Mortgage Options for Purchasing

  • Fixed or adjustable rates
  • Low down payment
  • Gifts, grants and other approved funding sources may be used for closing costs
  • 1-4 family homes both owner occupied and investment home
  • Manufactured homes including double wide and modular homes

Construction Loans

Your dream home, our help! Get started here

First Time Homebuyers

Empower Your Future. Learn more here

Jumbo Mortgage Loans

Dream Even Bigger! Learn more here

Mortgage Options for Refinancing

  • Fixed or adjustable rates
  • Cash out refinancing

Veteran Advantage Mortgages

Empower is excited to be able to offer our country's heroes a more affordable home-buying experience.  Get started here

All loans subject to approval. Rates, terms, and conditions subject to change. 
NMLS #412348


Mortgage Tools

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