0% intro APR first six months! Regularly 8.00% APR

With an Empower Home Equity Line of Credit, you can capitalize on the equity that’s grown in your home to pay for something on your family’s wish list. Apply today to receive a 0% introductory APR for the first 6 months*
  • Consolidate debt
  • Make home improvements
  • Pay for a vacation or major purchase
  • Pay college tuition
  • Keep a nest egg for emergencies
with no closing costs.**
An Empower Loan Specialist can review your needs and guide you through your loan options.


With an Empower Fixed Home Equity Loan, you can make the most out of your home’s equity with a fixed interest rate and more time to repay, so you can budget ahead.

Learn More about Home Equity Options

Insured by NCUA. NMLS: 412348

*APR = Annual Percentage Rate. Membership eligibility required. Loan approval based on certain credit criteria. Rates, terms, and conditions subject to change. Finance charges, if elected, could include Life and Disability Insurance, at a rate ranging from $0.54/$1,000 of the loan balance to $2.97/$1,000 of the loan balance. This insurance is voluntary and not a loan requirement. After 6-month introductory period, HELOC returns to contracted APR. As of 5/4/2023, the HELOC APR is dependent on creditworthiness and would range from 8.00% to 17.99%. Refinancing of current home equity (Fixed or HELOC) loans are only eligible if approved for at least a 20% increase on the original limit or loan amount being refinanced. Consult a tax advisor regarding the deductibility of interest. Property Insurance is required. **Fixed Home Equity & Home Equity Line of Credit must remain open for at least 36 months, or the member may be obligated to pay back any and all closing costs, which could range from $115 to $500.

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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  Best Companies to work for New York 2023 Logo2023 Winner of Best Companies to Work for in New York State