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Share Savings Certificates

Empower's Share Savings Certificates enable you to grow your money at higher rates when choosing longer terms. These certificates are smart additions to your savings portfolio when you're able to set aside funds that you won't need to access for several months or years. Empower offers two options, based on members' ages.

Call us today or visit your local branch to get more account opening options.

  • $500 minimum to open the certificate
  • Dividends are tiered by balance, compounded daily and posted monthly
  • Terms range from 3 months to 10 years
  • Penalties apply for early withdrawal

  • Available for members up to 18 years of age*
  • $100 minimum deposit to open the certificate
  • Dividends are tiered by balance, compounded daily and posted monthly
  • Choose 1- or 2-year terms
  • Additional deposits allowed ($50 minimum)
  • Penalties apply for early withdrawal
*Once the primary member turns 18 years of age, the Wealth Builder Certificate will be converted to our standard Share Certificate. The conversion will not occur until the maturity date following the primary member's 18th birthday.

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