Empower Federal Credit Union Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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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 by leaving a review below, or read customer reviews before you decide to use . Empower Federal Credit Union Texas RatioEmpower Federal Credit Union's Texas Ratio is at 6.80%, which is considered excellent. The Texas Ratio for Empower Federal Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Empower Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Empower Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Empower Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
Current Rate AvailabilityWe do not have Empower Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates 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.
Credit Union Profile & OverviewCredit Union Name: Empower Federal Credit Union
Website: https://www.empowerfcu.com
Full Time Employees: 560Part Time Employees: 2 President: Jayant Datta CEO: Ryan McIntyre Branch Locations: 24 ATM Locations: 27 Corporate Office Address:
1 Member Way
Syracuse, NY 13212 Phone Number: 315-477-2200 Fax Number: FinancialsTotal Assets:
4,073,800,479
Total Amount of Shares and Deposits:
3,660,953,793
Total Shares and Deposits < 1 Year:
3,224,375,378
Total Shares and Deposits 1 3 Years:
334,952,565
Total Shares and Deposits > 3 Years:
101,625,850
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
270,774,540
Total Uninsured Shares and Deposits > $250K (F+J):
279,264,268
Total Insured Shares and Deposits > $250K (item 17 less item K):
3,381,689,525
Total Interest Expense (Sum of items 6 8):
64,364,156
Share Certificates:
31,412
Number of Accounts for Share Drafts:
174,855
IRA KEOGH Accounts:
6,020
Number of Accounts for Regular Shares:
341,212
All other shares:
7,199
Non Member Deposits:
421
Money Market Shares:
22,793
Net Income (unless the amount is already included in Undivided Earnings):
24,920,731
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
126,336,456
Total Liabilities:
3,711,091,339
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsRwVb
December 17, 2025
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Frequently Asked Questions About Empower Federal Credit UnionIs a member application needed to join Empower Federal Credit Union?Yes, to access services at Empower Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Empower Federal Credit Union provides a range of mortgage and home equity products. Is Empower Federal Credit Union a safe place to deposit money?Yes, Empower Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Empower Federal Credit Union offer online and mobile banking?Most modern institutions like Empower Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
You can compare Empower Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.02%, 6-month share certificate rates at 1.40% and 3-month share certificate rates at 1.41%. Savings rates are at 0.40% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 6.75%. All these rates, and more, can be found in our database of rates which you can compare to 
