Cure the Holiday Hangover!

Spend too much on the holidays? Bills pouring in? Consolidate those bills into an Empire ONE Visa® credit card account with rates as low as 9.30% APR*.

Earn travel and merchandise rewards through CURewards®

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.

Cash back on 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


Rebate Redemption Percentage

1 – 1,999


2,000 – 3,999




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.

Apply for our low-interest Visa® credit card in two-easy steps!

If you’re not already an Empire ONE member, become one today.

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.

Once you’re a member, you’re eligible to apply for an Empire ONE Visa®
credit card.

Apply over the phone by calling 716.854.2458 or in person at our Orchard Park branch.

*Annual Percentage Rate reflects 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, fees or conditions may apply.

Questions? Fill out the form below, and we’ll get in touch with you.

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