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Empower Federal Credit Union

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CURRENT TOP RATE

5 Year Share Certificate

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.90%	5-year CD	5 Year Share Certificate 2.25% - Bank of Internet USA 60 Month CD
1.80%	4-year CD	4 Year Share Certificate 1.90% - Goldman Sachs Bank USA 4 Year CD
1.50%	3-year CD	3 Year Share Certificate 2.00% - Goldman Sachs Bank USA 3 Year CD

View all Empower Federal Credit Union rates »

Overview / Commentary

www.empowerfcu.com

315-477-2200

1 Member Way
Syracuse, NY 13212

Empower Federal Credit Union is headquartered in Syracuse and is the 11^th largest credit union in the state of New York. It is also the 146^th largest credit union in the nation. It was established in 1939 and as of June of 2017, it had grown to 462 employees and 169,370 members at 24 locations. Empower Federal Credit Union's money market rates are 14% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Empower Federal Credit Union is open to those who live, work, worship, or attend school in the following areas: (1) the Cities of Buffalo, Binghamton, Syracuse, and Utica; (2) the towns of Geddes, Cheektowaga, and Union; (3) Oswego County; (4) designated areas of Liverpool, Montgomery County, Village of New York Mills, City of Elmira (except census tract #5, West Elmira, and Big Flats), Village of Elmira Heights, Nedrow, and Village of Horseheads. Membership is also open to employees and members of over 300 Select Employee Groups.
See current membership details

Related Posts

View all posts from:

2012

9/21 - 2.25% APY 5- Year CD
8/20 - Competitive CD Rates at Empower Federal Credit Union in New York
1/11 - Empower Federal Credit Union Pays $2.5 Million Bonuses To Members

Reviews (1)

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SPONSORED LISTINGS

11-Month No-Penalty CD

Security & Flexibility
with Access to Funds.
Member FDIC.

GS Bank offers
online savings accounts that
routinely beat the competition

Amazing - Bye Bye Solvay Bank

Posted by: BTR | May 22, 2017

Once you try this organization, you will wonder how you banked anywhere else. once upon a time I was with Solvay Bank. Terrible, especially in comparison.
My wife and I have now moved everything over to Empower, and have not regretted it one bit.
Just the savings from fees is worth it. Rates are great and the customer service is second to none.

If you qualify to bank here - do it!

Comment

1

Health

A

Data as of Q2 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #	3025
Year Chartered	1939
Employees	462
Primary Regulator

Profit Margin
Return on Assets - YTD	0.89%
Return on Equity - YTD	9.08%
Annual Interest Income	$33.2MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$1.66B$1.52B
Loans	Q2 2017vs Q2 2016	$1.28B$1.19B
Deposits	Q2 2017vs Q2 2016	$1.47B$1.36B
Equity Capital	Q2 2017vs Q2 2016	$160.9MM$150.5MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$13.0MM$11.0MM
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$8.6MM$11.2MM
Real Estate Owned	Q2 2017vs Q2 2016	$794.00K$1.3MM

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Empower Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$10k^*	-	HSA Share Draft Checking
OTHER TIERS: 0.10% → Up to $2,500 \| 0.15% → $2,500 - $5k \| 0.20% → $5k - $10k
0.15%	-	-	Regular Share Savings
0.15%	-	-	IRA Share Savings Account
0.15%	-	-	Health Savings Account (HSA)
0.15%	-	-	Generations - Dollar Dog Kids Club
0.15%	-	-	Generations - Teen Zone
0.15%	-	-	Holiday Club Account
0.15%	-	-	Vacation Club Account
0.15%	-	-	Insurance Club Account
0.15%	-	-	Empower Club Account
0.15%	-	-	Business Share Savings Account

Empower Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$250k^*	-	Premium Money Market
OTHER TIERS: 0.25% → $2,500 - $10k \| 0.30% → $10k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k \| 0.45% → $100k - $250k
0.50%^*	$250k^*	-	Premium Money Market IRA
OTHER TIERS: 0.25% → $2,500 - $10k \| 0.30% → $10k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k \| 0.45% → $100k - $250k
0.50%^*	$250k^*	-	Business Money Market Account
OTHER TIERS: 0.25% → $2,500 - $10k \| 0.30% → $10k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k \| 0.45% → $100k - $250k

Empower Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.90%^*	$100k^*	-	5 Year Share Certificate
OTHER TIERS: 1.60% → $500 - $2,500 \| 1.65% → $2,500 - $5k \| 1.70% → $5k - $10k \| 1.75% → $10k - $25k \| 1.80% → $25k - $50k \| 1.85% → $50k - $100k
1.90%^*	$100k^*	-	10 Year Share Certificate
OTHER TIERS: 1.60% → $500 - $2,500 \| 1.65% → $2,500 - $5k \| 1.70% → $5k - $10k \| 1.75% → $10k - $25k \| 1.80% → $25k - $50k \| 1.85% → $50k - $100k
1.90%^*	$100k^*	-	Business 5 Year Share Certificate
OTHER TIERS: 1.60% → $500 - $2,500 \| 1.65% → $2,500 - $5k \| 1.70% → $5k - $10k \| 1.75% → $10k - $25k \| 1.80% → $25k - $50k \| 1.85% → $50k - $100k
1.90%^*	$100k^*	-	Business 10 Year Share Certificate
OTHER TIERS: 1.60% → $500 - $2,500 \| 1.65% → $2,500 - $5k \| 1.70% → $5k - $10k \| 1.75% → $10k - $25k \| 1.80% → $25k - $50k \| 1.85% → $50k - $100k
1.80%^*	$100k^*	-	4 Year Share Certificate
OTHER TIERS: 1.50% → $500 - $2,500 \| 1.55% → $2,500 - $5k \| 1.60% → $5k - $10k \| 1.65% → $10k - $25k \| 1.70% → $25k - $50k \| 1.75% → $50k - $100k
1.80%^*	$100k^*	-	Business 4 Year Share Certificate
OTHER TIERS: 1.50% → $500 - $2,500 \| 1.55% → $2,500 - $5k \| 1.60% → $5k - $10k \| 1.65% → $10k - $25k \| 1.70% → $25k - $50k \| 1.75% → $50k - $100k
1.50%^*	$100k^*	-	3 Year Share Certificate
OTHER TIERS: 1.20% → $500 - $2,500 \| 1.25% → $2,500 - $5k \| 1.30% → $5k - $10k \| 1.35% → $10k - $25k \| 1.40% → $25k - $50k \| 1.45% → $50k - $100k
1.50%^*	$100k^*	-	Business 3 Year Share Certificate
OTHER TIERS: 1.20% → $500 - $2,500 \| 1.25% → $2,500 - $5k \| 1.30% → $5k - $10k \| 1.35% → $10k - $25k \| 1.40% → $25k - $50k \| 1.45% → $50k - $100k
1.35%^*	$100k^*	-	30 Month Share Savings Certificate
OTHER TIERS: 1.05% → $500 - $2,500 \| 1.10% → $2,500 - $5k \| 1.15% → $5k - $10k \| 1.20% → $10k - $25k \| 1.25% → $25k - $50k \| 1.30% → $50k - $100k
1.35%^*	$100k^*	-	Business 30 Month Share Certificate
OTHER TIERS: 1.05% → $500 - $2,500 \| 1.10% → $2,500 - $5k \| 1.15% → $5k - $10k \| 1.20% → $10k - $25k \| 1.25% → $25k - $50k \| 1.30% → $50k - $100k
1.20%^*	$100k^*	-	24 Month Share Certificate
OTHER TIERS: 0.90% → $500 - $2,500 \| 0.95% → $2,500 - $5k \| 1.00% → $5k - $10k \| 1.05% → $10k - $25k \| 1.10% → $25k - $50k \| 1.15% → $50k - $100k
1.20%^*	$100k^*	-	24 Month Generation Wealth Builder Share Certificate
OTHER TIERS: 0.90% → $100 - $2,500 \| 0.95% → $2,500 - $5k \| 1.00% → $5k - $10k \| 1.05% → $10k - $25k \| 1.10% → $25k - $50k \| 1.15% → $50k - $100k
1.20%^*	$100k^*	-	Business 24 Month Share Certificate
OTHER TIERS: 0.90% → $500 - $2,500 \| 0.95% → $2,500 - $5k \| 1.00% → $5k - $10k \| 1.05% → $10k - $25k \| 1.10% → $25k - $50k \| 1.15% → $50k - $100k
1.10%^*	$100k^*	-	18 Month Share Certificate
OTHER TIERS: 0.80% → $500 - $2,500 \| 0.85% → $2,500 - $5k \| 0.90% → $5k - $10k \| 0.95% → $10k - $25k \| 1.00% → $25k - $50k \| 1.05% → $50k - $100k
1.10%^*	$100k^*	-	Business 18 Month Share Certificate
OTHER TIERS: 0.80% → $500 - $2,500 \| 0.85% → $2,500 - $5k \| 0.90% → $5k - $10k \| 0.95% → $10k - $25k \| 1.00% → $25k - $50k \| 1.05% → $50k - $100k
0.85%^*	$100k^*	-	12 Month Share Certificate
OTHER TIERS: 0.55% → $500 - $2,500 \| 0.60% → $2,500 - $5k \| 0.65% → $5k - $10k \| 0.70% → $10k - $25k \| 0.75% → $25k - $50k \| 0.80% → $50k - $100k
0.85%^*	$100k^*	-	12 Month Generation Wealth Builder Share Certificate
OTHER TIERS: 0.55% → $100 - $2,500 \| 0.60% → $2,500 - $5k \| 0.65% → $5k - $10k \| 0.70% → $10k - $25k \| 0.75% → $25k - $50k \| 0.80% → $50k - $100k
0.85%^*	$100k^*	-	Business 12 Month Share Certificate
OTHER TIERS: 0.55% → $500 - $2,500 \| 0.60% → $2,500 - $5k \| 0.65% → $5k - $10k \| 0.70% → $10k - $25k \| 0.75% → $25k - $50k \| 0.80% → $50k - $100k
0.65%^*	$100k^*	-	6 Month Share Certificate
OTHER TIERS: 0.35% → $500 - $2,500 \| 0.40% → $2,500 - $5k \| 0.45% → $5k - $25k \| 0.55% → $25k - $50k \| 0.60% → $50k - $100k
0.65%^*	$100k^*	-	Business 6 Month Share Certificate
OTHER TIERS: 0.35% → $500 - $2,500 \| 0.40% → $2,500 - $5k \| 0.45% → $5k - $10k \| 0.50% → $10k - $25k \| 0.55% → $25k - $50k \| 0.60% → $50k - $100k
0.25%	$500	-	3 Month Share Certificate
0.25%	$500	-	Business 3 Month Share Certificate

Empower Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.90%^*	$100k^*	-	5 Year Share Savings Certificate IRA
OTHER TIERS: 1.60% → $500 - $2,500 \| 1.65% → $2,500 - $5k \| 1.70% → $5k - $10k \| 1.75% → $10k - $25k \| 1.80% → $25k - $50k \| 1.85% → $50k - $100k
1.90%^*	$100k^*	-	10 Year Share Savings Certificate IRA
OTHER TIERS: 1.60% → $500 - $2,500 \| 1.65% → $2,500 - $5k \| 1.70% → $5k - $10k \| 1.75% → $10k - $25k \| 1.80% → $25k - $50k \| 1.85% → $50k - $100k
1.80%^*	$100k^*	-	4 Year Share Savings Certificate IRA
OTHER TIERS: 1.50% → $500 - $2,500 \| 1.55% → $2,500 - $5k \| 1.60% → $5k - $10k \| 1.65% → $10k - $25k \| 1.70% → $25k - $50k \| 1.75% → $50k - $100k
1.50%^*	$100k^*	-	3 Year Share Savings Certificate IRA
OTHER TIERS: 1.20% → $500 - $2,500 \| 1.25% → $2,500 - $5k \| 1.30% → $5k - $10k \| 1.35% → $10k - $25k \| 1.40% → $25k - $50k \| 1.45% → $50k - $100k
1.35%^*	$100k^*	-	30 Month Share Savings Certificate IRA
OTHER TIERS: 1.05% → $500 - $2,500 \| 1.10% → $2,500 - $5k \| 1.15% → $5k - $10k \| 1.20% → $10k - $25k \| 1.25% → $25k - $50k \| 1.30% → $50k - $100k
1.20%^*	$100k^*	-	24 Month Share Savings Certificate IRA
OTHER TIERS: 0.90% → $500 - $2,500 \| 0.95% → $2,500 - $5k \| 1.00% → $5k - $10k \| 1.05% → $10k - $25k \| 1.10% → $25k - $50k \| 1.15% → $50k - $100k
1.10%^*	$100k^*	-	18 Month Share Savings Certificate IRA
OTHER TIERS: 0.80% → $500 - $2,500 \| 0.85% → $2,500 - $5k \| 0.90% → $5k - $10k \| 0.95% → $10k - $25k \| 1.00% → $25k - $50k \| 1.05% → $50k - $100k
0.85%^*	$100k^*	-	12 Month Share Savings Certificate IRA
OTHER TIERS: 0.55% → $500 - $2,500 \| 0.60% → $2,500 - $5k \| 0.65% → $5k - $10k \| 0.70% → $10k - $25k \| 0.75% → $25k - $50k \| 0.80% → $50k - $100k
0.65%^*	$100k^*	-	6 Month Share Savings Certificate IRA
OTHER TIERS: 0.35% → $500 - $2,500 \| 0.40% → $2,500 - $5k \| 0.45% → $5k - $25k \| 0.55% → $25k - $50k \| 0.60% → $50k - $100k
0.25%	$500	-	3 Month Share Savings Certificate IRA

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Syracuse Area

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