Budget-friendly rates help you save money on your Mastercard purchases.
Our Mastercard credit cards offer consumers an incredible convenience. But we don't believe you should pay a sky-high price for that. We keep our credit card rates competitive so you pay less in interest charges and have more money for everything you need.

Mastercard Rates

Effective Date: August 14, 2023
Index (Prime Rate) Margin Current APR* Maximum APR
8.50%+5.24% to 14.49%13.74% to 17.99%17.99%
Empower Federal Credit Union is a full-service financial institution serving members throughout New York State.
Log into online banking to apply for an Empower loan online. The interest rate shown is 'as low as'. Your Annual Percentage Rate (APR) for the Mastercard credit card may vary from the stated APR, based upon creditworthiness.
All loans subject to approval. Rates, terms, and conditions subject to change.