# Empower Federal Credit Union CD and share certificate rates

As of October 22, 2026, Empower Federal Credit Union's highest tracked 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.

Canonical page: https://apyledger.com/cd-rates/empower-federal-credit-union
Institution: Empower Federal Credit Union (NCUA 3025)
Aliases: Empower FCU, Empower
Status: live
Last verified: 2026-10-22T12:04:31.000Z (October 22, 2026)
Official source: https://www.empowerfcu.com/about-us/rates/deposit-savings-rates
Coverage: Rates shown are from Empower’s deposit rate page. Separate balance tiers are preserved.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 3 months | $500 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 3 months | $2,500 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 3 months | $5,000 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 3 months | $10,000 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 3 months | $25,000 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 3 months | $50,000 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 3 months | $100,000 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 6 months | $500 | 5.00% | Not ZIP-priced | +0.60% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 6 months | $2,500 | 5.00% | Not ZIP-priced | +0.60% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 6 months | $5,000 | 5.00% | Not ZIP-priced | +0.60% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 6 months | $10,000 | 5.00% | Not ZIP-priced | +0.60% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 6 months | $25,000 | 5.00% | Not ZIP-priced | +0.60% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 6 months | $50,000 | 5.00% | Not ZIP-priced | +0.60% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 6 months | $100,000 | 5.00% | Not ZIP-priced | +0.60% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 9 months | $500 | 4.00% | Not ZIP-priced | −0.48% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 9 months | $2,500 | 4.00% | Not ZIP-priced | −0.48% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 9 months | $5,000 | 4.00% | Not ZIP-priced | −0.48% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 9 months | $10,000 | 4.00% | Not ZIP-priced | −0.48% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 9 months | $25,000 | 4.00% | Not ZIP-priced | −0.48% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 9 months | $50,000 | 4.00% | Not ZIP-priced | −0.48% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 9 months | $100,000 | 4.00% | Not ZIP-priced | −0.48% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | standard | 12 months | $100 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 12 months | $500 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | standard | 12 months | $2,500 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | standard | 12 months | $2,500 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | standard | 12 months | $5,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | standard | 12 months | $5,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | standard | 12 months | $10,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | standard | 12 months | $10,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | standard | 12 months | $25,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | standard | 12 months | $25,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | standard | 12 months | $50,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | standard | 12 months | $50,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | standard | 12 months | $100,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | standard | 12 months | $100,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 15 months | $500 | 4.00% | Not ZIP-priced | −0.65% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 15 months | $2,500 | 4.00% | Not ZIP-priced | −0.65% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 15 months | $5,000 | 4.00% | Not ZIP-priced | −0.65% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 15 months | $10,000 | 4.00% | Not ZIP-priced | −0.65% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 15 months | $25,000 | 4.00% | Not ZIP-priced | −0.65% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 15 months | $50,000 | 4.00% | Not ZIP-priced | −0.65% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 15 months | $100,000 | 4.00% | Not ZIP-priced | −0.65% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 18 months | $500 | 4.50% | Not ZIP-priced | −0.22% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 18 months | $2,500 | 4.50% | Not ZIP-priced | −0.22% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 18 months | $5,000 | 4.50% | Not ZIP-priced | −0.22% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 18 months | $10,000 | 4.50% | Not ZIP-priced | −0.22% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 18 months | $25,000 | 4.50% | Not ZIP-priced | −0.22% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 18 months | $50,000 | 4.50% | Not ZIP-priced | −0.22% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 18 months | $100,000 | 4.50% | Not ZIP-priced | −0.22% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | promotional | 24 months | $100 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | promotional | 24 months | $500 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | promotional | 24 months | $2,500 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | promotional | 24 months | $2,500 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | promotional | 24 months | $5,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | promotional | 24 months | $5,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | promotional | 24 months | $10,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | promotional | 24 months | $10,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | promotional | 24 months | $25,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | promotional | 24 months | $25,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | promotional | 24 months | $50,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | promotional | 24 months | $50,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | promotional | 24 months | $100,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Wealth Builder Share Certificate | promotional | 24 months | $100,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 30 months | $500 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 30 months | $2,500 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 30 months | $5,000 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 30 months | $10,000 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 30 months | $25,000 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 30 months | $50,000 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 30 months | $100,000 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 36 months | $500 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 36 months | $2,500 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 36 months | $5,000 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 36 months | $10,000 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 36 months | $25,000 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 36 months | $50,000 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 36 months | $100,000 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 48 months | $500 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 48 months | $2,500 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 48 months | $5,000 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 48 months | $10,000 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 48 months | $25,000 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 48 months | $50,000 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 48 months | $100,000 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 60 months | $500 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 60 months | $2,500 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 60 months | $5,000 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 60 months | $10,000 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 60 months | $25,000 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 60 months | $50,000 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 60 months | $100,000 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 120 months | $500 | 0.80% | Not ZIP-priced | −4.40% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 120 months | $2,500 | 0.80% | Not ZIP-priced | −4.40% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 120 months | $5,000 | 0.80% | Not ZIP-priced | −4.40% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 120 months | $10,000 | 0.80% | Not ZIP-priced | −4.40% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 120 months | $25,000 | 0.80% | Not ZIP-priced | −4.40% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 120 months | $50,000 | 0.80% | Not ZIP-priced | −4.40% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |
| Share Certificate | standard | 120 months | $100,000 | 0.80% | Not ZIP-priced | −4.40% | 2026-10-22T12:04:31.000Z | [Snapshot 256](https://apyledger.com/snapshots/256) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.