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Empire One

3020 Orchard Park Rd, West Seneca, NY 14224
NCUA Insured2.3 (25 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1935

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

3020 Orchard Park Rd

West Seneca, NY 14224

Service Area

This credit union is located in West Seneca and serves members in the NY area. Currently serving 4,985 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.25%

Used Auto Loan

4.25%

Personal Loan

8.00%

Credit Card APR

8.49%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

2.3

25 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Peach

Peach

3 months ago

THIS LOCATION IS NOW PERMANENTLY CLOSED (and without any prior notification to customers). I went by 3 times to deposit funds at the ATM and it was blocked off. Today I finally saw a "For Lease" sign out front and a paper notice taped on the windows that the location is permanently closed and to visit the Williams St location. My two star review is solely for the lack of notice. The staff were nice, the office was clean and beautiful, and I had a good experience overall. I'm truly sorry to have to close my accounts, but I'm not willing to make the trek that far from my house when there are so many banks nearby. I hope the OP Road staff weren't let go!

ben pawlak

ben pawlak

5 months ago

The website says they are open but when I arrived the windows all boarded up and they were closed. At 11:30 on a Thursday. How can I leave 0 star review?????

Tamaris Gordon

Tamaris Gordon

a year ago

UPDATE CREDIT UNION CLOSED BEFORE 5PM. It’s a waste of time. No consideration for members driving miles away due to a prolonged opening of branch that should have been open in spring 2024. They don’t have a set date for opening either Love the institution, HATE the updated customer service line. It doesn’t connect you to anyone and no one returns your call. It rings and rings and tells you that a customer service rep will answer when one is available. Just for NONE to be available. It needs to be changed back to being able to reach the tellers directly. ATM won’t allow you to withdraw more than 300 when it’s supposed to be capped at $500

Patrick Gorman

Patrick Gorman

a year ago

Only one ATM is available. It’s down you have no access. Lack of services like mortgages are no longer available. Terrible customer relations, nobody answering their phones. Jump ball if they call you back. Water fountain in W.Seneca building has never worked?? After 50 yrs I’m seriously considering moving my accounts. Many of my friends and long time customers have already left.

Chris Shults

Chris Shults

a year ago

If I could leave 0 stars, I would. The absolute worst customer service I've ever experienced - they are petty and have absolutely no professionalism about them. If you are looking for a new bank/credit union, LOOK ELSEWHERE! Dealing with EmpireOne is not worth the hassle and headaches - there is a reason that the google review score is so extremely low and it is a direct reflection of the incredibly awful management.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).