Empower Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Empower Federal Credit Union's highest CD (share certificate) rate is 5.00% APY on a 6-month CD ($500 minimum). That is 3.6 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.80% to 5.00% APY.
Tracking began .
Empower Federal Credit Union CD & share certificate rates
Rates shown are from Empower’s deposit rate page. Separate balance tiers are preserved.
| Term | Product | APY |
|---|---|---|
| 3 months | Share Certificate | 3.75%Verified October 22, 2026 |
| 6 months | Share Certificate | 5.00%Verified October 22, 2026 |
| 9 months | Share Certificate | 4.00%Verified October 22, 2026 |
| 12 months | Wealth Builder Share Certificate | 4.00%Verified October 22, 2026 |
| 12 months | Share Certificate | 4.00%Verified October 22, 2026 |
| 15 months | Share Certificate | 4.00%Verified October 22, 2026 |
| 18 months | Share Certificate | 4.50%Verified October 22, 2026 |
| 24 months | Wealth Builder Share Certificate Promotional | 3.75%Verified October 22, 2026 |
| 24 months | Share Certificate Promotional | 3.75%Verified October 22, 2026 |
| 30 months | Share Certificate | 3.50%Verified October 22, 2026 |
| 36 months | Share Certificate | 3.50%Verified October 22, 2026 |
| 48 months | Share Certificate | 3.50%Verified October 22, 2026 |
| 60 months | Share Certificate | 3.50%Verified October 22, 2026 |
| 120 months | Share Certificate | 0.80%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Empower Federal Credit Union's best CD rates by term?
Empower Federal Credit Union's best rate is 5.00% APY on 6 months, verified October 22, 2026.
- 3 mo3.75%
- 6 mo5.00%
- 9 mo4.00%
- 12 mo4.00%
- 15 mo4.00%
- 18 mo4.50%
- 24 mo3.75%
- 30 mo3.50%
- 36 mo3.50%
- 48 mo3.50%
- 60 mo3.50%
- 120 mo0.80%
How much interest could a Empower Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $46.103.75% APY · Share Certificate · Standard | $92.213.75% APY · Share Certificate · Standard | $230.513.75% APY · Share Certificate · Standard | $461.033.75% APY · Share Certificate · Standard |
| 6 months | $123.825.00% APY · Share Certificate · Standard | $247.645.00% APY · Share Certificate · Standard | $619.095.00% APY · Share Certificate · Standard | $1,238.185.00% APY · Share Certificate · Standard |
| 9 months | $149.404.00% APY · Share Certificate · Standard | $298.804.00% APY · Share Certificate · Standard | $747.004.00% APY · Share Certificate · Standard | $1,494.014.00% APY · Share Certificate · Standard |
| 12 months | $200.004.00% APY · Share Certificate · Standard | $400.004.00% APY · Share Certificate · Standard | $1,000.004.00% APY · Share Certificate · Standard | $2,000.004.00% APY · Share Certificate · Standard |
| 18 months | $341.594.50% APY · Share Certificate · Standard | $683.184.50% APY · Share Certificate · Standard | $1,707.954.50% APY · Share Certificate · Standard | $3,415.914.50% APY · Share Certificate · Standard |
| 24 months | $382.033.75% APY · Share Certificate · Promotional | $764.063.75% APY · Share Certificate · Promotional | $1,910.163.75% APY · Share Certificate · Promotional | $3,820.313.75% APY · Share Certificate · Promotional |
| 60 months | $938.433.50% APY · Share Certificate · Standard | $1,876.863.50% APY · Share Certificate · Standard | $4,692.163.50% APY · Share Certificate · Standard | $9,384.323.50% APY · Share Certificate · Standard |
How Empower Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 183-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 1 of 79 tracked institutions with fresh 183-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Empower Federal Credit Union (this institution) (highest tracked APY for this term)Share Certificate · Standard | 6 months | $500 | Coverage: NY | 5.00% | October 22, 2026 |
| TrustCo BankCertificate of Deposit Special · Promotional | 6 months | $500 | Coverage: FL, MA, NJ, NY, VT | 4.40% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 6 months | $10,000 | Nationwide; check eligibility | 4.35% | October 22, 2026 |
| City National BankSpecial 6-Month Fixed Rate CD · Promotional | 6 months | $10,000 | Coverage: CA, DC, FL, GA, NV, NY, TN, VA | 4.23% | October 22, 2026 |
| Treasury (APY-equivalent) | 6 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.40% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Empower Federal Credit Union on October 22, 2026.
About Empower Federal Credit Union
- Legal name
- Empower Federal Credit Union
- Regulator ID
- NCUA 3025
- Headquarters
- Syracuse, NY
- Available in
- NY
- Total assets
- $4.3 billion
- Also known as
- Empower FCU, Empower
- Website
- www.empowerfcu.com
Source: rates read from https://www.empowerfcu.com/about-us/rates/deposit-savings-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Empower Federal Credit Union?
5.00% APY on a 6-month CD, as of October 22, 2026.
What is the minimum deposit for a Empower Federal Credit Union CD?
The lowest minimum we found is $100; jumbo and higher balance tiers start at up to $100,000.
How does Empower Federal Credit Union's best CD rate compare with Treasury yields?
5.00% APY is +0.60% versus the 6-month Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 5.00% a good CD rate?
It is 3.6 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Empower Federal Credit Union CDs insured?
Empower Federal Credit Union is a federally insured credit union (NCUA 3025). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Empower Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Empower Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Empower Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Empower Federal Credit Union before opening an account. This page is not financial advice.