• Competitive rate, and no fees for maintenance, transactions or cash advances
  • Accumulate points with Empower's Rewards Program and redeem your points through Online Banking
  • Monitor your account, make payments and view statements through Online Banking
  • Protected by EMV chip technology (see the FAQ tab for more information)
  • Access cash-advance services at Empower branches
  • Streamline online ordering using the MasterPass digital wallet service (see the FAQ tab for more information)

© 2014 Mastercard. All rights reserved. ® Mastercard, the Mastercard Brand Mark and Priceless are registered trademarks of Mastercard International Incorporated.

1Zero liability does not apply if the account is not in good standing or cardholder has not exercised reasonable care in safeguarding the card from theft or loss. See http://www.mastercard.us/zero-liability.html for more details. All third party trademarks shall belong to their respective owners.


Please note: All of the benefits listed on Mastercard's website may not apply to our cards. To get a full description of benefits, please visit the links below:

Mastercard Platinum Card Cardholder Benefits
Mastercard World Card Cardholder Benefits

Your Mastercard has an embedded microchip for a more secure transaction. Simply insert your card at checkout, when possible. If a chip-friendly reader is not available, you can swipe your card as you always have.

Q: What are chip cards?

A: The chip contains your card number, name, and other account information. There is no other personal information stored on the chip. Due to security in the chip, every transaction you make is unique, which makes it extremely difficult for the card to be copied or counterfeited. Your chip card will also have the usual magnetic stripe on the back so that you can continue using your card while merchants are transitioning to new chip card terminals.

Q: What are the benefits of chip technology?

A: The embedded microchip provides dynamic transaction security features and other capabilities not possible with traditional magnetic stripe cards. A chip card is extremely difficult to counterfeit.

Chip card inserted into card reader

Q: Why is my card being upgraded to a chip card?

A: Chip technology is already used in other countries and now coming to the U.S. Your new chip card provides an extra level of security and is easier to use at international locations.

Q: How is this card different from a magnetic stripe card?

A: A chip card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe on the back of the card. Rather than swiping your card, you will insert your chip card into the card terminal to complete the transaction. Once inserted, do not remove the card until the transaction is complete.

Q: How does chip technology work?

A: Every transaction with a chip card has unique data in it. Chip transactions are dynamic, not static like magnetic stripe cards. That is why if someone were able to intercept one of your chip transactions they would not be able to use that information again. This stops fraudsters from being able to create counterfeit chip cards.

Q: Are chip cards new?

A: Although chip cards are relatively new in the U.S., they have been used elsewhere for many years. In some countries, particularly in Europe, merchants may be more familiar with accepting chip cards.

Q: Where can I use my chip card?

A: Use your chip card at the exact same merchants you do now—by inserting the card into card terminals that are chip-enabled or swiping your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also continue to use your card as you did before for online payments, telephone payments, and at ATMs.

Masterpass For Android

Android users with an Empower Mastercard may download the Masterpass app from the Google Play Store. After downloading the app, contact us at 1.800.462.5000 to activate the service. Once activated, you can use this easy payment option anywhere these symbols are displayed:



Device must be NFC* enabled.

*NFC (Near Field Communication) allows an enabled device to communicate with another device in close proximity, such as a smartphone and a check out terminal, when both have the same capability available.
 

Masterpass Online

Link to Masterpass
 

Click Here to Access Masterpass Online


Empower Masterpass™ by Empower Federal Credit Union® is a free service that makes online shopping safe and easy by storing all of your payment and shipping information in one convenient and secure place. With Empower Masterpass™, you simply shop, click and checkout faster online.

It's Convenient. Store your favorite cards and shipping addresses in your Empower Masterpass™. Then, when checking out online, just sign in and let Empower Masterpass™ do the rest. The merchant gets the information they need, and you get to skip reentering all of your payment data.

It's Safe. Shop with confidence online at any store - large or small - that displays the Buy with Masterpass button. The multi-tiered security built in to Masterpass makes it as safe as it is convenient.

When you receive your card, activation is simple:

  • From your primary phone number for your Empower account, call 866.642.0450.
  • Follow the prompts to activate your card and set up your PIN.

Once completed, you are now ready to begin using your Empower Mastercard.


Cash Advance Options

Empower Federal Credit Union branches will now be offering Cash Advance services for all Mastercard®, Visa®, and Discover® cards.