Empire Federal Credit Union



Empire FCU offers a variety of savings and investment choices, from IRA accounts, certificates up to 10 years, to money market accounts, and club accounts. Depending on the term you choose, dividend rates and certificate rates are competitive, and will vary. To experiment with the many term, interest and principal options, try our online savings calculator.


SMART (Senior Members Are Really Terrific) Club is Empire's exclusive club for members age 50 and over! It's a golden opportunity because you pay absolutely nothing while enjoying many benefits, just by using some of the services provided by your Credit Union.

The SMART Club always has your best interest in mind. And since your Credit Union is non-profit, you can take advantage of rates and services that are typically more cost efficient than those of many competitive financial institutions.

Click here for details on all the benefits available

Moola Moola

The Credit Union also offers a youth savings club, Moola Moola, designed to help children save. The Moola Moola Club gives kids that all-important first step in the fundamentals of financial management. Check out the exciting online game where you can make your own Moola Moola.

Click here to read the Winter 2000 Moola Moola savings newsletter.


Whether you are dreaming of a new car, house, or just about anything else, Empire FCU can provide the cash you need to make it happen fast. Our all-purpose loans are offered at competitive rates with fast auto loan approval, and loan discounts for using services such as Empire checking or savings accounts. And now with our online loan application, you can have the money you need when you need it. To experiment with the many term, interest and principal options, try our online loan calculator.

Car Buyers Helpline is an automobile consulting and buying service for credit union members. Its purpose is to help credit union members purchase a new vehicle at the lowest possible price. If you are looking to purchase a new car or truck and you do not want to go through the hassle of negotiating with a car dealer, we encourage you to try this service.Clicking the above link will open up a new browser window. Close this window to return to Empire Federal Credit Union's web site.

is a free interactive web site that allows you to research information on new and used cars and trucks. Find out everything you need to know about the new vehicle you are interested in. Research the sticker price, invoice price, dealer hold back, standard equipment, option packages, individual options, safety ratings and other consumer ratings, warranty information, car buying tips, and much more. You can even find the value of you current vehicle and other used vehicles.


Empire FCU has a number of services designed to make managing you finances convenient and flexible. Member services include Payroll Deduction, Electronic Funds Transfer/Direct Deposit, 24-Hour Access, fee-free checking accounts, mortgages, VISAs, ATM cards, debit cards and much more.

Members enjoy the convenience of online account creation which lets you apply for a new account from the comfort of your own home. Are you running out of checks? Use the online check ordering service to reorder them. Also, with PC Teller, members can view account and loan balances, account history, and transfer funds between Empire Accounts.