After you complete your application, your lender will review the information you provided, access your credit, and let you know if your loan has been approved. Our personal loan can help you with things like paying down high interest credit cards, home improvements, and more.On the date indicated above the Applicant submits the following application to the Lender for the purpose of inducing the Lender. Empower Federal Credit Union in Central and Southern Tier NY offers a section of frequently asked questions for members. Apply Via Digital Banking. Log in and select Quick Apply to securely apply for a loan, deposit account, or credit card. Apply for loans online through our easy application. Central Bank offers personal and business banking solutions throughout Missouri, Kansas, Illinois, and Oklahoma with over 130 locations. Please contact us for more information regarding any of our services. Fill out the form below and a representative will get back to you.