Until further notice, Empower FCU members are allowed to make unlimited transactions from their savings account.
On Friday, April 24, 2020 the Federal Reserve System announced an interim final rule which allows Empower FCU to suspend the enforcement of the six transaction limit normally imposed for savings accounts and allows members to make an unlimited number of transactions from their savings accounts. Empower FCU’s suspension is made in accordance with the interim final rule and is subject to any revision the Federal Reserve System may subsequently make.

Accounts/Online

Abusive Member Policy
Courtesy Pay Disclosure
Denial of Services
Electronic Funds Transfer
ePhone User Guide
Funds Availability Policy
Membership Agreement
Mobile Deposit Capture Disclosure and Agreement
Online Bill Pay Disclosure and Authorization
Privacy Notice
Proprietary Statement 
Reconciliation - Billing Rights Summary
Truth In Savings: Share Accounts
Truth In Savings: Share Certificates
USA PATRIOT Act
Website/Online Banking 
Your Insured Funds

Business Accounts

Business Membership and Account Agreement

Mastercard

Credit Card Account Agreement
Credit Card Rewards
Lost Stolen Cards
Mastercard Platinum Card Cardholder Benefits
Mastercard World Card Cardholder Benefits

Fee Schedules

Business Account Fee Schedule
Fee Schedule

Loans

Consumer Open End Loan Agreement
Home Equity Line of Credit Disclosure

 

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.