Empower Federal Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Empower Federal Credit Union's 30-Month CD rates are at 4.75%, 60-Month CD rates are at 3.90%, 24-Month CD rates are at 3.85%, 48-Month CD rates are at 3.80%, 36-Month CD rates are at 3.80%. Empower Federal Credit Union's savings rates are at 0.55%. Empower Federal Credit Union's money market rates are at 1.55%. Empower Federal Credit Union's 30-Year Fixed rates are at 6.88%, 10/1 ARM rates are at 6.62%, 15-Year Fixed rates are at 6.38%.

Empower Federal Credit Union

Compare Empower Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Empower Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

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 CD rates or 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, Empower Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
3.30%
18-Month CD
3.35%
24-Month CD
3.85%
36-Month CD
3.80%
48-Month CD
3.80%
60-Month CD
3.90%
Savings
0.55%
MMA
1.55%
30-Year Fixed
7.02%
Credit Card
N/A
Personal Loan
N/A
Empower Federal Credit Union
Headquarters
1 Member Way
Syracuse, NY 13212
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare Empower Federal Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
First Internet Bank of Indiana
First Internet Bank of Indiana
12-Month CD
5.31%
$1,000
American National Bank
American National Bank
7-Month CD (special)
5.25%
$2,000
NVE Bank
NVE Bank
10-Month CD special
5.25%
$10,000
OBC Bank
OBC Bank
9-Month CD
5.12%
$5,000
West Union Bank
West Union Bank
7-Month CD (special)
5.06%
$500
Meadows Bank
Meadows Bank
6-Month CD (special)
5.00%
$1,000
Sallie Mae
Sallie Mae
18-Month CD
4.75%
$2,500
OAB One American Bank
OAB One American Bank
Savings Plus
4.75%
$50,000
Empower Federal Credit Union
Empower Federal Credit Union
30-Month CD
4.75%
$500
Fidelity Bank West Memphis, AR
Fidelity Bank West Memphis, AR
9-Month CD
4.60%
$500
Ally Bank
Ally Bank
12-Month CD
4.50%
$0
NexBank
NexBank
48-Month CD
4.45%
$10,000
Fidelity Co-operative Bank
Fidelity Co-operative Bank
25-Month CD special
4.35%
$500
Oxford Bank
Oxford Bank
Money market
4.25%
$500,000
Empower Federal Credit Union
Empower Federal Credit Union
60-Month CD
3.90%
$500
Empower Federal Credit Union
Empower Federal Credit Union
24-Month CD
3.85%
$500
Empower Federal Credit Union
Empower Federal Credit Union
36-Month CD
3.80%
$500
Empower Federal Credit Union
Empower Federal Credit Union
48-Month CD
3.80%
$500
North Dallas Bank & Trust (NDBT)
North Dallas Bank & Trust (NDBT)
24-Month CD
3.75%
$1,000
North Shore Bank of Commerce
North Shore Bank of Commerce
Preferred Investment Max Money Market
3.50%
$1,000,000
Meridian Bank
Meridian Bank
48-Month CD
3.50%
$500
Empower Federal Credit Union
Empower Federal Credit Union
18-Month CD
3.35%
$500
Empower Federal Credit Union
Empower Federal Credit Union
12-Month CD
3.30%
$500
Peoples Bank & Trust Co.
60-Month CD
3.29%
$1,000
Ohio Valley Bank Co.
Ohio Valley Bank Co.
Money Market
3.25%
$100,000
PSB of Plainview
PSB of Plainview
60-Month CD
3.14%
$10,000
Central Bank Provo, UT
Central Bank Provo, UT
48-Month CD
3.13%
$500
State Bank of Danvers
State Bank of Danvers
36-Month CD
3.12%
$250
Empower Federal Credit Union
Empower Federal Credit Union
6-Month CD
3.05%
$500
First Federal S&L Newark, OH
First Federal S&L Newark, OH
18-Month CD
3.03%
$500
Harleysville Bank
Harleysville Bank
24-Month CD
3.01%
$500
Bogota Savings Bank
Bogota Savings Bank
Prestige Checking
3.00%
$500
Grove Bank
Grove Bank
48-Month CD
2.82%
$1,000
Gate City Bank
Gate City Bank
24-Month CD
2.75%
$1,000
FSB Louise, TX
FSB Louise, TX
18-Month CD
2.68%
$1,000
United Savings Bank Philadelphia, PA
United Savings Bank Philadelphia, PA
12-Month CD
2.50%
$1,000
Benchmark Community Bank
Benchmark Community Bank
36-Month CD
2.50%
$500
Randolph Brooks FCU
Randolph Brooks FCU
Choice Money Market
2.27%
$2,500
167th TFR Federal Credit Union
167th TFR Federal Credit Union
Money Market
2.02%
$100,000
Empower Federal Credit Union
Empower Federal Credit Union
Premium Money Market
1.55%
$250,000
Osgood Bank OB
Osgood Bank OB
60-Month CD
1.51%
$1,000
BankOrion
BankOrion
60-Month CD
1.10%
$500
Lincoln FSB of Nebraska
Lincoln FSB of Nebraska
36-Month CD
1.10%
$5,000
Integrity Bank & Trust
Integrity Bank & Trust
Personal Money Market
1.01%
$0
Citizens State Bank Hudson, WI
Citizens State Bank Hudson, WI
Citizens Select Money Market
1.01%
$0
Kennebec Savings Bank
Kennebec Savings Bank
36-Month CD
0.90%
$500
Centinel Bank of Taos
Centinel Bank of Taos
Simple Savings
0.80%
$0
Citizens-Farmers Bank of Cole Camp
Citizens-Farmers Bank of Cole Camp
Money Market
0.75%
$100
Bank of Pontiac
Bank of Pontiac
30-Month CD
0.60%
$500
Empower Federal Credit Union
Empower Federal Credit Union
Membership Share Savings
0.55%
$0
Central Bank Houston, TX
Central Bank Houston, TX
12-Month CD
0.50%
$1,000
Farmers State Bank of Alto Pass, Ill.
Farmers State Bank of Alto Pass, Ill.
36-Month CD
0.50%
$1,000
The Middlefield Banking Company
The Middlefield Banking Company
12-Month CD
0.45%
$500
Think Mutual Bank
Think Mutual Bank
Savings
0.40%
$0
National Bank of Coxsackie
National Bank of Coxsackie
36-Month CD
0.35%
$500
The Union Bank Company
The Union Bank Company
24-Month CD
0.16%
$500
Ukrainian Selfreliance Federal Credit Union
Ukrainian Selfreliance Federal Credit Union
Prime Share (Savings)
0.10%
$50
Acme Continental Credit Union
Acme Continental Credit Union
Regular Share Savings
0.10%
$100
Dime Bank
Dime Bank
Money Market
0.03%
$20
First Federal S&L of Van Wert
First Federal S&L of Van Wert
Savings Account
0.01%
$100
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Empower Federal Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
North Carolina Press Association Federal Credit Union
North Carolina Press Association Federal Credit Union
10 Year Fixed
5.925%
6.145%
0.000
First National Bank of Hutchinson
First National Bank of Hutchinson
10-Year Fixed
6.000%
6.280%
0.000
Randolph Brooks FCU
Randolph Brooks FCU
15-Year Fixed
6.000%
6.284%
0.000
PNB of Kewanee
PNB of Kewanee
30-Year Fixed
6.190%
6.366%
0.000
Georgias Own Credit Union
Georgias Own Credit Union
15-Year Fixed
6.250%
6.400%
0.000
Abound Federal Credit Union
Abound Federal Credit Union
15-Year Fixed Jumbo
6.375%
6.404%
0.000
Teachers Federal Credit Union
Teachers Federal Credit Union
10-Year Fixed
6.375%
6.480%
0.500
M&T Bank
M&T Bank
15-Year Fixed
6.000%
6.509%
2.000
Holyoke Credit Union
Holyoke Credit Union
20 Year Fixed
6.375%
6.538%
0.000
First Hope Bank
First Hope Bank
15-Year Fixed
6.375%
6.600%
0.000
Empower Federal Credit Union
Empower Federal Credit Union
15-Year Fixed
6.375%
6.613%
0.000
Hatboro Federal Savings
Hatboro Federal Savings
30-Year Fixed
6.375%
6.621%
2.000
Greenville National Bank
Greenville National Bank
15-Year Fixed
6.500%
6.636%
0.000
Kohler Credit Union
Kohler Credit Union
20 Year Fixed
6.500%
6.645%
0.000
Houston Highway Credit Union
Houston Highway Credit Union
30 Year Fixed
6.375%
6.669%
0.000
Kohler Credit Union
Kohler Credit Union
15 Year Fixed
6.500%
6.682%
0.000
River Falls State Bank
River Falls State Bank
15-Year Fixed
6.500%
6.712%
0.000
First Federal Savings Bank Evansville, IN
First Federal Savings Bank Evansville, IN
15-Year Fixed
6.625%
6.721%
0.000
Honda Federal Credit Union
Honda Federal Credit Union
20 Year Fixed
6.625%
6.750%
0.000
M&T Bank
M&T Bank
30-Year Fixed Jumbo
6.500%
6.772%
2.000
IC Federal Credit Union
IC Federal Credit Union
20 Year Fixed
6.625%
6.818%
0.000
Manasquan Bank
Manasquan Bank
5/6 ARM
6.750%
6.834%
0.000
IC Federal Credit Union
IC Federal Credit Union
15 Year Fixed
6.625%
6.866%
0.000
OlyFed Olympia Federal S&L
OlyFed Olympia Federal S&L
10-Year Fixed
6.500%
6.875%
1.000
Penn East Federal Credit Union
Penn East Federal Credit Union
30 year Fixed
6.625%
6.882%
1.670
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Empower Federal Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
ACFCU
ACFCU
Travel Rewards+ Card Visa
19.740% - 29.740%
Earn 4x unlimited points on travel and more, plus receive a $250 bonus.
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred
14.240% - 17.990%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Clarity
15.990%
AAC Credit Union
AAC Credit Union
Visa Platinum
7.990%
Line of credit up to $20,000. $250,000 travel life insurance
Achieva Credit Union
Achieva Credit Union
Achieva Mastercard Credit Card
12.490% - 25.490%
12.49% to 25.49% when you open your account, based on your creditworthiness.
Suncoast Credit Union
Suncoast Credit Union
Rewards Share Secured
18.000%
Credit Limit - $300 - $5,000
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
Max Rewards Visa Credit Card
15.250%
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
BECU Visa
13.240% - 25.240%
0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening.
AAEC Credit Union
AAEC Credit Union
VISA Credit Card
11.900%
No annual fee
ACMG Federal Credit Union
ACMG Federal Credit Union
VISA Platinum with Rewards
8.900%
America First Federal Credit Union
America First Federal Credit Union
CLASSIC FLAT 1% CASH BACK VISA
18.000%
1% Cash Back Classic Card
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
Visa Credit Card
11.900%
University First Federal Credit Union
University First Federal Credit Union
Visa Secure Card
13.740%
1st MidAmerica Credit Union
1st MidAmerica Credit Union
Platinum Rewards
8.900% - 13.900%
Based upon credit worthiness.
1st Cooperative Federal Credit Union
1st Cooperative Federal Credit Union
Visa Platinum Credit Card
8.500%
As low as 8.50%
Access Federal Credit Union
Access Federal Credit Union
Access FCU Visa Classic
13.500%
Access Federal Credit Union
Access Federal Credit Union
Access FCU Visa Gold
9.900%
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Select Visa
13.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
First Technology Federal Credit Union
First Technology Federal Credit Union
Odyssey Rewards World Elite Mastercard
12.240%
University First Federal Credit Union
University First Federal Credit Union
Visa Crimson Card
13.240%
Vystar Credit Union
Vystar Credit Union
Savings Secured Visa®
18.000%
University First Federal Credit Union
University First Federal Credit Union
Visa Business Rewards Card
15.240%
1st MidAmerica Credit Union
1st MidAmerica Credit Union
Platinum
8.900%
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Rewards Mastercard
15.000% - 17.900%
Maximum Loan Amount Up to $35,000.00
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Rewards Credit Card
14.240%
Show More

The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare Empower Federal Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
ACFCU
ACFCU
Line of Credit
13.700%
$0
Abbey Credit Union
Abbey Credit Union
Signature (Unsecured) Loan
11.040%
$0
1 - 24
Suncoast Credit Union
Suncoast Credit Union
Personal Line of Credit
11.500%
$0
360 Federal Credit Union
360 Federal Credit Union
Debt Consolidated
9.490%
$500
36
Vystar Credit Union
Vystar Credit Union
Personal Line of Credit
16.240%
$0
60
Achieve Financial Credit Union
Achieve Financial Credit Union
Student Loan Consolidation
5.490%
$0
University First Federal Credit Union
University First Federal Credit Union
Personal Loans
12.990%
$0 - $2,000
24 - 24
2 Rivers Area Credit Union
2 Rivers Area Credit Union
Signature Loan
10.000%
$0
60
AHE Plant 3 Federal Credit Union
AHE Plant 3 Federal Credit Union
Unsecured (Signature) Loan
11.000%
$0 - $500
Alec Federal Credit Unon Federal Credit Union
Alec Federal Credit Unon Federal Credit Union
New Signature Loans
8.990%
$0
The Golden 1 Credit Union
The Golden 1 Credit Union
Credit Starter Loan
16.250%
$0
Academic Employees Credit Union
Academic Employees Credit Union
Personal Loan
10.500%
$0 - $5,000
24 - 36
Access Federal Credit Union
Access Federal Credit Union
Consolidation Loans
13.060%
$0
1 - 36
ACFCU
ACFCU
Gold Star Loan
14.200%
$0
48
Access Community Credit Union
Access Community Credit Union
Personal Loans
12.990%
$0
13 - 60
Y-12 Federal Credit Union
Y-12 Federal Credit Union
Ultra Loan
13.990%
$0
1st United Credit Union
1st United Credit Union
Personal Loan
10.890%
$0
60
First Technology Federal Credit Union
First Technology Federal Credit Union
Personal Line of Credit Revolving
14.250%
$500 - $25,000
Acipco Federal Credit Union
Acipco Federal Credit Union
Signature Loan
10.000%
$0
1 - 36
Academic Employees Credit Union
Academic Employees Credit Union
Preferred Personal Loan
10.000%
$0
60
InFirst Bank
InFirst Bank
Personal Loan
13.000% - 13.140%
$1,500 - $15,000
36 - 36
Security Service Federal Credit Union
Security Service Federal Credit Union
Debt Consolidation Loan
9.990% - 16.240%
$0
61 - 66
360 Federal Credit Union
360 Federal Credit Union
Anything Loan
10.990%
$500
36
1st Street Credit Union
1st Street Credit Union
Note Loan
8.990% - 17.990%
$0
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Personal Loan
8.490%
$0
36 - 36
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Empower Federal Credit Union Information

Credit Union Name: Empower Federal Credit Union
Full Time Employees: 632
Part Time Employees: 9
President: Patrick Piscitelli
CEO: Ryan McIntyre
Branch Locations: 28
ATM Locations: 26
Corporate Office Address:
1 Member Way
Syracuse, NY 13212
Phone Number: 315-477-2200
Fax Number:

Empower Federal Credit Union Financials

Total Assets:
3,238,037,288
Total Amount of Shares and Deposits:
2,925,562,860
Total Shares and Deposits < 1 Year:
2,617,838,460
Total Shares and Deposits 1 3 Years:
274,794,943
Total Shares and Deposits > 3 Years:
32,929,457
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
211,444,584
Total Uninsured Shares and Deposits > $250K (F+J):
223,744,349
Total Insured Shares and Deposits > $250K (item 17 less item K):
2,701,818,511
Total Interest Expense (Sum of items 6 8):
34,871,515
Share Certificates:
23,491
Number of Accounts for Share Drafts:
164,274
IRA KEOGH Accounts:
5,594
Number of Accounts for Regular Shares:
296,633
All other shares:
6,007
Non Member Deposits:
229
Money Market Shares:
18,996
Net Income (unless the amount is already included in Undivided Earnings):
23,540,939
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
150,869,465
Total Liabilities:
2,975,480,670
Show More

Empower Federal Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
Yes
Is Financial Counseling Offered?:
Yes
Financial Education offered for Members?:
Yes
Are financial literacy Workshops offered?:
Yes
Is there a first time homebuyer program?:
Yes
Credit management and repair offered?:
Yes
Online Financial Literacy?:
Yes
Bilingual Services:
1
No Cost Bill Payer:
Yes
Student Scholarships:
1
Credit Builder:
1
Mortgage Processing:
Yes
Approved Mortgage Seller?:
Yes
Brokered Certificates of Deposits:
1
Brokered Deposits (All deposits acquired through a third party):
1
payment:
No
Are low cost wire transfers available?:
Yes
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
Yes
Account Aggregation:
1
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Merchant Processing Services:
1
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA

The Best CD Rates: Credit Unions Offering 6.00% or Higher on CDs (Certificates)


In today's financial environment, where some traditional bank accounts that still offer discouragingly low CD rates, the credit unions are stepping up their game and offering much higher CD rates. If you've been relying on such low-yield options, it's time to consider switching to one of these credit unions. They offer certificate of deposit (CD) rates that not only exceed 6.00% but also provide an avenue for significant financial growth. Let's delve into the specifics:

Truliant Federal Credit Union

At the forefront, Truliant FCU is offering an astonishing 6.25% rate on its 11-month CD. The minimum deposit requirement is $5,000. Investing $10,000 for one year could yield approximately $625, while $100,000 would fetch around $6,250 in returns. This is an excellent option for those who have a higher initial deposit and are looking for a short-term investment with excellent yields.

    Read more...

Explore Other Rate Deals

TotalDirectBank Money Market Account RatesTotalDirectBank money market account rates are currently some of the best money market rates available on the rate list. Current money market account rates from TotalDirectBank are at 2.03 percent with an APY of 2.05 percent. The minimum opening account balance is only $5,000 and the maximum amount you can deposit is $500,000. This high yield money market account rate from TotalDirectBank is more than 8x the FDIC national average rate. To get the best deal on a money market account compare rates online with TotalDirectBank money market account rates.
For years now all I have been reporting on are lower savings rates and CD rates. Recently I reported on two banks raising CD rates and one bank increasing their savings rates. Now I'm happy to report on American Express Bank increasing their savings account rate.
how-to-find-the-best-life-insurance-ratesFinding the best life insurance rates depends on the type of and amount of life insurance you actually need.

Bank or Credit Union Offers and Deals

Capital One CD Rates 5.25% APY 18-Month CD Best Deal
NewDominion Bank MMA Rates now at 0.15%
Mortgage Rates are Stable After Heading Higher on The Housing Finance Market Report
Mortgage Rates Barely Change: 30 Year Mortgage Rates at 4.87%, 5 Year Adjustable Mortgage Rates at 3.72%
Best Money Market Account Rates & Savings Account Rates
Thrid Federal Home Equity Line Promo
Think Mutual Bank Savings Account & Money Market Account
High Yield Savings Accounts in New York: Highest Rate 1.49%
CD Rates Higher Than the Average Rates July 10, 2012
Current Mortgage Rates Hit New Low in 2014

Alternative Bank and Credit Union Offers to Explore

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Today's Mortgage Rates Near Record Lows and Reasonible Lending Standards Would Raise Home Sales
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EverBank Money Market Account
Laural Bank Savings Rates: Earn 4.80% on Your Savings and Enjoy Exclusive Benefits
iGObanking.com Money Market Account Rates now at 1.09%
Average Certificate of Deposit Rates First Week of 2015

Empower Federal Credit Union Reviews

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