Get more out of every dollar you save
Earn with a Share Certificate that fits your goals. Available in flexible terms from 3–18 months with 4.00% APY*.
Easy to Get Started
- Apply online: Simple and fast
- $500 minimum deposit
Why a Share Certificate?
- Predictable Returns: Lock in a fixed rate for the full term - no surprises while your savings grow.
- Flexible Term Options: Choose a timeline that fits your plan, from shorter to longer-term certificates.
- Credit Union Advantage: As a not-for-profit credit union, we prioritize strong member value and personalized service.
- Federally Insured: Your deposits are insured by NCUA, so your money is protected.
Already a Member? Apply to Open Your Share Certificate Online!
It’s easy to get started - just sign into Online Banking.
Using the Mobile App?
1. Log in to the Empower FCU mobile app.
2. Tap “More” in the bottom navigation.
3. Select “Open a New Account”.
4. Select "Open New Account | Apply for Consumer Loan".
5. Choose "New Deposit Account".
6. Choose “Certificate Account” from the Available Products dropdown and follow the prompts.
Using a Desktop Browser?
1. Log in to Online Banking at empowerfcu.com.
2. Navigate to "Open New Account".
3. Select "Open New Account | Apply for Consumer Loan".
4. Choose "New Deposit Account".
5. Select “Certificate Account” under Available Products and follow the prompts.
*
Insured by NCUA. Membership eligibility required. APY = Annual Percentage Yield*. Accurate as of December 12, 2025. APY is subject to change without notice. Requires a minimum deposit of $500 for rate to be applicable. Fees can reduce earnings on the account. Early withdrawal penalty may apply. Promotion subject to change/cancellation without notice. Limited time offer. Additional rate incentives not available with this promotion.