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Empower Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.85%5-year CD5 Year Share Certificate
1.70%4-year CD4 Year Share Certificate
1.40%3-year CD3 Year Share Certificate

Overview / Commentary
315-477-2200
1 Member Way
Syracuse, NY 13212

Empower Federal Credit Union is headquartered in Syracuse and is the 12th largest credit union in the state of New York. It is also the 149th largest credit union in the nation. It was established in 1939 and as of June of 2016, it had grown to 448 employees and 167,304 members at 25 locations. Empower Federal Credit Union 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.
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Health
A

Health Grade Components

Overall
NCUA #3025
Year Chartered1939
Employees448
Primary Regulator
Profit Margin
Return on Assets - YTD1.54%
Return on Equity - YTD15.37%
Annual Interest Income$31.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$1.52B$1.36B
LoansQ2 2016vs Q2 2015$1.19B$1.08B
DepositsQ2 2016vs Q2 2015$1.36B$1.21B
Equity CapitalQ2 2016vs Q2 2015$150.5MM$133.9MM
Loan Loss AllowanceQ2 2016vs Q2 2015$11.0MM$9.2MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$11.2MM$8.7MM
Real Estate OwnedQ2 2016vs Q2 2015$1.3MM$1.4MM
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

APYMINMAXACCOUNT NAMEVIEW 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%--Generations - 50 Plus
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
0.15%--Coverdell Savings Account

Empower Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$250k*-Premium Money Market
OTHER TIERS: 0.20% $2,500 - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k | 0.35% $100k - $250k
0.40%*$250k*-Premium Money Market IRA
OTHER TIERS: 0.20% $2,500 - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k | 0.35% $100k - $250k
0.40%*$250k*-Business Money Market Account
OTHER TIERS: 0.20% $2,500 - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k | 0.35% $100k - $250k
0.40%*$250k*-Premium Money Market Education IRA
OTHER TIERS: 0.20% $2,500 - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k | 0.35% $100k - $250k

Empower Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.85%*$100k*-5 Year Share Certificate
OTHER TIERS: 1.55% $500 - $2,500 | 1.60% $2,500 - $5k | 1.65% $5k - $10k | 1.70% $10k - $25k | 1.75% $25k - $50k | 1.80% $50k - $100k
1.85%*$100k*-10 Year Share Certificate
OTHER TIERS: 1.55% $500 - $2,500 | 1.60% $2,500 - $5k | 1.65% $5k - $10k | 1.70% $10k - $25k | 1.75% $25k - $50k | 1.80% $50k - $100k
1.85%*$100k*-Business 5 Year Share Certificate
OTHER TIERS: 1.55% $500 - $2,500 | 1.60% $2,500 - $5k | 1.65% $5k - $10k | 1.70% $10k - $25k | 1.75% $25k - $50k | 1.80% $50k - $100k
1.85%*$100k*-Business 10 Year Share Certificate
OTHER TIERS: 1.55% $500 - $2,500 | 1.60% $2,500 - $5k | 1.65% $5k - $10k | 1.70% $10k - $25k | 1.75% $25k - $50k | 1.80% $50k - $100k
1.70%*$100k*-4 Year Share Certificate
OTHER TIERS: 1.40% $500 - $2,500 | 1.45% $2,500 - $5k | 1.50% $5k - $10k | 1.55% $10k - $25k | 1.60% $25k - $50k | 1.65% $50k - $100k
1.70%*$100k*-Business 4 Year Share Certificate
OTHER TIERS: 1.40% $500 - $2,500 | 1.45% $2,500 - $5k | 1.50% $5k - $10k | 1.55% $10k - $25k | 1.60% $25k - $50k | 1.65% $50k - $100k
1.40%*$100k*-3 Year Share Certificate
OTHER TIERS: 1.10% $500 - $2,500 | 1.15% $2,500 - $5k | 1.20% $5k - $10k | 1.25% $10k - $25k | 1.30% $25k - $50k | 1.35% $50k - $100k
1.40%*$100k*-Business 3 Year Share Certificate
OTHER TIERS: 1.10% $500 - $2,500 | 1.15% $2,500 - $5k | 1.20% $5k - $10k | 1.25% $10k - $25k | 1.30% $25k - $50k | 1.35% $50k - $100k
1.20%*$100k*-30 Month Share Savings 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*-Business 30 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*-24 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*-24 Month Generation Wealth Builder Share Certificate
OTHER TIERS: 0.80% $100 - $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 24 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
0.90%*$100k*-18 Month Share Certificate
OTHER TIERS: 0.60% $500 - $2,500 | 0.65% $2,500 - $5k | 0.70% $5k - $10k | 0.75% $10k - $25k | 0.80% $25k - $50k | 0.85% $50k - $100k
0.90%*$100k*-Business 18 Month Share Certificate
OTHER TIERS: 0.60% $500 - $2,500 | 0.65% $2,500 - $5k | 0.70% $5k - $10k | 0.75% $10k - $25k | 0.80% $25k - $50k | 0.85% $50k - $100k
0.75%*$100k*-12 Month Share Certificate
OTHER TIERS: 0.45% $500 - $2,500 | 0.50% $2,500 - $5k | 0.55% $5k - $10k | 0.60% $10k - $25k | 0.65% $25k - $50k | 0.70% $50k - $100k
0.75%*$100k*-12 Month Generation Wealth Builder Share Certificate
OTHER TIERS: 0.45% $100 - $2,500 | 0.50% $2,500 - $5k | 0.55% $5k - $10k | 0.60% $10k - $25k | 0.65% $25k - $50k | 0.70% $50k - $100k
0.75%*$100k*-Business 12 Month Share Certificate
OTHER TIERS: 0.45% $500 - $2,500 | 0.50% $2,500 - $5k | 0.55% $5k - $10k | 0.60% $10k - $25k | 0.65% $25k - $50k | 0.70% $50k - $100k
0.35%$500-6 Month Share Certificate
0.35%$500-Business 6 Month Share Certificate
0.25%$500-3 Month Share Certificate
0.25%$500-Business 3 Month Share Certificate

Empower Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.85%*$100k*-5 Year Share Savings Certificate IRA
OTHER TIERS: 1.55% $500 - $2,500 | 1.60% $2,500 - $5k | 1.65% $5k - $10k | 1.70% $10k - $25k | 1.75% $25k - $50k | 1.80% $50k - $100k
1.85%*$100k*-10 Year Share Savings Certificate IRA
OTHER TIERS: 1.55% $500 - $2,500 | 1.60% $2,500 - $5k | 1.65% $5k - $10k | 1.70% $10k - $25k | 1.75% $25k - $50k | 1.80% $50k - $100k
1.70%*$100k*-4 Year Share Savings Certificate IRA
OTHER TIERS: 1.40% $500 - $2,500 | 1.45% $2,500 - $5k | 1.50% $5k - $10k | 1.55% $10k - $25k | 1.60% $25k - $50k | 1.65% $50k - $100k
1.40%*$100k*-3 Year Share Savings Certificate IRA
OTHER TIERS: 1.10% $500 - $2,500 | 1.15% $2,500 - $5k | 1.20% $5k - $10k | 1.25% $10k - $25k | 1.30% $25k - $50k | 1.35% $50k - $100k
1.20%*$100k*-30 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*-24 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
0.90%*$100k*-18 Month Share Savings Certificate IRA
OTHER TIERS: 0.60% $500 - $2,500 | 0.65% $2,500 - $5k | 0.70% $5k - $10k | 0.75% $10k - $25k | 0.80% $25k - $50k | 0.85% $50k - $100k
0.75%*$100k*-12 Month Share Savings Certificate IRA
OTHER TIERS: 0.45% $500 - $2,500 | 0.50% $2,500 - $5k | 0.55% $5k - $10k | 0.60% $10k - $25k | 0.65% $25k - $50k | 0.70% $50k - $100k
0.35%$500-6 Month Share Savings Certificate IRA
0.25%$500-3 Month Share Savings Certificate IRA
Locations

Empower Federal Credit Union has 25 locations. Click to view all Empower Federal Credit Union locations.