Empower Personal Loans are intended for any purpose that may enhance our members’ lives. There are times in our lives when we have expected or unexpected expenses and Empower may be able to help make life easier. Whether you need to finance healthcare needs, home improvements, a wedding, consolidate higher rate loans/Credit Cards or even a vacation, we offer options that may suit your needs. By applying for a personal loan with Empower, we may be able to save you a substantial amount of interest over the life of the loan compared to credit cards or other financing options.


  • Competitive rates

  • Flexible terms

  • Low-cost credit life and disability insurance available

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

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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