Savings accounts for every need

Savings (Share) accounts

An Empire ONE Savings account is the key that unlocks the door to all of your credit union membership benefits. Simply open a Savings account with a minimum deposit of $25, and you’ll become an Empire ONE FCU member—with access to lower rates on loans, fewer fees and friendly service from hometown people you trust. Your Savings account earns interest (dividends) on balances of $500 or more, and you can set up automatic deposits to make reaching your goals easier. View our current rates.

You’ll have 24/7 access to your Savings account through our Virtual Branch online banking, and you can use your Empire ONE ATM or Visa® Debit Card to make convenient withdrawals and deposits. To build your savings steadily, you can set up direct deposit or payroll deduction.

Holiday and Vacation Club accounts

A Holiday Club account is the perfect way to save for holiday purchases—and avoid those high credit bills after the holidays are over! There’s no minimum deposit required, and you’ll earn competitive interest. Start your Holiday Club in October and save through September of the following year. There are no withdrawals allowed during the year, so your full savings amount will be ready for you when holiday shopping season begins. Your payout will be transferred into your Savings account on October 1st. To stay on track, you can even set up automatic deposits from your Checking or Savings account. Note: If you wish to access this account, you must close it without renewal until a new club year begins.

Dreaming of a special vacation to a new and exciting destination? Planning a family trip for some much-needed together time? No problem. Our Vacation Club accounts help you earmark savings for that specific purpose. You’ll earn competitive interest on your savings and you can set up automatic deposits into your account to help you stay on track to reach your goal.

Club accounts for organizational purposes

Club accounts are available as separate savings accounts for organizational purposes (i.e., flower fund, charity, civic club, sports leagues, reunions, etc.). You must maintain a regular Savings (Share) account.

Individual Retirement Accounts (IRAs)

An IRA is a smart way to supplement your retirement savings. Empire ONE offers outstanding rates, and your money will grow tax-deferred year after year so your savings build faster. And you can begin to receive distributions at age 70 1/2. In 2015, you can contribute up to $5,500 or $6,500 if youre age 50 or over. Depending on your needs, you can choose:

  • A Traditional IRA, which offers tax-deferred earnings and the potential for tax-deductible contributions.
  • A Roth IRA, which is funded by non-deductible contributions but gives you the opportunity for tax-free withdrawals. There are no age restrictions on contributions.
  • An Education IRA enables parents and others to deposit up to $2,000 per year to be used for educational expenses, including tuition, books and supplies.

Call an Empire ONE Member Services Representative today or visit any branch for additional information on our IRA options.


Share Certificates give you the opportunity to lock in a higher interest rate for a set period of time without the risk that other investment options may have. Choose terms from one to five years and build your savings over time. You can also choose an IRA Share Certificate and select a term to generate a specific yield for your IRA funds. Stop by any Empire ONE branch or call us to find out more.

To open any Empire ONE Free account, stop by any branch location or call 716.854.2458. All of your Empire ONE FCU deposits are federally insured up to $250,000 by the National Credit Union Administration, a U.S. Government Agency.

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