Credit union · NCUA insured
EmpireONE Federal Credit Union
A $77M credit union headquartered in Cheektowaga, NY, with 4,918 members and 2 branches in New York. Best rates: CDs 1.76% and savings 0.10% APY.
EmpireONE Federal Credit Union Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#33 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About EmpireONE Federal Credit Union
Founded in 1935, EmpireONE Federal Credit Union is a member-owned, non-profit financial institution serving everyone who lives, works, goes to school, or worships in Erie County, New York.
Originally established as Buffalo Postal Community Federal Credit Union, it was renamed Buffalo Community Federal Credit Union in 2012 before becoming Empire ONE Federal Credit Union in 2015.
- Headquarters
- 2345 William St, Cheektowaga, NY 14206
- NCUA charter
- 613
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or go to school in Erie County, New York, and can prove US citizenship, are eligible for membership.
Family and household
- Immediate family members and others living in the household of an existing Empire ONE Federal Credit Union member are eligible to join.
Branches
2 branches in New York
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New York
2 branches
- Main OfficeMain office2345 William St, Cheektowaga, NY 14206Directions
- Vital Records2345 William St, Cheektowaga, NY 14206Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.11% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.32% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -1.62% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $44 | $59 | — |
- CapitalNet worth ratio10.11%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.32%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-1.62%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$44Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of EmpireONE Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.