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More ways to say YES

Become a Member >
Just one word can unlock new opportunities and extraordinary experiences. This simple expression is the key to turning your dreams into reality. So whether you’re applying for a loan, seeking financial advice, or looking for a safe place to save your money, we want to help. Although we can’t always say it, rest assured – we’ll do everything we can to say “YES” to you. 

Borrowing made easy.

From consolidating debt to funding a major purchase, we can help you turn “what if” into “why not.” 
Mortgage Loan
Who says you’ll never own a home? We offer a wide variety of loan types to match every housing style – and every budget. 
 

  • Competitive rates and low down payments 

  • Loan terms up to 30 years 

Auto Loans

Hit the road, not your bank account with a loan that comes with a great rate and even better terms.  
 

  • Ideal for purchasing a vehicle or refinancing 

  • For new or used vehicles 

Home Equity Loan

There’s money in your home – and we’re not talking about the change stuffed between your couch cushions. 
 

  • Competitive rates and APRs 

  • No closing costs 

Mortgage >
APR rates as low as
5.750%
Auto >
APR rates as low as
5.99%
HELOC >
APR rates as low as
7.25%

Say “Yes” to savings.

Whether you’re saving for a rainy day or investing in a brighter future, we can do more than help you get ahead. We’ll help you stay ahead. 
Savings

Open an account for as little as $1 and take the first step toward reaching your goals.  
 

  • Earn competitive dividends 

  • Set aside money for emergencies, purchases, and more 

Checking

Manage your money around the clock using our cutting-edge online tools and mobile app, all without any monthly fees. 
 

  • No minimum balance requirements  

  • No ATM fees at our machines  

Share Certificates

Enjoy a higher dividend rate than what’s offered by most traditional savings accounts. 
 

  • $500 minimum to open certificate 

  • Share Certificate terms range from 3 months to 10 years 

Membership has its benefits.
At Empower FCU, we love finding ways to say “yes” to personalized banking services, competitive interest rates and our community.
Become a Member
Empowering you to make the best financial decisions. 
Explore valuable tools and education to support your unique financial journey.  
Financial Calculators
Run the numbers to figure out payments. 
Calculators
Security & Fraud Center
Protect your personal info & prevent fraud. 
Security & Fraud
Online Resources
Information you need to make the right financial moves. 
Resources
Community Support
See our volunteer efforts, donations and event sponsorships. 
Learn More
*

Checking - Empower does not own Allpoint ATMs. For surcharge-free transactions, you must use your Empower Debit Card at Allpoint ATMs

Mortgage - All loans subject to approval. Rates, terms, and conditions subject to change.

Home Equity - APR = Annual Percentage Rate. Annual Percentage Rate may vary. Subject to membership eligibility and creditworthiness. Consult a tax advisor regarding the deductibility of interest. Property Insurance is required. Home Equity Loan must remain open for at least 36 months or the member may be obligated to pay back any and all closing costs.

Share Certificate - *Once the certificate holder turns 18 years, the Wealth Builder Certificate will be converted to a standard Share Certificate. The conversion will not occur until the maturity date following the member's 18th birthday.