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Credit union · NCUA insured

Empower Federal Credit Union

A $4.3B credit union, the 117th largest of 4,329, headquartered in Syracuse, NY, with 307,868 members and 23 branches in New York. Best rates: savings 1.15% APY.

Empower Federal Credit Union Carrot Score

73

Carrot Score

Higher than 33% of U.S. banks and credit unions

LowestMiddleHighest

#24 of 32 in Syracuse, NY metroHow the score works →

Deposits are federally insured by the NCUA up to $250,000 per depositor.

About Empower Federal Credit Union

Empower Federal Credit Union is a not-for-profit financial cooperative providing financial products to members in Central New York and eight New York State counties.

Empower FCU was created in 2007 through a merger of Power Federal Credit Union (founded in 1939) and Empire Federal Credit Union (established in 1950).

Headquarters
1 Member Way, Syracuse, NY 13212
NCUA charter
3025
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Membership

Who can join

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Individuals who live, work, worship, or attend school in Empower FCU's service area are eligible to join.

Employers and groups

  • Individuals who meet select employer or community partner affiliations are eligible to join.

Family and household

  • Individuals who have a family member who is already a member are eligible to join.

Other ways

  • Applicants can qualify for membership by joining the American Consumer Council (ACC) at no cost.

Cost to join

  • Opening a membership requires a share savings account with a $1 minimum deposit.

Branches

23 branches in New York

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Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.