Credit union · NCUA insured
Empower Federal Credit Union Credit Card Rates
Empower Federal Credit Union credit cards start at 12.24% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Empower Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Syracuse, NY, where Empower Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Empower Federal Credit Union
12.24%APR
- Up to
- 17.99% APR
Mastercard
Lowest rate
Auburn Community Federal Credit Union
7.90%APR
- Up to
- —
2nd-lowest rate
Oswego County Federal Credit Union
7.90%APR
- Up to
- —
Empower Federal Credit Union credit card score
71
Credit card score
Higher than 29% of U.S. banks and credit unions
- Purchase APRPurchase APR12.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Empower Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Mastercard
Rates based on evaluation of credit history and creditworthiness; subject to approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.24%–17.99% | None | Variable APR based on Prime Rate (7.00%) + margin (+5.24% to 14.49%); maximum APR 17.99%. APR varies based on creditworthiness. |
Sources (1)
- empowerfcu.com/about-us/rates/credit-card-rates · captured Oct 7, 2026
Who can join Empower Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.