• $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 and NC.