Credit Cards


TWO powerful cards from Empire ONE

Visa® Classic Credit Card

The Empire ONE Visa® Classic Credit Card features a great everyday rate and these classic benefits:

  • No annual fee
  • No minimum finance charges
  • A 25-day interest free grace period
  • No foreign currency conversion fees, so you don’t pay extra when you make purchases outside the U.S.

Visa® Gold Credit Card

The Empire ONE Visa® Gold Credit Card features our lowest credit card rate and these benefits:

  • No annual fee
  • No minimum finance charges
  • A 25-day interest free grace period
  • No foreign currency conversion fees, so you don’t pay extra when you make purchases outside the U.S.

Earn travel and merchandise rewards through CURewards®

Both Empire ONE credit cards offer you the opportunity to earn one rewards point for every $1 you spend in purchases through CURewards®. Build your points and redeem them for airline travel, hotel accommodations, a dream cruise, exciting vacation packages and other travel rewards. Or choose from popular electronics, housewares, fitness equipment and other merchandise.

Click here to sign up for CURewards®.

Cash back for your purchases

Choose our Cash Rebates reward option and redeem your points for cash back through Empire ONE. The higher your points, the higher rebate rate you’ll earn.

Cash Rebate Rewards

Points Rebate Redemption Percentage
1 – 1,999 .25%
2,000 – 3,999 .50%
4,000+ .75%

Example: $4,575.00 = 4,575 points x .75% would be a Cash Rebate of $34.31

All Cash Rebates are administered by the Credit Union. The cardholder cannot redeem points for Cash Rebates through the CURewards website, please contact the Loan Department at our Main Branch at 716.854.2458.

Online access to your account information

AccessPoint gives you 24/7 access to your Empire ONE credit card transaction and payment history, balance information, payment due dates and more. Simply register your Empire ONE credit on the AccessPoint website to register or log in.

Lost card?

Call 800.449.7728 to report your card lost or stolen as soon as you are aware of it.

Apply Online
View Current Rates


Contact Us

Apply for a Loan