Personal Loans
Affordable loans help you embrace life's opportunities and take on its challenges.
Featured Offer
You can help the environment and add zip to your lifestyle with loans for solar panels, electric vehicles and e-bikes.
- Competitive rates, based on credit criteria
- Stable monthly payments
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Need a little help getting back on track? These loans can help you do everything from cover household repairs to rebuild your credit rating.
- Competitive rates
- Flexible payment terms
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You can borrow money at a friendlier rate by securing your loan with the deposits in your Share or Share Certificate accounts.
- Borrow up to 100% of account balances
- Allow your savings to continue earning dividends
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If you're borrowing money for a purchase or certain services, you can get a lower loan rate by doing business with one of Empower FCU's partners.
- Reduced rates for furniture, medical services and more
- View our list of business partners
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In your time of mourning, we can provide the financial resources required to give your loved one a dignified service and burial.
- Borrow up to $15,000
- Money for casket, flowers, and other expenses
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Whether you're looking to purchase gifts, travel to see a loved one, or cover unexpected expenses - our holiday loans are designed to help you celebrate without the stress.
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Borrow up to $3,000.
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Loan special available for 12-month or less term.
Featured Offer
The recent hurricanes have brought unexpected challenges for many families and businesses. If you’ve been affected, we’re here to support you.
- Borrow up to $3,000 for 12 months at a 3.00% APR.
- Apply online—if approved, funds will be deposited directly into your account.
Empower Federal Credit Union is a full-service financial institution serving members throughout New York State.
Empowering you to make the best financial decisions.
Explore valuable tools and education to support your unique financial journey.
Enjoy financial flexibility
Our cards offer an attractive combination of purchasing power and valuable perks.