Household Emergency Loans

Household emergencies can strike without warning. Empower understands that funds may not be available at a moment’s notice. Some of these emergencies may include heating and air conditioning, plumbing, roofing, windows, damage from fire or water, medical expenses, car repairs and much more. Empower has competitive rates and potentially more affordable payments to help you through an emergency. We are here to listen and help with all your financial needs.

CLICK TO APPLY:
Existing Member | New Member


Credit Builder Loans

Whether you are a first-time borrower or just looking to build on your limited credit experience, Empower may be able to help! We offer small personal loans, with competitive rates and potentially more affordable payments, that may allow you to establish a positive payment history and build your credit score. Establishing and building positive credit will help with future loan applications, such as; applying for a credit card or purchasing a car or home.

CLICK TO APPLY:
Existing Member | New Member


Predatory Debt Refinance Loans

Have you fallen victim or been forced into high-interest loans or credit cards? Does it feel like you keep paying, but the balance hardly goes down? Empower FCU may be able to help refinance or consolidate these high interest loans into one low-rate, affordable, personal loan. Apply to refinance today!

CLICK TO APPLY:
Existing Member | New Member

Auto Center

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.