Credit Cards

Credit Card & Visa Balance Transfers

Visa® Credit Card

The Empire ONE Visa® Credit Card allows you the ability to make everyday purchases while taking advantage of incredibly low interest rates. Card activity and record keeping is made easier through our online banking portal and mobile banking app. Features include:

  • No annual fee
  • Non-variable interest rates
  • Credit Limit of $500 to $25,000
  • 25-day interest free grace period
  • No foreign currency conversion fee, so you don’t pay extra when you make purchases outside the U.S.

Visa Balance Transfer

Consolidate your credit card debt into one location and pay if off at your desired convenience, as we have two great options available to you!

1 Year OptionLifetime Option
1.99% APR* on balance transfer for 12 months4.99% APR* on the lifetime of the balance transfer
*APR – Annual Percentage Rate. After 12 months, any remaining balance will revert to the non-variable rate of 8.49% APR – 11.49% APR. No transfer fees.*APR – Annual Percentage Rate. No balance transfer fees.

Card Security

  • Lost or stolen Visa® Credit Card: Cardholder Call Center
    • Domestic: (833) 933-1681
    • International: (812) 647-9794
  • In the event you need to make a fraud claim: (866) 279-1399

If you’re travelling and would like to notify us or would like more information. Contact our Member Service Representative during regular business hours at 716-854-2458.

Apply Online
View Current Rates
Visa application


You can now pay your loan from another financial institution. Loan Pay
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