Rates Locations About Us Contact Us Submit Query New User Registration Enhancement Guide Home Personal Business Member Center Apply for a Loan Open Account Pause Empower Mastercard® Rewards jingle all the way to rewards Learn More 1 2 3 4 Previous Next Join Us Apply for a Loan IRA / HSA Locations ATM Search Rates 2021 Homebuyer Dream ProgramTM The 2021 Homebuyer Dream Program (HDP) funds are exhausted. We are no longer accepting purchase contracts. Learn More 3.49%APR Home Equity Loans 60 months Additional rate, terms and disclosures available on the Consumer Loans Tab. View Rates/Disclosures Empower Insurance Services, LLC Talk with our agents for a comprehensive review of your insurance needs. Learn More First Time Home Buyers Buying your first home is a big step, but it doesn't have to be a scary one. View Mortgages Empower Learning Center Resources at your fingertips. Investment Services & Retirement Solutions Insurance Financial Education Security Center Auto Search Empower Tax Services What do you want out of life? Empower Federal Credit Union welcomes employees of many companies, immediate family/household members of employees and retirees, as well as our outreach to underserved communities to enjoy personal and business banking solutions including auto loans, mortgages*, credit cards and more. Bank online, in any central NY branch, or call us at 315.477.2200. * Home mortgages available in FL, PA, CT, NY and NC. Routing Number: 221380127 315.477.2200 | 800.462.5000 Facebook Twitter Android Apple Personal Business Member Center Careers Disclosures Website/Online Privacy Statement News Browser Requirements Sitemap Accessibility This credit union is federally insured by the National Credit Union Administration. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Equal Housing Lender. We operate in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. © 2019 Empower - All rights reserved Site designed by ZAG Interactive