Auto Loan Offer

The road to great rates starts at Empire ONE

Auto loans as low as 1.99% APR*

If you’re ready for a new set of wheels, Empire ONE can help you finance your next new or used vehicle. With rates as low as 1.99% APR* for up to 60 months, you’ll save on your monthly payment. Apply before you shop and show up with cash in hand to get your best deal. What will you do with the extra cash?

With your Empire ONE auto loan, you can also add Extended Warranty, Temporary Disability & Life Insurance or GAP Coverage.

View our rates.

Become a member and apply for your auto loan — it’s easy!

If you live, work, worship or go to school in Erie County, you’re eligible for Empire ONE Federal Credit Union membership and all of the credit union’s outstanding benefits.
You can apply for Empire ONE membership in one of three ways:
• Join in person—Simply stop by any of our branch locations listed below and speak with a Member Service Representative.
• Download and mail your application—Download the Empire ONE Membership Enrollment Application, complete and sign it, have your signature notarized, and mail your application, along with your check for the minimum deposit of $25 and a photocopy of your government issued picture ID/driver’s license. Please note: If your account will be a joint account, both Primary and Joint Member information sections must be completed with signatures notarized, and photocopies of IDs for both must be included.
• Call us—Contact your local branch, and we’ll send you an Empire ONE Membership Packet to help you open your new account.

Apply for a loan.

To begin your application, fill out the form, call us at 716.854.2458 or stop at any of our locations.

*Loan rates reflect the lowest rate available on approved credit as determined by the credit-worthiness of each applicant. Rates are subject to change without notice. Other rates, terms or conditions may apply. Used vehicle financed at NADA Retail Book Value, plus taxes. Current Empire ONE FCU loans are not eligible for refinancing.


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