We're driven to keep your monthly payments as low as possible.
Our innovative DrivingSense program keeps financing costs under control. Part of the equation is lower auto loan rates that help reduce your overall interest payments.

New/Auto Motorcycle

New = current or next model year, or prior year untitled and unregistered with no miles (through March 2023). Some restrictions apply. 
Effective Date: September 22, 2023
Terms APR*
up to 36 mo6.24%
37-48 mo6.49%
49-66 mo6.74%
67-75 mo6.99%
76-84 mo7.49%
Loan Payment Example: A $30,000 loan at 6.74% APR would have 66 monthly payments of $541.78 each month.

Used Auto/Motorcycle

Used = 2017 & newer, or previously titled and registered. Some restrictions apply.
Effective Date: September 22, 2023
Terms APR*
up to 36 mo6.74%
37-48 mo6.99%
49-66 mo7.24%
67-75 mo7.49%
76-84 mo7.99%
Loan Payment Example: A $30,000 loan at 7.24% APR would have 66 monthly payments of $548.90 each month.

New Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs)

New = current or next model year, or prior year untitled and unregistered with no miles (through March 2023). Some restrictions apply.
Effective Date: September 22, 2023
Terms APR*
up to 36 mo7.24%
37-48 mo7.74%
49-66 mo7.99%
67-75 mo8.74%
76-84 mo8.99%
85-144 mo10.99%
145-180 mo11.74%
Loan Payment Example: A $30,000 loan at 7.99% APR would have 66 monthly payments of $559.68 each month.

Used Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs)

Used = 2017 & newer, or previously titled and registered. Some restrictions apply.
Effective Date: September 22, 2023
Terms APR*
up to 36 mo7.74%
37-48 mo8.24%
49-66 mo8.49%
67-75 mo9.24%
76-84 mo9.49%
85-144 mo11.49%
145-180 mo12.24%
Loan Payment Example: A $30,000 loan at 8.49% APR would have 66 monthly payments of $566.93 each month.

Older Auto & Recreational Loans (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs)

Older = 2014-2016
Effective Date: September 22, 2023
Terms APR*
up to 36 mo7.74%
37-48 mo8.24%
49-66 mo8.49%
Loan Payment Example: A $30,000 loan at 8.49% APR would have 66 monthly payments of $566.93 each month.

New Electric Vehicle/Motorcycle²

New = current or next model year, or prior year untitled and unregistered with no miles (through March 2023). Some restrictions apply.
Effective Date: September 22, 2023
Terms APR*
up to 36 mo5.74%
37-48 mo5.99%
49-66 mo6.24%
67-75 mo6.49%
76-84 mo6.99%
Loan Payment Example: A $30,000 loan at 6.24% APR would have 66 monthly payments of $534.72 each month.  

Used Electric Vehicle/Motorcycle²

Used = 2017 & newer, or previously titled and registered. Some restrictions apply.
Effective Date: September 22, 2023
Terms APR*
up to 36 mo6.24%
37-48 mo6.49%
49-66 mo6.74%
67-75 mo6.99%
76-84 mo7.49%
Loan Payment Example: A $30,000 loan at 6.74% APR would have 66 monthly payments of $541.78 each month.  

New & Used Electric Bicycles²

Effective Date: May 31, 2023
Term APR*
up to 24 mo6.99%
25-36 mo7.49%
37-48 mo8.24%
49-60 mo8.49%
Loan Payment Example: A $2,500 loan at 6.99% APR would have 24 monthly payments of $111.95 each month.
Empower Federal Credit Union is a full-service financial institution serving members throughout New York State.
2To receive advertised rate, member must disclose intention to purchase electric vehicle at time of loan application. Rates published on website include discount of 0.50% APR off new vehicle or used vehicle rates and personal loan rates.