Empower Federal Credit Union
About Membership
Membership is required to receive funding but not required before you apply. Check if you are eligible below.
Joining Empower Federal Credit Union is easy!
Empower Federal Credit Union membership is available to many individuals, including those who are: employed by/or retired from any of our member groups, a member of/or employed by any of our eligible associations or organizations, an immediate family or household member of a current Empower Federal Credit Union member. You may also join if you live, work, worship, or attend school in an area included in one of Empower's neighbor areas: City of Buffalo, City of Binghamton, City of Syracuse, Town of Geddes, City of Utica, Oswego County, Town of Cheektowaga, Town of Union, designated areas of Liverpool, Montgomery County, and Village of New York Mills.
Check Your Eligibility
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Products We Offer
Undergraduate Student Loans
Flexible funding for college with repayment terms to fit your needs. Pay for tuition, housing, books, and more.
Rates shown above include a 0.25% rate discount available during full repayment of principal and interest by electing to make automatic electronic payments.◊
◊ The APR will not fall below the floor rate regardless of the index or any additional rate discount.


