Our First Time Home Buyer Program offers:
  • Low down payment required
  • Gifts, grants and other approved funding sources may be used for closing costs
To learn more about the First Home Clubsm, and the $7,500 grant*, watch the video below or visit the First Home Clubsm website.


*Members must meet qualification requirements and be a first-time home buyer.
The First Home Clubsm provides down payment and closing cost assistance by granting $4 in matching funds for each $1 saved in a dedicated account (up to $7,500 in matching funds) to an eligible first-time homebuyer. The grant is a Federal Home Loan Bank of NY program.Membership eligibility required. Loan approval based on creditworthiness. NMLS #412348‚Äč


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.