Union Rates - New York" description: "Current vehicle loan, credit card, and savings & cd rates from Empire One Credit Union in New York. Updated daily with source verification. See who can join Empire One Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/empire-one" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Empire One Credit Union Rates - New York ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 3.500% | — | Standard | | **Boat Loan** boat | — APR | 6.000% | — | Standard | Empire One Credit Union auto & vehicle rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 8.490% | — | Standard | Empire One Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Savings** savings | — APY | 0.05% | — | Standard | Empire One Credit Union savings & cd rates as of November 12, 2026 Empire One Credit Union is a credit union in New York. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/empire-one) , verified from [Empire One Credit Union's official website](https://empireonefcu.org/) Loading branch locator… ## About Empire One Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.9K Assets $77M Founded 1935 Locations reported 2 NCUA charter 613 Charter type Federal credit union ### Services and member support - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Buffalo Conrail** Buffalo Conrail FCU · Cheektowaga · NY · 14206 About 1.3 miles away](https://rateapi.dev/credit-unions/new-york/buffalo-conrail) [**Ukrainian** Buffalo Branch · Buffalo · NY · 14204 About 2.5 miles away](https://rateapi.dev/credit-unions/new-york/ukrainian) [**Crossroads Community** Main - 3031 William Street · Cheektowaga · NY · 14227 About 2.7 miles away](https://rateapi.dev/credit-unions/new-york/crossroads-community) [**Morton Lane** ROSWELL PARK · Buffalo · NY · 14263-0001 About 3.0 miles away](https://rateapi.dev/credit-unions/new-york/morton-lane) [**Circuit** MAIN OFFICE · CHEEKTOWAGA · NY · 14227-1044 About 3.2 miles away](https://rateapi.dev/credit-unions/new-york/circuit) [**Kaleida Health** Buffalo General Office · Buffalo · NY · 14203-1126 About 3.2 miles away](https://rateapi.dev/credit-unions/new-york/kaleida-health) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Empire One Credit Union Membership eligibility from Empire One Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Empire One Credit Union's website. Check the membership page below to confirm whether you qualify. - Location erie — NY Verified from [Empire One Credit Union's membership page](https://empireonefcu.org/membership-faqs/) . Final membership determination is always made by the credit union. ## Membership rules for Empire One Credit Union Geography 1 county · Family 2 6 published paths to membership, last verified August 27, 2026, quoted from Empire One Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Erie County, NY “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Erie County, NY” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family “Once you join, members of your immediate family may also join and enjoy the full privileges of membership.” > [source ↗](https://empireonefcu.org/membership-faqs/) - Family member (immediate family) of a member - Family of a member immediate family, household member “Yes, once you are an Empire ONE FCU member, your immediate family members and others living in your household are eligible to join.” > [source ↗](https://empireonefcu.org/membership-faqs/) - Family member (immediate family, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Empire One Credit Union? Yes No ## Work at Empire One Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Empire One Credit Union ranks against New York peers. - See which AI assistants fetched Empire One Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=empire-one&state=new-york&code=NY&name=Empire%20One%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Empire One Credit Union offer? Empire One Credit Union currently offers vehicle loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Empire One Credit Union rates updated? RateAPI verifies Empire One Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Empire One Credit Union's rate data? Rate data is collected directly from Empire One Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Empire One Credit Union? Empire One Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 1 county for Empire One Credit Union, each quoted from Empire One Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Empire One Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://empireonefcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Empire One Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Empire One Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /empire-one " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Empire One Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/empire-one Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp