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iAdvertiser Disclosure
Advertiser Disclosure
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 Empire One Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 28, 2026
Empire One Federal Credit Union's savings rates are at 0.05%. Empire One Federal Credit Union's money market rates are at 0.20%. Empire One Federal Credit Union's Auto Loan Rates are as low as 3.50%. Empire One Federal Credit Union's Credit Card Rates are at 8.49%. Empire One Federal Credit Union's savings rates are 93% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 1.20%. Rates last updated and verified on 10/28/2026. 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. Empire One Federal Credit Union
Main Office 2345 William St
https://www.empireonefcu.org Cheektowaga, NY 14206  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Empire One Federal Credit Union Savings Rates
Empire One Federal Credit Union Money Market Rates
Empire One Federal Credit Union Auto Loan Rates
Empire One Federal Credit Union RV, Boat and Powersport Loan Rates
Empire One Federal Credit Union Credit Card Rates
Financial Health HistoryEmpire One Federal Credit Union’s Texas Ratio stayed near 1.18% in Q3 2023 to 1.20% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
2345 William St,
Cheektowaga, NY 14206
Phone
716-854-2458
Fax
716-220-7318
President
Louis McDonald
CEO
Kelly Seiser
Full-Time Employees
12
Part-Time Employees
0
Branch Locations
1
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.20%
Return on Assets (ROA)
-0.8169%
Return on Equity (ROE)
-8.0809%
Non-Performing Loans Ratio (NPL)
0.32%
Total Assets
75,963,458
Total Amount of Shares and Deposits
67,629,051
Total Shares and Deposits < 1 Year
67,447,333
Total Shares and Deposits 1 3 Years
181,718
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
804,776
Total Uninsured Shares and Deposits > $250K (F+J)
804,776
Total Insured Shares and Deposits > $250K (item 17 less item K)
66,824,275
Total Interest Expense (Sum of items 6 8)
20,565
Share Certificates
33
Number of Accounts for Share Drafts
2,503
IRA KEOGH Accounts
136
Number of Accounts for Regular Shares
5,460
Money Market Shares
119
Net Income (unless the amount is already included in Undivided Earnings)
-620,525
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
15,689,296
Total Liabilities
68,494,575
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Empire One Federal Credit Union
Frequently Asked Questions About Empire One Federal Credit UnionWhat is the highest savings rate at Empire One Federal Credit Union?The highest Empire One Federal Credit Union savings rate is its REGULAR SAVINGS at 0.05% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest money market rate at Empire One Federal Credit Union?The highest Empire One Federal Credit Union money market rate is its MONEY MARKET at 0.20% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest auto loan rate at Empire One Federal Credit Union?The lowest Empire One Federal Credit Union auto loan rate is its Auto Loans at 3.50% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest credit card APR at Empire One Federal Credit Union?The lowest Empire One Federal Credit Union credit card APR is its Visa Credit Card at 8.49% APR, verified by MonitorBankRates as of October 28, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Empire One Federal Credit Union rates compare?Empire One Federal Credit Union's savings rates are 93% lower than the MonitorBankRates national average, and it has an A+ health rating. Empire One Federal Credit Union's top rates are its REGULAR SAVINGS at 0.05% APY, its MONEY MARKET at 0.20% APY, its Auto Loans at 3.50% APR and its Visa Credit Card at 8.49% APR, verified by MonitorBankRates on October 28, 2026. Current Empire One Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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