Empire Federal Credit Union


Once you join Empire FCU, you may apply for a loan. Loan applications can be made in person, by telephone, fax, online via our online loan applications, or by U.S. mail. Applying for a loan is quick and easy with our "Empire Federal Credit Union Express App", by calling DANA, our 24 hour loan-by- phone service, or by applying through P.C. Teller--our internet home banking service. Most loans can be approved within 24 hours of receipt of a completed loan application, and Loan Officers are available at all offices to answer questions and provide fast service on all our loans.

Types Available

  • All-Terrain Vehicles
  • Boats
  • Holiday Gifts
  • Clothing
  • Debt Consolidation
  • Home Equity
  • Home Improvement
  • Insurance or Taxes
  • Leasing
  • Line-Of-Credit
  • Mini Home Equity Loans
    (for Auto/Truck purchases
    or all-purpose loans)
  • Mortgages (1st and 2nd)
  • Motorcycles
  • New/Used Autos
  • New/Used Trucks
  • Other Personal Loans
  • Recreational Vehicles
  • Repairs
  • Share-Secured
  • Stocks
  • Student Loans/Parent Loans
  • Vacation
  • VISA
  • Payment Shaver


Empire FCU offers low interest rates on all loans. There are never any hidden charges or extra charges on a Credit Union loan. Interest is calculated on the balance of the outstanding principal only, and there are never any early repayment penalties. Payments can be made conveniently through payroll deduction, transferred from your Share (Savings or Checking) Accounts with DANA 24-Hour Touch-Tone Teller, by calling one of our offices, through the U.S. Mail, or through P.C. Teller. To experiment with the many term, interest and repayment options, try our online loan calculator.


Some loans may require only the borrower's signature. Collateral, when required, may include: assignable stocks (such as AT&T, NYNEX, etc.); a security agreement or chattel on autos, trucks, boats, RVs, snowmobiles, etc.; Credit Union savings, or home mortgages (1st and 2nd).

Payment Protection

Payment Protection for disability and life, is available at a low cost. (Certain restrictions apply.) In the event of death prior to the borrower’s 70th birthday, the loan will be paid. Payment for total disability will be made prior to the borrower’s 66th birthday. Please contact one of our offices for more information.