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Open a Business Membership

When you join Empower Federal Credit Union, you work with a New York credit union dedicated to serving small businesses like yours. From business checking and savings accounts to small-business loans and commercial mortgages, we'll provide the tools and resources for your growth.

Eligibility Requirements

  • All business owners must be personally eligible for membership.
  • If any business owners have personal memberships, they must be in good standing.
New York State law prohibits local governments from depositing public funds with Credit Unions. We do not open memberships for Internet gambling businesses, money services businesses or marijuana related businesses.


Required Business Documentation

Click the business entity type listed below to view the required documentation to open a business membership for business entities formed in New York State.

Memberships will not be opened until all required documentation is provided. Memberships will not be opened for entities that are inactive or dissolved.
 

C-Corporation, S-Corporation, Not-For-Profit Corporation & Professional Corporation

  • Certificate of Incorporation w/NYS filing receipt

  • Certified Certificate of Assumed Name or NYS filing receipt for the Certificate of Assumed Name (if operating under an assumed name)


Religious Corporation

  • Certified Certificate of Incorporation


Education Corporation

  • Certified Regents Charter or certified Regents Certificate of Incorporation


For information on required business documentation for business entities formed outside of New York State, please call 315.477.2200 or 1.800.462.5000.

Limited Liability Company & Professional Limited Liability Company

  • Articles of Organization w/NYS filing receipt

  • Operating agreement signed by all members of the LLC

  • Certified Certificate of Assumed Name or NYS filing receipt for the Certificate of Assumed Name (if operating under an assumed name)


For information on required business documentation for business entities formed outside of New York State, please call 315.477.2200 or 1.800.462.5000.

Limited Liability Partnership

  • Certificate of Registration w/NYS filing receipt

  • Partnership agreement signed by all partners in the partnership

  • Certified Certificate of Assumed Name (if operating under an assumed name)


Limited Partnership

  • Certificate of Limited Partnership w/NYS filing receipt

  • Partnership agreement signed by all partners in the partnership

  • Certified Certificate of Assumed Name or NYS filing receipt for the Certificate of Assumed Name (if operating under an assumed name)


General Partnership

  • Certified Partnership Certificate (if operating under an assumed name)

  • Partnership agreement signed by all in the partnership


For information on required business documentation for business entities formed outside of New York State, please call 315.477.2200 or 1.800.462.5000.

Sole Proprietorship

  • Certified Business Certificate (if operating under an assumed name)


For information on required business documentation for business entities formed outside of New York State, please call 315.477.2200 or 1.800.462.5000.

Campaign Account

  • Filing from local Board of Elections


For information on required business documentation for business entities formed outside of New York State, please call 315.477.2200 or 1.800.462.5000.

View our business savings rates.

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What do you want out of life?

Empower Federal Credit Union welcomes employees of many companies, immediate family/household members of employees and retirees, as well as our outreach to underserved communities to enjoy personal and business banking solutions including auto loans, mortgages*, credit cards and more. Bank online, in any central NY branch, or call us at 315.477.2200.

* Home mortgages available in FL, PA, CT, NY, NC, SC and TN.

Empower Federal Credit Union rated 5-Stars by Bauer in 2023