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Empower Federal Credit Union

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Empower Federal Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Empower Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 3.01%, 6-month share certificate rates at 2.85% and 3-month share certificate rates at 2.71%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Empower Federal Credit Union, and you can see how they compare in the Empower Federal Credit Union rate tables below. 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 6.29%. Database rates last updated and verified on 09/23/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.29%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Empower Federal Credit Union
Baldwinsville

15 E Genesee St
Baldwinsville, NY 13027-2534

https://www.empowerfcu.com

Current Rate Availability

We're not currently displaying rates for Empower Federal Credit Union, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

Empower Federal Credit Union’s Texas Ratio rose from 4.10% in Q2 2023 to 6.29% in Q1 2026, so its financial health has weakened 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
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+
June 30, 2023	$3.3B	4.10%	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.

Credit Union Profile & Overview

Credit Union Name Empower Federal Credit Union

Website https://www.empowerfcu.com

Address 15 E Genesee St, Baldwinsville, NY 13027-2534

Phone 315-477-2200

Fax

President Jayant Datta

CEO Ryan McIntyre

Full-Time Employees 568

Part-Time Employees 2

Branch Locations 24

ATM Locations 24

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

6.29%

Return on Assets (ROA)

0.1933%

Return on Equity (ROE)

2.0113%

Non-Performing Loans Ratio (NPL)

0.86%

Total Assets

4,271,195,714

Total Amount of Shares and Deposits

3,835,526,032

Total Shares and Deposits < 1 Year

3,480,658,660

Total Shares and Deposits 1 3 Years

278,432,195

Total Shares and Deposits > 3 Years

76,435,177

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

323,990,156

Total Uninsured Shares and Deposits > $250K (F+J)

331,983,374

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,503,542,658

Total Interest Expense (Sum of items 6 8)

21,592,253

Share Certificates

34,008

Number of Accounts for Share Drafts

179,197

IRA KEOGH Accounts

6,019

Number of Accounts for Regular Shares

350,046

All other shares

7,267

Non Member Deposits

434

Money Market Shares

23,394

Net Income (unless the amount is already included in Undivided Earnings)

8,254,804

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)

364,407,591

Total Liabilities

3,889,967,605

Source: NCUA — Last Updated 03/31/2026

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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/empower-federal-credit-union-rates-review-3025">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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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.