Credit Unions | Empower Federal Credit Union

Empower Federal Credit Union

ACH Number: 221373710

Empower Federal Credit Union is a NCUA insured federal credit union headquartered at 1 Member Way, Syracuse, NY 13212.
It was founded in 1939 and has approximately $4,074 million in assets. Customers can open an account at one of its 37 branches.

Deposit Rates - March 09, 2026

SAVINGS RATES	APY	MIN
SAV	0.55%	$0	Compare

CD RATES	APY	MIN
6 Mo CD	3.05%	$500	Compare
12 Mo CD	3.30%	$500	Compare
18 Mo CD	3.35%	$500	Compare
24 Mo CD	3.85%	$500	Compare
36 Mo CD	3.80%	$500	Compare
48 Mo CD	3.80%	$500	Compare
60 Mo CD	3.90%	$500	Compare

MM RATES	APY	MIN
Money Market	1.05%	$2,500	Compare
Money Market	1.15%	$10,000	Compare
Money Market	1.25%	$25,000	Compare
Money Market	1.35%	$50,000	Compare
Money Market	1.45%	$100,000	Compare
Money Market	1.55%	$250,000	Compare

Featured Home Equity Rates

Lender APR(%) Min.Initial
Draw Amount Learn More
Sponsored

Advertiser Disclosure

Figure Home Equity Line
NMLS ID: 1717824 / Updated 2026-03-09
Equal Housing Lender

#1 Non-bank HELOC in the US, A+ BBB Rating

#1 Non-bank HELOC in the US, A+ BBB Rating
Access $15,000 to $750,000 in home equity with flexible terms
Approval in as few as 5 minutes, funding in as few as 5 days
Use to consolidate debt, finance your next home project, or major expenses

Third Federal Savings and Loan
NMLS ID: 449401 / Updated 2026-03-04
Equal Housing Lender

Intro APR: 6.240 %
After Intro:6.240 %

Third Federal rate are typically 20% lower than other leaders
Guaranteed Lowest Rate
No closing costs, prepayment penalties, or minimum draw requirements
10 year draw period

Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US

Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-12-22

Intro APR: 5.990 %
After Intro:7.000 %
Intro Period: 12 months

$25,000

Tap into your home's equity & access the funds you need with a HELOC
Apply online or speak with a specialist
No application, origination & appraisal fees on lines up to $500K[3]
On average, access funds within 35 days[5]

Farmers Bank of Kansas City
NMLS ID: 613839 / Updated 2026-03-05
Equal Housing Lender

Intro APR: 7.250 %
After Intro:7.250 %

$25,000

Customized Rate Quote
24/7 Online Borrower Portal
Streamlined Online Application
Up to 100% LTV

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Reliant Home Funding, Inc.
NMLS ID: 292473

5.742%

$1,842 Fees & Points $4,142 Total
0.671 Pts ($2,147)
$1,995 Fees

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding

Farmers Bank of Kansas City
NMLS ID: 613839

5.875%

$1,868 Fees & Points $4,374 Total
0.777 Pts ($2,486)
$1,888 Fees

Competitive rates.
Surprisingly smooth process.

Rocket Mortgage
NMLS ID: 3030

Fees & Points Total
Pts ($0)
$0 Fees

Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms

Quicken Loans
NMLS ID: 167283

Fees & Points Total
Pts ($0)
$0 Fees

Homeowners best kept secret for cash
See if a HELOAN could lower payments
Access cash without a changing your rate

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Overview 2026

General Credit Union Information

NCUA Insured	Yes / Federally Chartered
Charter Number	# 3025
Date Established	1939
Assets	$4,073.80 million
Loans	$3,445.11 million
Deposits	$3,660.95 million
Capital	$396.27 million

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Branches

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