Membership
We look forward to welcoming you to our financial family.
It's easy to list the benefits of joining Empower Federal Credit Union. You (or your business) may profit from lower loan rates, higher dividends on deposit accounts, first-class investing and insurance services, cutting-edge Online and Mobile Banking tools, and financial education resources that can help you make better decisions with your money. So the answer to, "Should you join?" is a resounding "yes." Can you join? Here are the eligibility requirements for becoming an Empower member.
Eligibility Requirements
- Be employed by or retired from any of our Member Companies
- Be an immediate relative or share a household with a current Empower member; this includes spouses, children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships
- Live, work, worship, or attend school in an area included in one of Empower's neighbor areas: City of Binghamton, City of Buffalo, City of Elmira Designated (except census tract #5, West Elmira, and Big Flats), City of Syracuse, City of Utica, designated areas of Liverpool, Montgomery County, Nedrow, Oswego County, Town of Cheektowaga, Town of Geddes, Town of Union, Village of Elmira Heights, Village of Horseheads, Village of New York Mills
- Eligibility restrictions apply based on National Credit Union Administration guidelines as stated in the Empower Federal Credit Union Charter
The Next Step
- Once you determine that you are eligible for membership, open a Share Savings account with a $1 minimum deposit.
- Once you're an Empower FCU member, you're always a member, even if you move away.
American Consumer Council Membership
Our goal is to provide you with the services and resources you need to help you reach your goals. That’s why we partner with the American Consumer Council (ACC), a non-profit membership organization dedicated to consumer education, advocacy, and financial literacy.
This partnership enables us to connect you to key educational resources from ACC to empower your financial planning. At no cost to you.
Each applicant must have their own Primary* Membership Share Savings with a $1 minimum deposit. You may opt to add one owner to the account at time of application or add more joint owners at a branch at a later date.
Example: John and Jane want to open a joint account. Each must establish their own primary membership share savings account. Once primary membership is established, a joint owner may be added at time of application.
*Primary = Name listed first on account and must meet eligibility requirements.
Example: John and Jane want to open a joint account. Each must establish their own primary membership share savings account. Once primary membership is established, a joint owner may be added at time of application.
*Primary = Name listed first on account and must meet eligibility requirements.
Empower Federal Credit Union is a full-service financial institution serving members throughout New York State.
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