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Empower Federal Credit Union Rates & Review June 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| iEditorial Disclosure
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: June 3, 2026

Empower Federal Credit Union's 3- to 18-month CDs rates are at 4.00%. 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 6.05%. Rates were last updated on 06/03/2026.

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.

Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.05%
Excellent Lower than avg
Empower Federal Credit Union
Headquarters
1 Member Way
Syracuse, NY 13212
https://www.empowerfcu.com
Member NCUA

Empower Federal Credit Union CD Rates

Product Rate APY Term View More
3- to 18-month Share Certificates - 4.00% 3- to 18-month
Details Limited Time Offer!
Last Updated 06/03/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.05%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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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.

Credit Union Profile & Overview

Credit Union Name Empower Federal Credit Union
Website https://www.empowerfcu.com
Address 1 Member Way, Syracuse, NY 13212
Phone 315-477-2200
Fax
President Jayant Datta
CEO Ryan McIntyre
Full-Time Employees 560
Part-Time Employees 2
Branch Locations 24
ATM Locations 27
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.05%
Return on Assets (ROA)
0.6117%
Return on Equity (ROE)
6.2888%
Non-Performing Loans Ratio (NPL)
0.78%
Total 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
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

Want to discuss Empower Federal Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Empower Federal Credit Union
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Frequently Asked Questions About Empower Federal Credit Union

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.

Current Empower Federal Credit Union Rates

  • 18-Month CD4.00%
Retrieved from our database of financial products. Rates subject to change.

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