Empower Federal Credit Union Rates and Review January 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's 24-Month CD rates are at 3.50%, 18-Month CD rates are at 3.35%, 12-Month CD rates are at 3.30%, 60-Month CD rates are at 3.25%, 48-Month CD rates are at 3.25%. Empower Federal Credit Union's savings rates are at 1.00%. Empower Federal Credit Union's money market rates are at 1.55%. Empower Federal Credit Union's 30-Year Fixed rates are at 6.00%, 15-Year Fixed rates are at 5.50%, 10/1 ARM rates are at 5.50%.
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. Rate Updates and AvailabilityEmpower 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. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Empower Federal Credit Union Deposit Rates
Empower Federal Credit Union
24-Month CD
3.50%
$500
Empower Federal Credit Union
18-Month CD
3.35%
$500
Empower Federal Credit Union
12-Month CD
3.30%
$500
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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. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
CD & Savings Rate ComparisonShow 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. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonRewards Mastercard
15.000% - 17.900%
Maximum Loan Amount Up to $35,000.00
Visa Secured
18.000%
SIGNATURE 1% CASH BACK VISA
14.740%
Unlimited 1% Cash Back Signature Card
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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. Personal Loan Rate ComparisonSignature Loan
10.700%
$0 - $10,000
60 - 60
Technology Loan
9.750%
$0
36
Credit Builder Loan
9.000%
$0
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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. 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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Add Your Rating and Review for Empower Federal Credit Union
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 |
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