# Empower FCU Empower Federal Credit Union in Central NY offers checking and savings accounts, loans, mortgages, credit cards and much more. Explore our products now. ## General Pages - [Wealth Management Estate & Elder Care Planning Seminar ](https://www.empowerfcu.com/wealth-management-eps) - [Terms of Use](https://www.empowerfcu.com/termsofuse) - At Empower Federal Credit Union in Central NY, we respect your need for privacy and security as you visit our website. Read our Online Privacy Policy now. - [Privacy ](https://www.empowerfcu.com/privacy) - At Empower Federal Credit Union in Central NY, we respect your privacy and provide thorough explanations about our online banking policies. Learn more. - [Privacy Request](https://www.empowerfcu.com/privacy-request) - [Website Accessibility](https://www.empowerfcu.com/website-accessibility) - At Empower Federal Credit Union, we strive to make our website accessible to all users and have integrated WCAG guidelines. Learn more about accessibility. - [Digital Photo Release ](https://www.empowerfcu.com/digitalphotorelease) - By completing the Photo Release Form for Empower Federal Credit Union in Central NY, photos can be used as marketing images. Ensure consent with our form. - [Sitemap](https://www.empowerfcu.com/sitemap) - View Empower Federal Credit Union's sitemap for an overview of savings and checking accounts, loan products and everything that is located on our website. - [Privacy Policy](https://www.empowerfcu.com/privacypolicy) - Empower Federal Credit Union in Central and Southern Tier NY respects members online privacy. We provide a detailed privacy policy for you. Read more. - [Online Privacy Policy](https://www.empowerfcu.com/online-privacy-policy) - At Empower Federal Credit Union in Central NY, we respect your need for privacy as you visit our website. View our online privacy policy to learn more. - [Disclosures](https://www.empowerfcu.com/disclosures) - Access privacy policies for ADA compliance, Denial of Services, Online Bill Pay and other disclosures from Empower Federal Credit Union in Central NY. - [Browser Requirements](https://www.empowerfcu.com/browser-requirements) - Empower Federal Credit Union offers a fantastic user experience on our website and we recommend using updated browsers for better security. Learn more. - [Apply for a Business Loan ](https://www.empowerfcu.com/member-center/apply-for-a-business-loan) - Purchase equipment, expand your vehicle fleet or renovate your facilities with a business loan from Empower Federal Credit Union in Central NY. Apply now. - [Apply for $50,000+ Business Loan](https://www.empowerfcu.com/member-center/apply-for-a-business-loan/apply-for-$50-000-business-loan) - Empower Federal Credit Union is here to help you get a $50k+ business loan in Central NY. Download our Credit Application and Finance Statement Form now. - [Open an Account](https://www.empowerfcu.com/member-center/open-an-account) - Empower Federal Credit Union offers a variety of checking and savings accounts in Central NY. Find out how to open an account as a new or existing member. - [About Us](https://www.empowerfcu.com/about-us) - Take a closer look at what makes Empower Federal Credit Union in Central and Southern Tier NY so special. Learn about us, our story, membership and more. - [American Consumer Council ](https://www.empowerfcu.com/about-us/american-consumer-council-membership) - Empower Federal Credit Union in Central NY partners with the American Consumer Council to connect you to key educational resources. Learn how to join. - [Rates ](https://www.empowerfcu.com/about-us/rates) - Save more on loans and earn more on deposits with Empower Federal Credit Union in Central NY. Explore our Savings, Loan, Credit Card and Mortgage Rates. - [Credit Card Rates](https://www.empowerfcu.com/about-us/rates/credit-card-rates) - Enjoy peace of mind knowing that your reward credit card from Empower Federal Credit Union in Central NY comes with budget friendly rates. Explore now. - [Mortgage Rates](https://www.empowerfcu.com/about-us/rates/mortgage-rates) - Whether you need fixed or adjustable interest rates, Empower Federal Credit Union in Central NY has great mortgage rates. Visit our website to explore. - [Home Equity Rates ](https://www.empowerfcu.com/about-us/rates/home-equity-rates) - Home equity loan rates are some of the lowest of all loan rates. Visit Empower Federal Credit Union's website today to view our central NY HELOC rates. - [Personal Loan Rates](https://www.empowerfcu.com/about-us/rates/personal-loan-rates) - Whether you want solar panels or to go on vacation, Empower Federal Credit Union offers personal loan rates to keep your Southern Tier NY payments low. - [Auto Rates](https://www.empowerfcu.com/about-us/rates/auto-rates) - Empower Federal Credit Union in Central NY is driven to keep your auto loan payments as low as possible. Explore our vehicle financing rates online now. - [Deposit & Savings Rates](https://www.empowerfcu.com/about-us/rates/deposit-savings-rates) - Empower Federal Credit Union offers dividend payments that push your savings to higher levels. Explore our central NY deposit account rates online today. - [Holiday Schedule ](https://www.empowerfcu.com/about-us/holiday-schedule) - Empower Federal Credit Union's branches in Central and Southern Tier NY will be closed for certain holidays during the year. View our Holiday Schedule now. - [Locations & Hours](https://www.empowerfcu.com/about-us/locations-hours) - Head to one of Empower Federal Credit Union's nearby branch locations in Central NY to apply for a loan, open an account or get cash at the ATM. Visit us. - [Contact Us](https://www.empowerfcu.com/about-us/contact-us) - At Empower Federal Credit Union in Central and Southern Tier NY, we're easy to reach whenever you have questions. Get our phone number and contact us now. - [FAQs](https://www.empowerfcu.com/about-us/faqs) - Empower Federal Credit Union in Central NY has compiled the questions members ask most frequently so you can search them quickly. Check out our FAQs now. - [News](https://www.empowerfcu.com/about-us/news) - Get the latest financial news from Empower Federal Credit Union in Central and Southern Tier NY including our annual report and newsletters. Explore news. - [Careers](https://www.empowerfcu.com/about-us/careers) - Looking for a credit union job in Central or Southern Tier New York? Empower Federal Credit Union offers careers with benefits. View our open positions. - [Membership](https://www.empowerfcu.com/about-us/membership) - Learn about eligibility, benefits, and how to become a member of Empower Federal Credit Union with branches in Central & Southern Tier NY. Apply to join. - [Our Story](https://www.empowerfcu.com/about-us/our-story) - Empower Federal Credit Union has been proudly serving members in Central and Southern Tier New York since 2007. Read our story to learn about our history. - [Become a Member Company ](https://www.empowerfcu.com/business/membership-benefits/become-a-member-company) - Becoming a member company with Empower Federal Credit Union in Central NY opens the door to exceptional financial services and much more. Join us today. - [Send and Receive Money with Zelle® ](https://www.empowerfcu.com/business/online-mobile/send-and-receive-money-with-zelle) - Need to send and receive money? Empower Federal Credit Union in Central NY offers Zelle to easily transfer funds. Try P2P payments by downloading our app. - [Money Transfers](https://www.empowerfcu.com/business/online-mobile/money-transfers) - Empower Federal Credit Union in Central NY helps you transfer money from outside accounts into your business banking accounts with ease. Contact us now. - [Business Banking Services](https://www.empowerfcu.com/business/online-mobile/small-business-banking) - Empower Federal Credit Union offers business banking solutions in Central NY like merchant services, ACH, Paychex, and wire transfers. Contact us today. - [Business Online Banking ](https://www.empowerfcu.com/business/online-mobile/online-banking) - Business online banking from Empower Federal Credit Union in Central NY offers 24/7 account access to monitor transactions and make transfers. Learn more. - [Meet Our Business Lending Team ](https://www.empowerfcu.com/business/borrow-credit/meet-our-business-lending-team) - Looking for a business loan? The Commercial Lending Team at Empower Federal Credit Union in Central NY is ready to assist you. Call or email us today. - [Business Mastercard Credit Card](https://www.empowerfcu.com/business/borrow-credit/business-mastercard-credit-card) - Empower Federal Credit Union offers credit cards with rewards and low rates to help Central NY and Southern Tier business make quick purchases. Apply now. - [Business Term Loans ](https://www.empowerfcu.com/business/borrow-credit/business-term-loans) - Need financing to grow a Central NY business? Get a Business Term Loan at competitive rates from Empower Federal Credit Union. Apply for a business loan. - [SBA Guaranteed Loans ](https://www.empowerfcu.com/business/borrow-credit/sba-guaranteed-loans) - A small business may need the assistance of an SBA Guaranteed Loan that Empower Federal Credit Union in Central NY Offers. View our business financing now. - [Business Lines of Credit ](https://www.empowerfcu.com/business/borrow-credit/business-lines-of-credit) - Looking for business financing in Central NY? Get competitive interest rates on a Business Line of Credit from Empower Federal Credit Union. Apply now. - [Construction Loans](https://www.empowerfcu.com/business/borrow-credit/construction-loans) - The Commercial Lenders at Empower Federal Credit Union in Central NY offer Construction Loans with terms tailored to your building plan. Apply for a loan. - [Commercial Mortgages ](https://www.empowerfcu.com/business/borrow-credit/commercial-mortgages) - Get competitive rates on Commercial Mortgages for construction and real estate projects from Empower Federal Credit Union in Central NY. Apply online now. - [Business Auto Loans](https://www.empowerfcu.com/business/borrow-credit/business-auto-loans) - Business auto loans at Empower Federal Credit Union in Central NY offer great rates, flexible terms and a quick application. Apply for a car loan online. - [Open a Business Membership](https://www.empowerfcu.com/business/save-spend/open-a-business-membership) - When you open a business membership at Empower Federal Credit Union in Central NY, you can access affordable financing opportunities. Contact us today. - [Business Share Certificate ](https://www.empowerfcu.com/business/save-spend/business-share-certificate) - Want higher rates that outpace a traditional savings account? Open a Share Certificate from Empower Federal Credit Union in Central NY to start earning. - [Business Money Market ](https://www.empowerfcu.com/business/save-spend/business-money-market) - Empower Federal Credit Union in Southern Tier NY has a money market for businesses featuring higher dividend rates than most savings accounts. Contact us. - [Business Membership Share Savings ](https://www.empowerfcu.com/business/save-spend/business-membership-share-savings) - Opening the Business Membership Share Savings account at Empower Federal Credit Union secures a membership for your Central NY business. Contact us now. - [Business Checking ](https://www.empowerfcu.com/business/save-spend/business-checking) - Business Checking Accounts with online banking are available for all types of Central NY businesses at Empower Federal Credit Union. Contact us today. - [Overdraft Protection ](https://www.empowerfcu.com/business/save-spend/business-checking/overdraft-protection) - Have your business sign up for a line of credit through Empower Federal Credit Union in Central NY for overdraft protection. Contact us and sign up today. - [Business Debit Mastercard](https://www.empowerfcu.com/business/save-spend/business-checking/business-debit-mastercard) - Business Checking accounts at Empower Federal Credit Union in Central NY include a Business Debit Mastercard. Contact Business Services to learn more. - [Online Resources](https://www.empowerfcu.com/personal/tools-education/online-resources) - Get your credit report, use our calculators, and explore our education center in the online resources from Empower Federal Credit Union in Central NY. - [Empower Federal Credit Union Amphitheater](https://www.empowerfcu.com/personal/tools-education/amphitheater) - Check out the lineup of upcoming concerts at the Empower Federal Credit Union Amphitheater in Central NY and access the theater website for more details. - [Media Kit](https://www.empowerfcu.com/personal/tools-education/amphitheater/media-kit) - Download the Media Kit from Empower Federal Credit Union in Central & Southern Tier NY including a press release, company info and a community fact sheet. - [Community Impact](https://www.empowerfcu.com/personal/tools-education/community-support) - Empower Federal Credit Union is committed to our involvement in local communities with volunteerism, donations and sponsorships in Central NY. Learn more. - [Community Development (CDFI) ](https://www.empowerfcu.com/personal/tools-education/community-support/community-development-cdfi) - Empower Federal Credit Union aids community development in Central NY by providing financial services to those economically disadvantaged. Learn more. - [College & Financial Aid](https://www.empowerfcu.com/personal/tools-education/community-support/college-financial-aid) - College is expensive and Empower Federal Credit Union in Central NY wants to ensure you have a college savings plan in place. View financial aid content. - [Youth Financial Education](https://www.empowerfcu.com/personal/tools-education/youth-financial-education) - Kids & teens can learn about money management with the youth financial literacy articles from Empower Federal Credit Union in Central NY. Explore more. - [Dollar Dog Youth Education](https://www.empowerfcu.com/personal/tools-education/youth-financial-education/dollar-dog-youth-education) - Learn how Dollar Dog Youth Education and a savings account from Empower Federal Credit Union in Central NY can help you teach kids and teens about money. - [Security & Fraud Center ](https://www.empowerfcu.com/personal/tools-education/security-fraud-center) - Learn about fraud prevention and how you can protect your online accounts in the Security and Fraud Center from Empower Federal Credit Union in Central NY. - [Financial Calculators](https://www.empowerfcu.com/personal/tools-education/financial-calculators) - Empower Federal Credit Union's financial calculators help you run the numbers on loans, mortgages, savings goals and much more. Explore our calculators. - [Dividend Calculator](https://www.empowerfcu.com/personal/tools-education/financial-calculators/dividend-calculator) - Start saving and discover what your initial investment with Empower Federal Credit Union can earn by using our dividend calculator. Open a savings account. - [Mortgage Calculators](https://www.empowerfcu.com/personal/tools-education/financial-calculators/mortgage-calculators) - The mortgage calculators offered by Empower Federal Credit Union can help you calculate your home loan payment, compare mortgages and more. Explore now. - [Should I pay discount points?](https://www.empowerfcu.com/personal/tools-education/financial-calculators/mortgage-calculators/should-i-pay-discount-points) - Should you buy mortgage points to get a lower home loan interest rate? Use Empower Federal Credit Union's financial calculator to see if it's worth it. - [Should I make extra payments on my mortgage](https://www.empowerfcu.com/personal/tools-education/financial-calculators/mortgage-calculators/should-i-make-extra-payments-on-my-mortgage) - By making extra payments on a mortgage you could build equity faster. Use Empower Federal Credit Union's calculator to see how your mortgage could benefit. - [Should I refinance my home?](https://www.empowerfcu.com/personal/tools-education/financial-calculators/mortgage-calculators/should-i-refinance-my-hone) - Now is the time to lock in an interest rate for the period of your home loan. Use Empower Federal Credit Union's refinance calculator to compare options. - [Comparing Mortgages](https://www.empowerfcu.com/personal/tools-education/financial-calculators/mortgage-calculators/comparing-mortgages) - With different interest rates out there it is hard to know which loan is best. Use Empower Federal Credit Union's comparing mortgage calculator today. - [How much of a down payment should I make on my new home?](https://www.empowerfcu.com/personal/tools-education/financial-calculators/mortgage-calculators/how-much-of-a-down-payment-should-i-make-on-my-new-home) - Use this calculator from Empower Federal Credit Union to compare up to 3 different mortgage down payment options to find the one that works best for you. - [How much home can I afford?](https://www.empowerfcu.com/personal/tools-education/financial-calculators/mortgage-calculators/how-much-home-can-i-afford) - Buying a home? Use this mortgage calculator from Empower Federal Credit Union to figure out how much home you can comfortably afford. Run the numbers now. - [Mortgage Payment Calculator](https://www.empowerfcu.com/personal/tools-education/financial-calculators/mortgage-calculators/mortgage-payment-calculator) - Use this mortgage calculator from Empower Federal Credit Union to estimate what your monthly mortgage loan payments will be so you can budget accurately. - [Savings Calculators](https://www.empowerfcu.com/personal/tools-education/financial-calculators/savings-calculators) - The Savings Calculators from Empower Federal Credit Union can help you save for a goal like college or to become the next billionaire. Get started now. - [How long until I reach my savings goal?](https://www.empowerfcu.com/personal/tools-education/financial-calculators/savings-calculators/how-long-until-i-reach-my-savings-goal) - Figure out how long it might take you to reach a savings goal with this handy financial calculator from Empower Federal Credit Union. Run the numbers now. - [How much will my Certificate be worth at maturity?](https://www.empowerfcu.com/personal/tools-education/financial-calculators/savings-calculators/how-much-will-my-certificate-be-worth-at-maturity) - See how much a CD or Certificate account will be worth when it matures. Use this financial calculator from Empower Federal Credit Union to figure it out. - [Retirement Savings & Planning](https://www.empowerfcu.com/personal/tools-education/financial-calculators/retirement-savings-planning) - Create a long-term savings strategy for your retirement years using these calculators from Empower Federal Credit Union. Explore our calculators now. - [Compare Roth 401(k) and Traditional 401(k) retirement savings](https://www.empowerfcu.com/personal/tools-education/financial-calculators/retirement-savings-planning/compare-roth-401-k-and-traditional-401-k-retiement-savngsp) - Planning for retirement? Find out if you'll get better returns with a Roth or Traditional 401(k) using this calculator from Empower Federal Credit Union. - [How much will I need to save for retirement?](https://www.empowerfcu.com/personal/tools-education/financial-calculators/retirement-savings-planning/how-much-will-i-need-to-save-for-retirement) - Wondering how much you should save for a comfortable retirement? Get some help figuring it out with Empower Federal Credit Union's financial calculator. - [Loan Calculators](https://www.empowerfcu.com/personal/tools-education/financial-calculators/loan-calculators) - Can you afford the car or home you want to purchase? Compare all of your options with Empower Federal Credit Union's loan calculators. Get started online. - [How much will my Driving Sense loan be?](https://www.empowerfcu.com/personal/tools-education/financial-calculators/loan-calculators/how-much-will-my-driving-sense-loan-be) - Looking for a new or used car loan? Empower Federal Credit Union's calculator can help you get a quote by VIN and see how much your auto loan will be. - [Should I consolidate my debts?](https://www.empowerfcu.com/personal/tools-education/financial-calculators/loan-calculators/should-i-consolidate-my-debts) - Are you wondering if you should consolidate your debt into one loan? Use Empower Federal Credit Union's financial calculator to see if you could pay less. - [How much car can I afford?](https://www.empowerfcu.com/personal/tools-education/financial-calculators/loan-calculators/how-much-car-can-i-afford) - Use Empower Federal Credit Union's auto loan calculator to figure out how much car you can afford. Enter your loan and vehicle information to get started. - [Should I take a rebate or low-cost financing?](https://www.empowerfcu.com/personal/tools-education/financial-calculators/loan-calculators/should-i-take-a-rebate-or-low-cost-financing) - Find out if a rebate or low cost financing is the better value for you and your finances with Empower Federal Credit Union's calculator. Try it out today. - [How will extra payments affect my loan?](https://www.empowerfcu.com/personal/tools-education/financial-calculators/loan-calculators/how-will-extra-payments-affect-my-loan) - See how extra payments can affect how fast you pay down your loans with Empower Federal Credit Union's financial calculator. Give it a try online today. - [How long will it take to pay off my loan?](https://www.empowerfcu.com/personal/tools-education/financial-calculators/loan-calculators/how-long-will-it-take-to-pay-off-my-loan) - Wondering how long it will take to payoff your loan? Use this calculator from Empower Federal Credit Union to figure out when you'll payoff your debt. - [How much will my auto payments be?](https://www.empowerfcu.com/personal/tools-education/financial-calculators/loan-calculators/how-much-will-my-auto-payments-be) - How much will your monthly auto payment be? Before purchasing, be sure you know how much you can afford with Empower Federal Credit Union's calculator. - [Trust and Wills](https://www.empowerfcu.com/personal/invest-protect/trust-and-wills) - Get affordable estate planning solutions including trusts, wills and more in Southern Tier and Central NY from Empower Federal Credit Union. Get started. - [Medicare](https://www.empowerfcu.com/personal/invest-protect/medicare) - Have questions about Medicare health insurance coverage? Get the help you need from Empower Federal Credit Union in Central NY. Schedule an appointment. - [Empower Insurance Services LLC](https://www.empowerfcu.com/personal/invest-protect/insurance) - Get coverage you can count on with homeowners, auto, renters and other insurance policies at Empower Federal Credit Union in Central NY. Contact an agent. - [Pet Insurance ](https://www.empowerfcu.com/personal/invest-protect/insurance/pet-insurance-2ed2c554a3b047eac71660e5b58c3a94) - Feel at ease with veterinary care, accidents, and pet expenses in Central NY. View Empower Federal Credit Union's pet insurance and insurance coverages. - [Insurance Agents ](https://www.empowerfcu.com/personal/invest-protect/insurance/insurance-agents) - Empower Federal Credit Union in Southern Tier NY has a great team of insurance agents at your disposal to find the best policies. Learn about our services. - [Commercial Insurance](https://www.empowerfcu.com/personal/invest-protect/insurance/commercial-insurance) - Empower Federal Credit Union in Central NY has your business covered from liability to workers compensation. Contact us for a commercial insurance quote. - [Other Owned Properties ](https://www.empowerfcu.com/personal/invest-protect/insurance/other-owned-properties) - Empower Federal Credit Union in Central NY offers insurance policies for vacation and rental properties. Visit our website now to explore our offerings. - [Umbrella Insurance ](https://www.empowerfcu.com/personal/invest-protect/insurance/umbrella-insurance) - An Umbrella Insurance policy protects you from financial loss if you're faced with litigation. Get a quote from Empower Federal Credit Union in Central NY. - [Home & Renters Insurance ](https://www.empowerfcu.com/personal/invest-protect/insurance/home-renters-insurance) - Empower Federal Credit Union in Central NY offers homeowner and rental policies with discounts depending on what you have in your home. Learn more online. - [Recreational Vehicles ](https://www.empowerfcu.com/personal/invest-protect/insurance/recreational-vehicles) - Protect your boat, RV and more with Empower Federal Credit Union's recreational vehicle insurance policies for Central NY members. Learn more online now. - [Auto Insurance ](https://www.empowerfcu.com/personal/invest-protect/insurance/auto-insurance) - Auto Insurance policies at Empower Federal Credit Union in Central NY may include collisions, car rentals & multi-car discounts. Contact us to learn more. - [Wealth Management ](https://www.empowerfcu.com/personal/invest-protect/wealth-management) - Empower Federal Credit Union's financial advisors in Central NY offer wealth management services like investing, estate planning and more. Get started. - [Term Life Insurance](https://www.empowerfcu.com/personal/invest-protect/wealth-management/term-life-insurance) - Term life insurance offers financial protection for your family over a specific period. Get a quote from Empower Federal Credit Union in Central NY now. - [Claims](https://www.empowerfcu.com/personal/online-mobile/claims) - Find out how to file an insurance claim if you elected credit life or disability on a loan from Empower Federal Credit Union in Central NY. Submit a claim. - [External Transfers](https://www.empowerfcu.com/personal/online-mobile/external-transfers) - Learn about online banking ACH transfers between outside accounts and your accounts at Empower Federal Credit Union in Central NY. Log into Online Banking. - [Digital Wallet](https://www.empowerfcu.com/personal/online-mobile/digital-wallet) - Empower Federal Credit Union in Central NY lets you link your debit or credit card to a digital wallet for quick, mobile banking experiences. Learn more. - [Send and Receive Money with Zelle® ](https://www.empowerfcu.com/personal/online-mobile/send-and-receive-money-with-zelle) - Need to send and receive money? Empower Federal Credit Union in Central NY offers Zelle to easily transfer funds. Try P2P payments by downloading our app. - [My Credit ](https://www.empowerfcu.com/personal/online-mobile/my-credit) - As a member of Empower Federal Credit Union in Central NY, you can get your credit score for free in Online Banking with our My Credit program. Learn more. - [Digital Banking ](https://www.empowerfcu.com/personal/online-mobile/digital-banking) - Access accounts, pay bills, deposit checks online with our app, and more with Digital Banking from Empower Federal Credit Union in Central NY. Log in now. - [Quicken ](https://www.empowerfcu.com/personal/online-mobile/digital-banking/quicken) - You may need to modify your Quicken settings for a smooth transition of data with accounts at Empower Federal Credit Union in Central NY. Get support. - [Mobile Check Deposit ](https://www.empowerfcu.com/personal/online-mobile/digital-banking/mobile-check-deposit) - Easily deposit a check online with mobile banking from Empower Federal Credit Union in Central NY. Download our mobile app on Google Play or the App Store. - [Digital Banking How-To Videos](https://www.empowerfcu.com/personal/online-mobile/digital-banking/how-to-videos) - Learn how to get the most out of your digital banking experience! Watch the Digital Banking how-to videos from Empower Federal Credit Union in Central NY. - [Empower FCU Credit Card](https://www.empowerfcu.com/personal/borrow-credit/empower-credit-card) - A credit card from Empower Federal Credit Union in Central NY offers rewards points that can be redeemed for travel, cash back and gift cards. Learn more. - [Empower FCU ScoreCard® Rewards ](https://www.empowerfcu.com/personal/borrow-credit/empower-credit-card/empower-scorecard-rewards) - With the rewards credit card at Empower Federal Credit Union in Central NY, you get competitive rates, cash back and earn points towards travel. Apply now. - [Lines of Credit ](https://www.empowerfcu.com/personal/borrow-credit/lines-of-credit) - Get access to cash for a project or to make a major purchase with a personal Line of Credit from Empower Federal Credit Union in Central NY. Apply online. - [Student Loans ](https://www.empowerfcu.com/personal/borrow-credit/student-loans) - Empower Federal Credit Union in Central NY offers private student loans that can help pay the bills from first semester to graduation day. Apply online. - [Personal Loans](https://www.empowerfcu.com/personal/borrow-credit/personal-loans) - Empower Federal Credit Union in Central NY offers personal loans for a variety of needs like green loans, secured loans and more. Explore our loan options. - [Funeral Expense Loans](https://www.empowerfcu.com/personal/borrow-credit/personal-loans/funeral-expense-loans) - Need help paying for funeral costs? Empower Federal Credit Union offers Funeral Expense Loans in Southern Tier and Central NY for up to $15k. Apply now. - [Women’s Empowerment Loans ](https://www.empowerfcu.com/personal/borrow-credit/personal-loans/womensempowerement) - Empower Federal Credit Union in Central NY offers Women’s Empowerment Loans including Credit Builder, Debt Consolidation and Auto Loans. Apply online now. - [Lifestyle Lending](https://www.empowerfcu.com/personal/borrow-credit/personal-loans/lifestyle-lending) - From dental work to home remodeling, Empower Federal Credit Union in Central NY has you covered with lifestyle lending. Learn about our Business Partners. - [Secured Loans](https://www.empowerfcu.com/personal/borrow-credit/personal-loans/secured-loans) - Get a lower rate on a loan secured by funds in your Share or Certificate accounts at Empower Federal Credit union in Southern Tier NY. Apply online now. - [Financial Wellness Loans](https://www.empowerfcu.com/personal/borrow-credit/personal-loans/financial-wellness-loans) - Empower Federal Credit Union in Central NY offers Credit Builder, Emergency and Debt Consolidation loans plus Auto Loans at competitive rates. Apply now. - [Green Loans](https://www.empowerfcu.com/personal/borrow-credit/personal-loans/green-loans) - Empower Federal Credit Union's green loans make going green more affordable in Central NY with financing for solar panels and electric cars. Apply now. - [Vehicle Loans](https://www.empowerfcu.com/personal/borrow-credit/auto-center) - Empower Federal Credit Union in Central NY provides competitive auto and vehicle loans rates including RVs, boats and motorcycles. Explore loan options. - [Recreational Vehicle Loans](https://www.empowerfcu.com/personal/borrow-credit/auto-center/recreational-vehicle-loans) - Looking for a recreational vehicle loan for a boat or RV? Empower Federal Credit Union in Central NY can help provide that sense of enjoyment. Learn more. - [DrivingSense Auto Loans](https://www.empowerfcu.com/personal/borrow-credit/auto-center/drivingsense-auto-loans) - Finance a car, truck or motorcycle at competitive rates with the DrivingSense Auto Loan from Empower Federal Credit Union in Central NY. Apply online now. - [Auto and Motorcycle Loans](https://www.empowerfcu.com/personal/borrow-credit/auto-center/auto-motorcycle-loans) - Whether you need an auto loan for your car or a motorcycle, Empower Federal Credit Union in Central NY can help with our competitive financing. Apply now. - [Home Equity Loans](https://www.empowerfcu.com/personal/borrow-credit/home-equity-loans) - Empower Federal Credit Union members get Home Equity Loans and Lines of Credit (HELOC) at competitive rates in Central and Southern Tier NY. Apply now. - [Mortgage Loans](https://www.empowerfcu.com/personal/borrow-credit/mortgage-loans) - Empower Federal Credit Union offers a variety of mortgages in Central NY and the Southern Tier including jumbo loans. Explore home loans and apply online. - [Biweekly Mortgage Payments ](https://www.empowerfcu.com/personal/borrow-credit/mortgage-loans/biweekly-mortgage-payments) - Empower Federal Credit Union's Biweekly Mortgage Payment option helps you save on interest and pay off your Central NY home loan faster. Contact us today. - [Empower’s Platinum Pre-Approval Program](https://www.empowerfcu.com/personal/borrow-credit/mortgage-loans/empower-s-platinum-pre-approval-program) - Losing homes to cash offers? Be ready to make an attractive offer with Platinum Pre-Approval at Empower Federal Credit Union in Central NY. Apply Online. - [Veteran Advantage Mortgage Loans](https://www.empowerfcu.com/personal/borrow-credit/mortgage-loans/veteran-advantage-mortgages) - If you’ve served in the U.S. military, you may qualify for a veteran home loan with competitive mortgage rates at Empower Federal Credit Union. Apply now. - [Mortgage Consultants](https://www.empowerfcu.com/personal/borrow-credit/mortgage-loans/mortgage-consultants) - Empower Federal Credit Union's Mortgage Consultants are home lending experts in Central and Southern Tier NY. Meet our consultants and contact us now. - [First Time Homebuyer](https://www.empowerfcu.com/personal/borrow-credit/mortgage-loans/first-time-homebuyer) - First Time Homebuyers in Central NY and the Southern Tier can get competitive rates on mortgage loans from Empower Federal Credit Union. Apply online now. - [Mortgage-Refinance](https://www.empowerfcu.com/personal/borrow-credit/mortgage-loans/refinance) - Let Empower Federal Credit Union in Central NY help you refinance your mortgage with a lower interest rate. Apply today to pay down house debt faster. - [Construction Loans](https://www.empowerfcu.com/personal/borrow-credit/mortgage-loans/construction-loans) - A construction loan from Empower Federal Credit Union in Central NY can help build your dream home with competitive mortgage rates. Apply online today. - [DoctorsPLUS Mortgages ](https://www.empowerfcu.com/personal/borrow-credit/mortgage-loans/doctorsplus) - The DoctorsPLUS Mortgage at Empower Federal Credit Union helps physicians in Central and Southern Tier NY finance the home of their dreams. Apply online. - [Jumbo Mortgage Loans](https://www.empowerfcu.com/personal/borrow-credit/mortgage-loans/jumbo-mortgage-loans) - Increase purchasing power with a Jumbo Mortgage Loan at competitive rates from Empower Federal Credit Union in Southern Tier and Central NY. Apply online. - [Mortgage-Purchase Loans](https://www.empowerfcu.com/personal/borrow-credit/mortgage-loans/purchase-loans) - Choose from a variety of home loans at Empower Federal Credit Union in Central NY like ARM and fixed-rate mortgages with low down payments. Apply online. - [Trust Accounts](https://www.empowerfcu.com/personal/save-spend/trust-accounts) - Ensure assets are distributed properly by making a trust account part of your estate plan. Visit Empower Federal Credit Union in Central NY to get started. - [Health Savings Account (HSA)](https://www.empowerfcu.com/personal/save-spend/health-savings-account-hsa) - A Health Savings Account at Empower Federal Credit Union in Central NY helps you set aside funds for doctor, dental and vision care. Open an HSA today. - [Individual Retirement Accounts (IRA)](https://www.empowerfcu.com/personal/save-spend/individual-retirement-accounts-ira) - Easily save for retirement at Empower Federal Credit Union in Central NY with our Roth and Traditional individual retirement accounts. Open an IRA today. - [Savings ](https://www.empowerfcu.com/personal/save-spend/savings) - Get Share Savings Accounts, Money Market Accounts and other savings options at Empower Federal Credit Union in Central NY. Explore now and open an account. - [Share Certificates](https://www.empowerfcu.com/personal/save-spend/savings/share-savings-certificates) - Looking for a high yield savings account? A Share Certificate from Empower Federal Credit Union in Central NY can help grow your money. Open an account. - [Club Accounts ](https://www.empowerfcu.com/personal/save-spend/savings/club-accounts) - Easily save year-round for holidays, vacations and more with a club savings account from Empower Federal Credit Union in Central NY. Open an account today! - [Premium Money Market](https://www.empowerfcu.com/personal/save-spend/savings/premium-money-market) - Looking for a high yield savings account? Get great rates on a Premium Money Market at Empower Federal Credit Union in Central NY. Open an account today. - [Share Savings](https://www.empowerfcu.com/personal/save-spend/savings/share-savings) - Reach your savings goals at Empower Federal Credit Union in Central NY. Enjoy peace of mind knowing your savings is insured by NCUA. Open an account today. - [Checking](https://www.empowerfcu.com/personal/save-spend/checking) - A fee-free checking account at Empower Federal Credit Union in Central NY offers online and mobile banking, overdraft protection and more. Open an account. - [Priority Pay ](https://www.empowerfcu.com/personal/save-spend/checking/priority-pay) - Want a paycheck direct deposited to a checking account up to 2 business days early? Explore Priority Pay at Empower Federal Credit Union in Central NY. - [Overdraft Protection ](https://www.empowerfcu.com/personal/save-spend/checking/overdraft-protection) - At Empower Federal Credit Union in Central NY, you can use a savings account or line of credit as overdraft protection. Sign up for courtesy pay today. - [Courtesy Pay and Debit Card Courtesy Pay](https://www.empowerfcu.com/personal/save-spend/checking/courtesy-pay) - Avoid an overdraft fee at Empower Federal Credit Union in Central NY with our Courtesy Pay overdraft coverage for those with a debit card. Learn more. - [Debit Mastercard](https://www.empowerfcu.com/personal/save-spend/checking/debit-mastercard) - With a free Mastercard debit from Empower Federal Credit Union in Central NY you can make purchases with a digital wallet or get cash at ATMs. Learn more. - [Indirect Auto Loan ](https://www.empowerfcu.com/indirect-auto-loan) - Financed your vehicle through a participating dealership? Learn about your indirect auto loan with Empower Federal Credit Union and available services.