Financial Wellness Loans

Need a helping hand? Let's see what we can do to give your finances a lift.
Our financial journeys aren't always smooth ones. When you hit a bump in the road, Empower FCU is here to help. Financial Wellness loans can help you when appliances break, roofs spring leaks, medical expenses arise, your credit could use a boost, or relief is needed from high-interest debt.
  • Competitive rates
  • Flexible loan terms to fit your needs
  • Monthly payments that you can afford
  • Schedule convenient automatic repayments through Online Banking or the Empower mobile app
  • Work with friendly lenders who will listen to your story and try to get things back on track
Household Emergency Loans
Household emergencies can strike without warning. Empower understands that funds may not be available at a moment’s notice. Some of these emergencies may include heating and air conditioning, plumbing, roofing, windows, damage from fire or water, medical expenses, car repairs and much more. Empower has competitive rates and potentially more affordable payments to help you through an emergency. We are here to listen and help with all your financial needs.
Credit Builder Loans
Whether you are a first-time borrower or just looking to build on your limited credit experience, Empower may be able to help! We offer loans secured by the funds in your savings account or we can secure the proceeds of the loan. Empower offers competitive rates and potentially more affordable payments. This may allow you to establish a positive payment history and build your credit score. Establishing and building positive credit will help with future loan applications, such as; applying for a credit card or purchasing a car or home.
Debt Consolidation Loans
Have you fallen victim or been forced into high-interest loans or credit cards? Does it feel like you keep paying, but the balance hardly goes down? Empower FCU may be able to help refinance or consolidate these high interest loans into one low-rate, affordable, personal loan. Apply to refinance today!
Career-Building Auto Loans
Have you been out of the workforce for a while? Are you just starting a career? Do you just need financing for an affordable automobile to get to work and back? If yes, Empower may be able to help. We have trained staff to help coach you with your finances and through the car-buying process. Our competitive rates and longer terms may help reduce your monthly payments. Have a car loan already? Ask us if we can save you money by refinancing. Apply today!
Empower Federal Credit Union is a full-service financial institution serving members throughout New York State.
Enjoy financial flexibility
Our cards offer an attractive combination of purchasing power and valuable perks.