• Secured by your Empower Savings account
  • Borrow up to 100% of your savings and paid dividends
  • Your account continues to earn dividends
  • Interest on loan is only 3% greater than the dividend rate you earn on the account
  • For the duration of the loan, your account balance must equal at least the outstanding loan balance and cannot be withdrawn
  • Secured by your Share Savings Certificate
  • Earns dividends while securing the loan
  • Borrow up to 100% of the certificate's principal and paid dividends
  • Interest on loan is only 3% above the certificate's rate
  • For the duration of the loan, your balance must equal at least the outstanding loan balance and cannot be withdrawn
  • Secured by your stock holdings
  • Make loan payments while maintaining your investments
  • Borrow up to 75% of the market price for any stock listed on the New York Stock Exchange (NYSE, NASDAQ/AMEX) and Pacific Stock Exchange, as published in the Wall Street Journal
  • Empower will also lend up to 75% of the bid price for over-the-counter stocks listed daily in the Wall Street Journal
  • Choose a monthly payment plan or a one-payment option with principal and interest due at maturity
  • Term depends on the amount financed
  • No loan fees or prepayment penalties
  • Certain restrictions apply