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.


Abusive Member Policy
Consumer Membership & Account Agreement
Denial of Services
ePhone User Guide
Mobile Deposit Capture Disclosure and Agreement
Online Bill Pay Disclosure and Authorization
Proprietary Statement 
Reconciliation - Billing Rights Summary
Truth in Savings (Membership Share Savings) 
Website/Online Banking 
Your Insured Funds

Business Accounts

Business Membership & Account Agreement

Fee Schedules

Business Fee Schedule
Consumer Fee Schedule


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


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.

Empower Federal Credit Union rated 5-Stars by Bauer in 2023