Lock In Premium Rates While They Last
Earn Up to 4.00% APY with Share Certificates
Your money deserves more than minimal returns. Empower FCU’s share certificates help your savings grow with competitive rates.
Current Rates
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3-month certificate: 4.00% APY
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9-month certificate: 4.00% APY
Easy to Get Started
- Apply online: Simple and fast
- $500 minimum deposit
Why Choose Share Certificates?
- Proven Returns: While markets fluctuate, share certificates can offer predictable, worry-free growth.
- Flexible Returns: Choose from 3 months to 10 years based on your timeline and financial goals.
- Credit Union Advantage: We work for you, not for shareholders. Member-owned means great rates and peronsalized service.
- Federally Insured: NCUA protection gives you secuirty while your money grows.
Already a Member? 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 October 6, 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.