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Empower Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 31, 2026
Empower Federal Credit Union's CD - 6 month rates are at 5.00%, CD - 18 Month rates are at 4.50%, 12 Month CD rates are at 4.00%, CD - 12 Month rates are at 4.00%, CD - 15 Month rates are at 4.00%. Empower Federal Credit Union's savings rates are at 1.15%. Empower Federal Credit Union's money market rates are at 2.35%. Empower Federal Credit Union's 10 Year Fixed rates are at 6.25%, 10/1 Year Adjustable Rate Mortgage (ARM) rates are at 6.50%, 15 Year Fixed rates are at 6.50%, 20 Year Fixed rates are at 6.62%, 30 Year Fixed rates are at 7.00%. Empower Federal Credit Union's Personal Loan Rates are as low as 9.49%. Empower Federal Credit Union's Credit Card Rates are at 12.24%. Empower Federal Credit Union's CD rates are 43% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Empower Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.78%. Rates last updated and verified on 10/31/2026.
Empower Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Empower Federal Credit Union? Share your experience about Empower Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Empower Federal Credit Union.
Empower Federal Credit Union has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Empower Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
7.78%
ExcellentHigher than avg
Empower Federal Credit Union Texas Ratio
Empower Federal Credit Union's Texas Ratio is 7.78%, which is considered excellent and is higher than the national average of 6.13%.
Empower Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.50% to 7.78% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Empower Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
Share Certificate - 6 month
4.88%
5.00%
6 months
Min Balance$500
DetailsTier 1; Balance: $500-$2,499.99; Effective Date: October 01, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 6 month
4.88%
5.00%
6 months
Min Balance$2,500
DetailsTier 2; Balance: $2,500-$4,999.99; Effective Date: October 01, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 6 month
4.88%
5.00%
6 months
Min Balance$5,000
DetailsTier 3; Balance: $5,000-$9,999.99; Effective Date: October 01, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 6 month
4.88%
5.00%
6 months
Min Balance$10,000
DetailsTier 4; Balance: $10,000-$24,999.99; Effective Date: October 01, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 6 month
4.88%
5.00%
6 months
Min Balance$25,000
DetailsTier 5; Balance: $25,000-$49,999.99; Effective Date: October 01, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 6 month
4.88%
5.00%
6 months
Min Balance$50,000
DetailsTier 6; Balance: $50,000-$99,999.99; Effective Date: October 01, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.00% APY · checked 3 times
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 4 Year
3.44%
3.50%
4 year
Min Balance$500
DetailsTier 1; Balance: $500-$2,499.99
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 4 Year
3.44%
3.50%
4 year
Min Balance$2,500
DetailsTier 2; Balance: $2,500-$4,999.99
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 4 Year
3.44%
3.50%
4 year
Min Balance$5,000
DetailsTier 3; Balance: $5,000-$9,999.99
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 4 Year
3.44%
3.50%
4 year
Min Balance$10,000
DetailsTier 4; Balance: $10,000-$24,999.99
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 4 Year
3.44%
3.50%
4 year
Min Balance$25,000
DetailsTier 5; Balance: $25,000-$49,999.99
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 4 Year
3.44%
3.50%
4 year
Min Balance$50,000
DetailsTier 6; Balance: $50,000-$99,999.99
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 4 Year
3.44%
3.50%
4 year
Min Balance$100,000
DetailsTier 7; Balance: $100,000 & higher
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 5 Year
3.44%
3.50%
5 year
Min Balance$500
DetailsBalance: $500-$2,499.99; Tier 1
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 5 Year
3.44%
3.50%
5 year
Min Balance$2,500
DetailsBalance: $2,500-$4,999.99; Tier 2
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 5 Year
3.44%
3.50%
5 year
Min Balance$5,000
DetailsBalance: $5,000-$9,999.99; Tier 3
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 5 Year
3.44%
3.50%
5 year
Min Balance$10,000
DetailsBalance: $10,000-$24,999.99; Tier 4
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 5 Year
3.44%
3.50%
5 year
Min Balance$25,000
DetailsBalance: $25,000-$49,999.99; Tier 5
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 5 Year
3.44%
3.50%
5 year
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99; Tier 6
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Share Certificate - 5 Year
3.44%
3.50%
5 year
Min Balance$100,000
DetailsBalance: $100,000 & higher; Tier 7
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Empower Federal Credit Union Savings Rates
Product
Rate
APY
View More
Health Savings Accounts
1.15%
1.15%
Min Balance$10,000
DetailsBalance: $10,000 and above; Tier 4; Effective Date: April 11, 2023
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 1.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Health Savings Accounts
1.10%
1.10%
Min Balance$5,000
DetailsBalance: $5,000-$9,999.99; Tier 3; Effective Date: April 11, 2023
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 1.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Health Savings Accounts
1.05%
1.05%
Min Balance$2,500
DetailsBalance: $2,500-$4,999.99; Tier 2; Effective Date: April 11, 2023
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 1.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Health Savings Accounts
1.00%
1.00%
Min Balance$0
DetailsBalance: $0-$2,499.99; Tier 1; Effective Date: April 11, 2023
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 1.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Empower Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Premium Money Market & Premium Money Market IRA
2.32%
2.35%
Min Balance$250,000
DetailsBalance: $250,000 and up; Effective Date: October 01, 2026; Tier 6
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 2.35% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Premium Money Market & Premium Money Market IRA
2.23%
2.25%
Min Balance$100,000
DetailsBalance: $100,000-$249,999.99; Effective Date: October 01, 2026; Tier 5
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 2.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Premium Money Market & Premium Money Market IRA
1.34%
1.35%
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99; Effective Date: October 01, 2026; Tier 4
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 1.35% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Premium Money Market & Premium Money Market IRA
1.24%
1.25%
Min Balance$25,000
DetailsBalance: $25,000-$49,999.99; Effective Date: October 01, 2026; Tier 3
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 1.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Premium Money Market & Premium Money Market IRA
1.15%
1.15%
Min Balance$10,000
DetailsBalance: $10,000-$24,999.99; Effective Date: October 01, 2026; Tier 2
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 1.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Premium Money Market & Premium Money Market IRA
1.05%
1.05%
Min Balance$2,500
DetailsBalance: $2,500-$9,999.99; Effective Date: October 01, 2026; Tier 1
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 1.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Empower Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
10 Year Fixed
6.25%
-
6.585%
DetailsPayment example: $1,123; Based on $100,000 loan, 40% down, credit score 740+, single-family home; Effective October 27, 2026
Last Updated10/31/2026
Rate History
1 change since Oct 22, 2026 · 6.58% → 6.59% ▲ 0.00 pts · high 6.59% / low 6.58%
Oct 31, 20266.59%▲ from 6.58%
Oct 22, 20266.58%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
10/1 Year Adjustable Rate Mortgage (ARM)
6.50%
-
6.729%
DetailsPayment example: $632; ARM index: U.S. one-year Constant Maturity Treasury (CMT), margin 2.25%; 10 year ARMs offered for 30 year terms; APR may increase after closing; Effective October 27, 2026
Last Updated10/31/2026
Rate History
1 change since Oct 22, 2026 · 6.81% → 6.73% ▼ 0.08 pts · high 6.81% / low 6.73%
Oct 31, 20266.73%▼ from 6.81%
Oct 22, 20266.81%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
15 Year Fixed
6.50%
-
6.739%
DetailsPayment example: $871; Based on $100,000 loan, 40% down, credit score 740+, single-family home; Effective October 27, 2026
Last Updated10/31/2026
Rate History
1 change since Oct 22, 2026 · 6.87% → 6.74% ▼ 0.13 pts · high 6.87% / low 6.74%
Oct 31, 20266.74%▼ from 6.87%
Oct 22, 20266.87%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
20 Year Fixed
6.625%
-
6.817%
DetailsPayment example: $753; Based on $100,000 loan, 40% down, credit score 740+, single-family home; Effective October 27, 2026
Last Updated10/31/2026
Rate History
1 change since Oct 22, 2026 · 6.94% → 6.82% ▼ 0.13 pts · high 6.94% / low 6.82%
Oct 31, 20266.82%▼ from 6.94%
Oct 22, 20266.94%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
30 Year Fixed
7.00%
-
7.15%
DetailsPayment example: $665; Based on $100,000 loan, 40% down, credit score 740+, single-family home; Effective October 27, 2026
Last Updated10/31/2026
Rate History
1 change since Oct 22, 2026 · 7.28% → 7.15% ▼ 0.13 pts · high 7.28% / low 7.15%
Oct 31, 20267.15%▼ from 7.28%
Oct 22, 20267.28%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Empower Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan
6.24%
-
6.25%
60 months
DetailsEffective Date: October 01, 2026; Based on $50,000 loan, 80% or lower loan to value, credit score 730 or higher; Payment example: $972.23
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 6.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Home Equity Loan
6.74%
-
6.75%
120 months
DetailsEffective Date: October 01, 2026; Based on $50,000 loan, 80% or lower loan to value, credit score 730 or higher; Payment example: $573.86
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 6.75% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Home Equity HELOC
-
-
7.00%
DetailsAs Low As; Current Rates; APR rates as low as 7.00%
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 7.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Home Equity Line of Credit
-
-
7.00%
DetailsAs Low As; Index (Prime Rate): 7.00%; Margin: 0.00%; Maximum APR: 17.99%; Effective Date: September 17, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 7.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Home Equity Loan
7.24%
-
7.25%
180 months
DetailsEffective Date: October 01, 2026; Based on $50,000 loan, 80% or lower loan to value, credit score 730 or higher; Payment example: $456.15
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 7.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Empower Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Electric Vehicle/Motorcycle - up to 36 mo Loan
-
-
4.99%
up to 36 months
DetailsAs Low As; Effective Date: July 31, 2026; New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Some restrictions apply; To receive advertised rate, member must disclose intention to purchase electric vehicle at time of loan application; Rates include 0.50% APR discount
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 4.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New Electric Vehicle/Motorcycle - 37-48 mo Loan
-
-
5.24%
37-48 months
DetailsAs Low As; Effective Date: July 31, 2026; New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Some restrictions apply; To receive advertised rate, member must disclose intention to purchase electric vehicle at time of loan application; Rates include 0.50% APR discount
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Electric Vehicle/Motorcycle Loan
-
-
5.24%
up to 36 months
DetailsAs Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026; Member must disclose intention to purchase electric vehicle at time of loan application
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New Auto/Motorcycle
-
-
5.49%
DetailsAs Low As; APR rates as low as; Current Rates
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New Electric Vehicle/Motorcycle - 49-66 mo Loan
-
-
5.49%
49-66 months
DetailsAs Low As; Effective Date: July 31, 2026; New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Some restrictions apply; To receive advertised rate, member must disclose intention to purchase electric vehicle at time of loan application; Rates include 0.50% APR discount
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New/Auto Motorcycle
-
-
5.49%
up to 36 months
DetailsAs Low As; New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Some restrictions apply; Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Electric Vehicle/Motorcycle Loan
-
-
5.49%
37-48 months
DetailsAs Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026; Member must disclose intention to purchase electric vehicle at time of loan application
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New Electric Vehicle/Motorcycle - 67-75 mo Loan
-
-
5.74%
67-75 months
DetailsAs Low As; Effective Date: July 31, 2026; New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Some restrictions apply; To receive advertised rate, member must disclose intention to purchase electric vehicle at time of loan application; Rates include 0.50% APR discount
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New/Auto Motorcycle
-
-
5.74%
37-48 months
DetailsAs Low As; New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Some restrictions apply; Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Auto/Motorcycle
-
-
5.74%
up to 36 months
DetailsAs Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Electric Vehicle/Motorcycle Loan
-
-
5.74%
49-66 months
DetailsAs Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026; Member must disclose intention to purchase electric vehicle at time of loan application
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New/Auto Motorcycle
-
-
5.99%
49-66 months
DetailsAs Low As; New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Some restrictions apply; Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Auto/Motorcycle
-
-
5.99%
37-48 months
DetailsAs Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Electric Vehicle/Motorcycle Loan
-
-
5.99%
67-75 months
DetailsAs Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026; Member must disclose intention to purchase electric vehicle at time of loan application
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 5.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New Electric Vehicle/Motorcycle - 76-84 mo Loan
-
-
6.24%
76-84 months
DetailsAs Low As; Effective Date: July 31, 2026; New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Some restrictions apply; To receive advertised rate, member must disclose intention to purchase electric vehicle at time of loan application; Rates include 0.50% APR discount
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 6.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New/Auto Motorcycle
-
-
6.24%
67-75 months
DetailsAs Low As; New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Some restrictions apply; Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 6.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Auto/Motorcycle
-
-
6.24%
49-66 months
DetailsAs Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 6.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Auto/Motorcycle
-
-
6.49%
67-75 months
DetailsAs Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 6.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Electric Vehicle/Motorcycle Loan
-
-
6.49%
76-84 months
DetailsAs Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026; Member must disclose intention to purchase electric vehicle at time of loan application
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 6.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New/Auto Motorcycle
-
-
6.74%
76-84 months
DetailsAs Low As; New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Some restrictions apply; Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 6.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Auto/Motorcycle
-
-
6.99%
76-84 months
DetailsAs Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 6.99% APR · checked 3 times
DetailsOlder = 2017-2019; Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 9.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Empower Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs) Loan
-
7.99%
up to 36 months
DetailsNew = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 7.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New Recreational Loan
-
7.99%
DetailsAPR rates as low as; Current Rates
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 7.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs) Loan
-
8.49%
37-48 months
DetailsNew = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 8.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs) Loan
-
8.74%
49-66 months
DetailsNew = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 8.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs) Loan
-
8.74%
up to 36 months
DetailsUsed = 2020 & newer, or previously titled and registered. Some restrictions apply. Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 8.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Recreational Loan
-
8.74%
DetailsAPR rates as low as; Current Rates
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 8.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs) Loan
-
9.24%
37-48 months
DetailsUsed = 2020 & newer, or previously titled and registered. Some restrictions apply. Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 9.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs) Loan
-
9.49%
67-75 months
DetailsNew = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 9.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs) Loan
-
9.49%
49-66 months
DetailsUsed = 2020 & newer, or previously titled and registered. Some restrictions apply. Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 9.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs) Loan
-
9.74%
76-84 months
DetailsNew = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 9.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs) Loan
-
10.24%
67-75 months
DetailsUsed = 2020 & newer, or previously titled and registered. Some restrictions apply. Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 10.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs) Loan
-
10.49%
76-84 months
DetailsUsed = 2020 & newer, or previously titled and registered. Some restrictions apply. Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 10.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs) Loan
-
11.74%
85-144 months
DetailsNew = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 11.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs) Loan
-
12.49%
145-180 months
DetailsNew = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 12.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs) Loan
-
12.49%
85-144 months
DetailsUsed = 2020 & newer, or previously titled and registered. Some restrictions apply. Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 12.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Used Recreational (Boats, Travel Trailers, RVs, Snowmobiles, Dirt Bikes/ATVs) Loan
-
13.24%
145-180 months
DetailsUsed = 2020 & newer, or previously titled and registered. Some restrictions apply. Effective Date: July 31, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 13.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Empower Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Mastercard Credit Card
-
12.24%
DetailsAs Low As; Current APR range: 12.24% to 17.99%; Maximum APR: 17.99%; Index (Prime Rate): 7.00%; Margin: +5.24% to 14.49%; Effective Date: September 17, 2026
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 12.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Empower Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan - up to 24 mo
9.49%
up to 24 months
DetailsEffective Date: July 31, 2026; APR* column
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 9.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Personal Loans
9.49%
DetailsAs Low As; Current Rates; APR rates as low as 9.49%
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 9.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Personal Loan - 25-36 mo
9.99%
25-36 months
DetailsEffective Date: July 31, 2026; APR* column
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 9.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Personal Loan - 37-48 mo
10.74%
37-48 months
DetailsEffective Date: July 31, 2026; APR* column
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 10.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Personal Loan - 49-60 mo
10.99%
49-60 months
DetailsEffective Date: July 31, 2026; APR* column
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 10.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Empower Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
25 Year Fixed
6.875%
-
7.041%
DetailsPayment example: $699; Based on $100,000 loan, 40% down, credit score 740+, single-family home; Effective October 27, 2026
Last Updated10/31/2026
Rate History
1 change since Oct 22, 2026 · 7.17% → 7.04% ▼ 0.13 pts · high 7.17% / low 7.04%
Oct 31, 20267.04%▼ from 7.17%
Oct 22, 20267.17%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New & Used Electric Bicycles Loan
-
-
7.49%
up to 36 months
DetailsEffective Date: May 01, 2024; Member must disclose intention to purchase electric vehicle at time of loan application; Rates include 0.50% APR discount
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 7.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New & Used Electric Bicycles Loan
-
-
7.99%
37-48 months
DetailsEffective Date: May 01, 2024; Member must disclose intention to purchase electric vehicle at time of loan application; Rates include 0.50% APR discount
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 7.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New & Used Electric Bicycles Loan
-
-
8.74%
49-66 months
DetailsEffective Date: May 01, 2024; Member must disclose intention to purchase electric vehicle at time of loan application; Rates include 0.50% APR discount
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 8.74% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
New & Used Electric Bicycles Loan
-
-
8.99%
67-75 months
DetailsEffective Date: May 01, 2024; Member must disclose intention to purchase electric vehicle at time of loan application; Rates include 0.50% APR discount
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 8.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Variable Rate Line of Credit
-
-
17.00%
DetailsIndex (Prime Rate) 7.00%; Margin +10.00%; Maximum APR 17.99%; Effective Date: September 17, 2026; Variable rate: lesser of current APR (index plus margin) or maximum APR
Last Updated10/31/2026
Rate History
No change since Oct 22, 2026 · 17.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.78%
Financial Health History
Empower Federal Credit Union’s Texas Ratio rose from 4.50% in Q3 2023 to 7.78% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$4.3B
7.78%
5.0
A
March 31, 2026
$4.3B
6.29%
5.0
A
December 31, 2025
$4.2B
7.63%
5.0
A
September 30, 2025
$4.1B
6.05%
5.0
A
June 30, 2025
$4.1B
4.76%
5.0
A+
March 31, 2025
$4.0B
3.79%
5.0
A+
December 31, 2024
$3.8B
5.38%
5.0
A+
September 30, 2024
$3.8B
4.47%
5.0
A+
June 30, 2024
$3.7B
4.06%
5.0
A+
March 31, 2024
$3.6B
3.01%
5.0
A+
December 31, 2023
$3.5B
4.39%
5.0
A+
September 30, 2023
$3.2B
4.50%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Empower Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Empower Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Empower Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
322,257,990
Total Uninsured Shares and Deposits > $250K (F+J)
330,184,449
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,554,698,093
Total Interest Expense (Sum of items 6 8)
43,197,185
Share Certificates
34,435
Number of Accounts for Share Drafts
181,898
IRA KEOGH Accounts
6,028
Number of Accounts for Regular Shares
355,990
All other shares
7,348
Non Member Deposits
430
Money Market Shares
23,743
Net Income (unless the amount is already included in Undivided Earnings)
17,232,529
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
259,145,561
Total Liabilities
3,948,067,183
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Empower Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Empower Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Empower Federal Credit Union
Frequently Asked Questions About Empower Federal Credit Union
Does Empower Federal Credit Union offer CDs?
Yes. Empower Federal Credit Union current CD rates include its CD - 6 month at 5.00% APY, its CD - 18 Month at 4.50% APY and its 12 Month CD at 4.00% APY, verified by MonitorBankRates as of October 31, 2026.
Are CDs from Empower Federal Credit Union NCUA insured?
Yes. Empower Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Empower Federal Credit Union?
The highest Empower Federal Credit Union CD rate is its CD - 6 month at 5.00% APY, verified by MonitorBankRates as of October 31, 2026.
What CD terms does Empower Federal Credit Union offer?
Empower Federal Credit Union CD rates are 5.00% APY for a 6 month CD, 4.00% APY for a 12 month CD, 4.00% APY for a 15 month CD, 4.50% APY for an 18 month CD, 3.75% APY for a 2 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Empower Federal Credit Union for its full lineup.
What is the highest savings rate at Empower Federal Credit Union?
The highest Empower Federal Credit Union savings rate is its Health Savings Accounts at 1.15% APY, verified by MonitorBankRates as of October 31, 2026.
What is the highest money market rate at Empower Federal Credit Union?
The highest Empower Federal Credit Union money market rate is its Premium Money Market & Premium Money Market IRA at 2.35% APY, verified by MonitorBankRates as of October 31, 2026.
What is the lowest 30 year fixed mortgage rate at Empower Federal Credit Union?
The lowest Empower Federal Credit Union 30 year fixed mortgage rate is its 30 Year Fixed at 7.00%, verified by MonitorBankRates as of October 31, 2026. Empower Federal Credit Union mortgage rates are 7.00% for a 30 year mortgage, 6.625% for a 20 year mortgage, 6.50% for a 15 year mortgage, 6.25% for a 10 year mortgage and 6.50% for a 1 year mortgage.
What is the lowest auto loan rate at Empower Federal Credit Union?
The lowest Empower Federal Credit Union auto loan rate is its New Electric Vehicle/Motorcycle - 37-48 mo Loan at 5.24% APR, verified by MonitorBankRates as of October 31, 2026. Empower Federal Credit Union auto loan rates are 5.24% APR for a 48 month auto loan, 5.49% APR for a 66 month auto loan, 5.74% APR for a 75 month auto loan and 6.24% APR for an 84 month auto loan.
What is the lowest personal loan rate at Empower Federal Credit Union?
The lowest Empower Federal Credit Union personal loan rate is its Personal Loans at 9.49% APR, verified by MonitorBankRates as of October 31, 2026. Empower Federal Credit Union personal loan rates are 9.99% APR for a 36 month personal loan, 10.74% APR for a 48 month personal loan and 10.99% APR for a 60 month personal loan.
What is the lowest credit card APR at Empower Federal Credit Union?
The lowest Empower Federal Credit Union credit card APR is its Mastercard Credit Card at 12.24% APR, verified by MonitorBankRates as of October 31, 2026.
How many branches does Empower Federal Credit Union operate?
Empower Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Empower Federal Credit Union?
Yes, to access services at Empower Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Empower Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Empower Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Empower Federal Credit Union offer online and mobile banking?
Most modern institutions like Empower Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.empowerfcu.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Empower Federal Credit Union rates compare?
Empower Federal Credit Union's CD rates are 43% higher than the MonitorBankRates national average, and it has an A health rating. Empower Federal Credit Union's top rates are its CD - 6 month at 5.00% APY, its Health Savings Accounts at 1.15% APY, its Premium Money Market & Premium Money Market IRA at 2.35% APY, its 10 Year Fixed at 6.25%, its Personal Loan - up to 24 mo at 9.49% APR and its Mastercard Credit Card at 12.24% APR, verified by MonitorBankRates on October 31, 2026.
Current Empower Federal Credit Union Rates
12-Month CD4.00%
18-Month CD4.50%
24-Month CD3.75%
60-Month CD3.50%
Savings1.15%
MMA2.35%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
