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

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Empower Federal Credit Union's 30-Month CD Certificate rates are at 5.25%, 60-Month CD Certificate rates are at 4.05%, 48-Month CD Certificate rates are at 4.00%, 36-Month CD Certificate rates are at 3.95%, 24-Month CD Certificate rates are at 3.85%. 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 6.50%, 10/1 ARM rates are at 6.00%, 15-Year Fixed rates are at 6.00%.

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
3.70%
18-Month CD
3.80%
24-Month CD
3.85%
36-Month CD
3.95%
48-Month CD
4.00%
60-Month CD
4.05%
Savings
0.55%
MMA
1.55%
30-Year Fixed
6.64%
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
Empower Federal Credit Union
Empower Federal Credit Union
30-Month CD Certificate
5.25%
$500
Cape Cod Co-operative Bank
Cape Cod Co-operative Bank
8-Month CD special
4.75%
$500
GreenLeaf Bank
GreenLeaf Bank
6-Month CD
4.75%
$1,000
GCSB Swayzee, IN
GCSB Swayzee, IN
36-Month CD
4.27%
$1,000
Mutual Security Credit Union
Mutual Security Credit Union
Money Market Special
4.25%
$2,500
Dearborn Federal Savings Bank
Dearborn Federal Savings Bank
120-Month CD
4.25%
$500
Community Savings Bank Edgewood, IA
Community Savings Bank Edgewood, IA
36-Month CD
4.06%
$1,000
Empower Federal Credit Union
Empower Federal Credit Union
60-Month CD Certificate
4.05%
$500
Empower Federal Credit Union
Empower Federal Credit Union
48-Month CD Certificate
4.00%
$500
Empower Federal Credit Union
Empower Federal Credit Union
36-Month CD Certificate
3.95%
$500
Empower Federal Credit Union
Empower Federal Credit Union
24-Month CD Certificate
3.85%
$500
Bristol County Savings Bank
Bristol County Savings Bank
48-Month CD
3.82%
$1,000
Empower Federal Credit Union
Empower Federal Credit Union
18-Month CD Certificate
3.80%
$500
Empower Federal Credit Union
Empower Federal Credit Union
12-Month CD Certificate
3.70%
$500
The Golden 1 Credit Union
The Golden 1 Credit Union
48-Month CD term share
3.65%
$500
Empower Federal Credit Union
Empower Federal Credit Union
6-Month CD (Certificate)
3.50%
$500
City National B&T Co. of Lawton, OK
12-Month CD
3.50%
$500
Rolette State Bank
Rolette State Bank
48-Month CD
3.38%
$500
First State Bank Randolph, NE
First State Bank Randolph, NE
24-Month CD
3.35%
$500
PSECU
PSECU
36-Month CD
3.15%
$500
Campbell & Fetter Bank
Campbell & Fetter Bank
60-Month CD
3.14%
$1,000
Asian Bank
Asian Bank
Personal Money Market
3.00%
$10,000
Ambler Savings Bank
Ambler Savings Bank
48-Month CD
3.00%
$1,000
Touchmark Bank
Touchmark Bank
Business Platinum Money Market
2.80%
$250,000
State Central Bank
State Central Bank
48-Month CD
2.77%
$10,000
Black River Country Bank
Black River Country Bank
48-Month CD
2.75%
$1,000
DB&T
DB&T
18-Month CD
2.57%
$1,000
Profinium, Inc.
Profinium, Inc.
36-Month CD
2.52%
$500
Stockgrowers State Bank of Ashland, KS
Stockgrowers State Bank of Ashland, KS
9-Month CD
2.52%
$500
Bluff View Bank
Bluff View Bank
Kasasa Cash Checking
2.50%
$0
North Star Bank
North Star Bank
48-Month CD
2.37%
$500
Homewood Federal SB
Homewood Federal SB
12-Month CD
2.30%
$25,000
Exchange State Bank Ames, IA
Exchange State Bank Ames, IA
60-Month CD
2.00%
$1,000
Home National Bank Racine, OH
Home National Bank Racine, OH
60-Month CD
1.85%
$500
Empower Federal Credit Union
Empower Federal Credit Union
Premium Money Market
1.55%
$250,000
Fairview State Banking Company
Fairview State Banking Company
3-Month CD
1.51%
$2,500
Addition Financial Credit Union
Addition Financial Credit Union
Growth+ Money Market
1.51%
$1,000,000
American State Bank (TX)
American State Bank (TX)
60-Month CD
1.51%
$1,000
F&M Bank & Trust
F&M Bank & Trust
Premier Money Market
1.50%
$250,000
Clay County Savings Bank
Clay County Savings Bank
48-Month CD
1.43%
$500
Fayette Savings Bank, SSB
Fayette Savings Bank, SSB
18-Month CD
1.11%
$1,000
Essex Savings Bank
Essex Savings Bank
24-Month CD
1.02%
$500
First Bank Hampton
First Bank Hampton
Moneybuilder Savings Account
1.00%
$0
German American Bank
German American Bank
60-Month CD
1.00%
$1,000
The Bank of Brodhead
The Bank of Brodhead
12-Month CD
1.00%
$500
Five Star Credit Union
Five Star Credit Union
Business Money Market Rates
0.75%
$250,000
Chemung Canal Trust Company
Chemung Canal Trust Company
48-Month CD
0.55%
$1,000
Empower Federal Credit Union
Empower Federal Credit Union
Membership Share Savings
0.55%
$0
First Commercial Bank, N.A.
First Commercial Bank, N.A.
Money Market Account
0.50%
$2,500
Somerset Trust Company
Somerset Trust Company
36-Month CD
0.45%
$500
I3 Bank
I3 Bank
12-Month CD
0.40%
$500
A+ Federal Credit Union
A+ Federal Credit Union
Money Market
0.35%
$2,000
Cornerstone Bank Moorestown, NJ
Cornerstone Bank Moorestown, NJ
36-Month CD
0.30%
$500
Hebron Savings Bank
Hebron Savings Bank
36-Month CD
0.25%
$500
Kentucky Farmers Bank
Kentucky Farmers Bank
Checking Account
0.20%
$1,000
Lewis & Clark Bank
Lewis & Clark Bank
12-Month CD
0.20%
$500
Concordia Bank & Trust Company
Concordia Bank & Trust Company
NOW Account Checking
0.15%
$1,000
First Security Bank Byron, MN
First Security Bank Byron, MN
Advantage Checking Account
0.05%
$500
Firstrust Savings Bank
Firstrust Savings Bank
Basic Savings
0.05%
$0
Wheaton Bank & Trust
Wheaton Bank & Trust
Money Market
0.05%
$100,000
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
Empower Federal Credit Union
Empower Federal Credit Union
30-Year Fixed
6.500%
6.645%
0.000
Empower Federal Credit Union
Empower Federal Credit Union
10/1 ARM
6.000%
6.565%
0.000
Empower Federal Credit Union
Empower Federal Credit Union
15-Year Fixed
6.000%
6.236%
0.000
First FSB of Champaign Urbana
First FSB of Champaign Urbana
10-Year Fixed
6.125%
6.230%
0.000
Logix Federal Credit Union
Logix Federal Credit Union
20 Year Fixed
6.750%
7.050%
1.500
Altoona First Savings Bank
Altoona First Savings Bank
20-Year Fixed
6.750%
6.803%
0.000
Wrentham Co-operative Bank
Wrentham Co-operative Bank
30-Year Fixed Jumbo
6.375%
6.435%
0.000
Kirtland Federal Credit Union
Kirtland Federal Credit Union
10 Year Fixed
6.500%
6.934%
0.000
Ukrainian Selfreliance Federal Credit Union
Ukrainian Selfreliance Federal Credit Union
7/7 AMR
5.875%
5.923%
0.000
Range Bank
Range Bank
10/1 ARM
8.000%
8.500%
0.000
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
30 Year Fixed
6.500%
6.670%
1.000
FCN Bank, N.A.
FCN Bank, N.A.
30-Year Fixed
7.500%
7.552%
0.000
Ukrainian Selfreliance Federal Credit Union
Ukrainian Selfreliance Federal Credit Union
30-Year Fixed
6.250%
6.395%
0.000
RVA Financial Federal Credit Union
RVA Financial Federal Credit Union
15 Year Fixed
6.375%
6.640%
0.000
Sacramento Credit Union
Sacramento Credit Union
30 year Fixed
6.500%
6.720%
1.000
First Federal Bank of Kansas City
First Federal Bank of Kansas City
5/6 ARM
7.125%
7.685%
0.000
1st Northern California Credit Union
1st Northern California Credit Union
7-Year Fixed
4.990%
5.287%
0.500
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
15-Year Fixed
6.250%
6.368%
0.000
Park Federal Credit Union
Park Federal Credit Union
7/7 ARM
7.250%
7.309%
0.000
State Employees Credit Union
State Employees Credit Union
20-Year Fixed (LTV 90% or less)
6.575%
6.702%
0.000
Missouri Credit Union
Missouri Credit Union
15 Year Fixed
6.375%
6.460%
0.000
Alliant Credit Union
Alliant Credit Union
5/6 ARM
5.875%
7.336%
0.000
Lake Shore Savings Bank
Lake Shore Savings Bank
20-Year Fixed
7.500%
7.698%
0.000
Teachers Federal Credit Union
Teachers Federal Credit Union
20-Year Fixed Jumbo
6.625%
6.640%
0.500
State Bank of Southern Utah
State Bank of Southern Utah
15-Year Fixed
6.375%
6.624%
0.000
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
Y 12 Federal Credit Union
Y 12 Federal Credit Union
VISA Signature Rewards
16.740% - 18.000%
First Technology Federal Credit Union
First Technology Federal Credit Union
Odyssey Rewards World Elite Mastercard
12.240%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred Rewards
15.740% - 17.990%
Abri Credit Union
Abri Credit Union
Platinum Rewards Visa
15.400% - 24.400%
Earn 1 point for every purchase dollar spent. 12 Month Balance Transfer Rate 0%
705 Federal Credit Union
705 Federal Credit Union
VISA Credit Card
7.900% - 15.900%
Maximum credit card amount offered is $10,000 with a 36-month term.
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
Prime Platinum Visa Credit Card
11.500%
ACFCU
ACFCU
Max Cash Preferred Card Visa
19.490% - 29.740%
Get more value with up to 5% cash back in 2 categories you choose.
Randolph Brooks FCU
Randolph Brooks FCU
World Cash Back Credit Card Mastercard
18.000%
University First Federal Credit Union
University First Federal Credit Union
Visa Business Rewards Card
15.240%
Acadia Federal Credit Union
Acadia Federal Credit Union
Acadia Visa Credit Card
10.900%
No annual fee
Marcus Bank
Marcus Bank
GM Business™ Mastercard®
19.240% - 29.240%
0% Intro purchase APR for first 12 months
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Select Rewards Visa
15.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Acadian Federal Credit Union
Acadian Federal Credit Union
Acadian CU Visa Classic
9.200%
9.20% APR for purchases, balance transfers and cash advances.
ACMG Federal Credit Union
ACMG Federal Credit Union
VISA Platinum with Rewards
8.900%
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power MasterCard
12.740% - 18.000%
America First Federal Credit Union
America First Federal Credit Union
CLASSIC REWARDS VISA
18.000%
Abco Federal Credit Union
Abco Federal Credit Union
VISA® Credit Cards
7.990%
University First Federal Credit Union
University First Federal Credit Union
Visa Secure Card
13.740%
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Visa Signature Rewards
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Y 12 Federal Credit Union
Y 12 Federal Credit Union
VISA Traditional
14.240% - 18.000%
Suncoast Credit Union
Suncoast Credit Union
Rewards Platinum VISA
12.500%
Credit Limit - $500 - $50,000
Aaec Credit Union
Aaec Credit Union
VISA Credit Card
11.900%
No annual fee
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power Travel Rewards World MasterCard
16.250% - 17.250%
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.
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Gold
15.400%
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
2 Rivers Area Credit Union
2 Rivers Area Credit Union
Signature Loan
10.000%
$0
60
Advantage Plus Federal Credit Union
Advantage Plus Federal Credit Union
Signature Loan
12.990%
$0
1 - 24
University First Federal Credit Union
University First Federal Credit Union
Personal Loans
13.740%
$5,000
60 - 60
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Personal Loan Rates
5.740%
$0
1 - 36
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
Personal Loan
9.200% - 17.950%
$0 - $2,500
36 - 36
Acme Continental Credit Union
Acme Continental Credit Union
Signature Loan
8.950%
$0
1 - 60
Teachers Federal Credit Union
Teachers Federal Credit Union
Unsecured Personal Loan
10.990%
$0 - $50,000
12 - 60
Achieve Credit Union
Achieve Credit Union
Personal Loan
8.950%
$0
Academic Employees Credit Union
Academic Employees Credit Union
Personal Loan
10.500%
$0 - $5,000
24 - 36
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Personal Loan
13.240%
$0
48
A+ Federal Credit Union
A+ Federal Credit Union
A+ Preferred Line Of Credit
10.990%
$0
Aac Credit Union
Aac Credit Union
Signature Loans
12.990%
$0
48
1st United Credit Union
1st United Credit Union
Personal Line of Credit Variable
13.150%
$0
Aaec Credit Union
Aaec Credit Union
Education (tuition bill required)
8.250%
$0
60
InFirst Bank
InFirst Bank
Personal Loan
12.000% - 12.110%
$1,500 - $15,000
48 - 48
4u Federal Credit Union
4u Federal Credit Union
Personal Loan
10.650%
$0
Suncoast Credit Union
Suncoast Credit Union
Technology Loan
9.750%
$0
36
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
Personal Lines of Credit
11.900% - 19.400%
$0
1st United Credit Union
1st United Credit Union
Personal Loan
10.890%
$0
60
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Overdraft Protection Loan
11.500% - 17.900%
$0 - $5,000
Aac Credit Union
Aac Credit Union
Personal Loans Share Secured
5.990%
$0
48
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Personal Loan
9.490%
$0
48 - 48
Teachers Federal Credit Union
Teachers Federal Credit Union
Unsecured Personal Loan
12.740%
$0 - $50,000
61 - 72
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
Open End Line-of-Credit
11.990%
$0
Circuit Federal Credit Union
Circuit Federal Credit Union
Personal Loans
10.250% - 10.650%
$3,000 - $25,000
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

It’s only been three weeks since the start of 2012, and already, some of you may be finding it tough to keep those financial resolutions. Luckily for you, Informa Research Services has a few tips to get you back on track.
CD Rates Might Move Higher Before the Fourth Quarter of 2015The Federal Reserve has been keeping the federal funds rate at near zero percent for over 5 years now. This policy has forced CD rates down to record low levels. The Federal Reserve has stated they plan to keep the fed funds rate at the current level until the unemployment rate falls below 6.5 percent, which the fed believes will happen sometime in the fourth quarter of 2015.
Today's savings rates and money market account rates on account balances of $10,000 on averaging 0.53 percent in Bankrate's national survey. Larger savings account balances earn a little more. Account balances of $25,000 earn 0.56 percent and account balances of $50,000 earn 0.65 percent.

Bank or Credit Union Offers and Deals

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Mortgage Rates MBA: 30 Year Mortgage Rates at 4.28%, 15 Year Mortgage Rates at 3.64%
Mortgage Loans: Finding the Best Mortgage Loan
Record Low Mortgage Rates Should Be Even Lower Analysts Say
Mortgage Rates Today July 6, 2012
NewDominion Bank 6 Month CD Rates now at 0.30%
Today's PNC Bank Mortgage Rates
Top 1 Year CD Rate Now at 1.35 Percent

Alternative Bank and Credit Union Offers to Explore

Bangor Savings Bank CD Rates: Best Rate 4.08% APY 15-Month Special CD Benefit Plus
Home Mortgage Interest Rates: 30 Year Conforming Mortgage Rates at 4.32%, 30 Year Jumbo Mortgage Rates at 4.88%
Mortgage Rates: Current Lender's Mortgage Rates Sunday, October 30
PNC Bank Rates and Reviews
Small Business Savings Account Promotion 2.00% APY
EH National Bank Savings Jumbo Rates now at 0.81%
Average CD Interest Rates Mostly Lower on FOMC September 21 Statement
We Have a New Top CD Rate on our 12 Month CD Rates List
Mortgage Rates Today Increase for the Third Consecutive Week
Best 12 Month CD Rates California

Empower Federal Credit Union Reviews

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