Loans & Credit Cards

Lending to help you Live Better

Empire ONE FCU offers a wide variety of credit options to help you achieve your dreams, with rates that keep it affordable. Use our helpful loan calculator to estimate what your payments will be and how much you can afford to borrow. Then apply online or stop by any Empire ONE branch. We’ll give you a fast credit decision and our best rate, based on your credit history. Trust Empire ONE for:

  • Auto/Vehicle Loans—Finance new or used vehicles; or refinance your higher-interest loan.
  • Mortgage Loans—Purchase a new home or refinance an existing higher-rate mortgage to lower your payments.
  • Home Equity—Choose a loan with fixed payments or a line of credit with a competitive variable rate.
  • Personal Loans—We offer unsecured personal loans that help pay for wedding expenses, back to school costs, unplanned events, and other larger-than-normal expenses.
  • Overdraft Protection—This revolving line of credit helps protect you from the cost and embarrassment of accidental overdrafts.
  • Smart Option Student Loan® by Sallie Mae®—Students can borrow smarter with competitive variable rates and a choice of three flexible repayment options.
  • Visa® Credit Card—There is no annual fee and it allows you the ability to make everyday purchases at incredibly low interest rates.

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