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

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

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Empire One Federal Credit Union

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Empire One Federal Credit Union Rates & Review September 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 and Verified: September 14, 2026

Empire One Federal Credit Union's savings rates are at 0.05%. Empire One Federal Credit Union's money market rates are at 0.05%. 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%. 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 1.33%. Rates last updated and verified on 09/14/2026.

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 Healthy 2026 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

1.33%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Empire One Federal Credit Union
Vital Records

2345 William St
Cheektowaga, NY 14206

https://www.empireonefcu.org

Empire One Federal Credit Union Savings Rates

Product	Rate	APY
HOLIDAY CLUB	-	0.05%
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
REGULAR SAVINGS	-	0.05%
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
SECONDARY SAVINGS	-	0.05%
Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

Empire One Federal Credit Union Money Market Rates

Product	Rate	APY
MONEY MARKET	-	0.20%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
MONEY MARKET	-	0.15%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
MONEY MARKET	-	0.10%
Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
MONEY MARKET	-	0.05%
Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

Empire One Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	3.50%
Details Featured Rate Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

Empire One Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Boat Loan	-	6.00%
Details Featured Rate Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

Empire One Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa	-	8.49%
Details Featured Rate Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

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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Financial Health History

Empire One Federal Credit Union’s Texas Ratio stayed near 1.16% in Q2 2023 to 1.33% in Q1 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$77M	1.33%	5.0	A+
December 31, 2025	$77M	2.08%	5.0	A+
September 30, 2025	$78M	2.01%	5.0	A+
June 30, 2025	$77M	2.00%	5.0	A+
March 31, 2025	$78M	2.11%	5.0	A+
December 31, 2024	$77M	1.44%	5.0	A+
September 30, 2024	$77M	0.67%	5.0	A+
June 30, 2024	$78M	0.44%	5.0	A+
March 31, 2024	$78M	0.58%	5.0	A+
December 31, 2023	$79M	0.81%	5.0	A+
September 30, 2023	$83M	1.18%	5.0	A+
June 30, 2023	$84M	1.16%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.33%

Return on Assets (ROA)

-0.1408%

Return on Equity (ROE)

-1.2917%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

77,010,661

Total Amount of Shares and Deposits

68,042,661

Total Shares and Deposits < 1 Year

67,886,174

Total Shares and Deposits 1 3 Years

156,487

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

632,520

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

632,520

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

67,410,141

Total Interest Expense (Sum of items 6 8)

10,211

Share Certificates

Number of Accounts for Share Drafts

2,543

IRA KEOGH Accounts

143

Number of Accounts for Regular Shares

5,545

Money Market Shares

127

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

-108,417

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)

12,194,916

Total Liabilities

68,822,543

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Empire One Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Total 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.