• 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  • For the duration of the loan, your account balance must equal at least the outstanding loan balance and cannot be withdrawn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  • For the duration of the loan, your balance must equal at least the outstanding loan balance and cannot be withdrawn

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.