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Source: https://www.empowerfcu.com/about-us/rates/deposit-savings-rates
Read: 2026-10-22T12:04:31.000Z

Deposit Account Rates | Central NY Savings Account | Empower FCU Skip to Main Content Navigate to Sitemap Skip To Online Banking
Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
Tier 1 | $0-$2,499.99 | 0.55% | 0.55%
Tier 2 | $2,500-$4,999.99 | 0.55% | 0.55%
Tier 3 | $5,000 and above | 0.55% | 0.55%
Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
Tier 1 | $0-$2,499.99 | 1.00% | 1.00%
Tier 2 | $2,500-$4,999.99 | 1.05% | 1.05%
Tier 3 | $5,000-$9,999.99 | 1.10% | 1.10%
Tier 4 | $10,000 and above | 1.15% | 1.15%
Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
Tier 1 | $2,500-$9,999.99 | 1.05% | 1.05%
Tier 2 | $10,000-$24,999.99 | 1.15% | 1.15%
Tier 3 | $25,000-$49,999.99 | 1.24% | 1.25%
Tier 4 | $50,000-$99,999.99 | 1.34% | 1.35%
Tier 5 | $100,000-$249,999.99 | 2.23% | 2.25%
Tier 6 | $250,000 and up | 2.32% | 2.35%
Term & Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
3 month** - Tier 1 | $500-$2,499.99 | 3.68 | 3.75
3 month** - Tier 2 | $2,500-$4,999.99 | 3.68 | 3.75
3 month** - Tier 3 | $5,000-$9,999.99 | 3.68 | 3.75
3 month** - Tier 4 | $10,000-$24,999.99 | 3.68 | 3.75
3 month** - Tier 5 | $25,000-$49,999.99 | 3.68 | 3.75
3 month** - Tier 6 | $50,000-$99,999.99 | 3.68 | 3.75
3 month** - Tier 7 | $100,000 & higher | 3.68 | 3.75
Term & Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
6 month - Tier 1 | $500-$2,499.99 | 4.88 | 5.00
6 month - Tier 2 | $2,500-$4,999.99 | 4.88 | 5.00
6 month - Tier 3 | $5,000-$9,999.99 | 4.88 | 5.00
6 month - Tier 4 | $10,000-$24,999.99 | 4.88 | 5.00
6 month - Tier 5 | $25,000-$49,999.99 | 4.88 | 5.00
6 month - Tier 6 | $50,000-$99,999.99 | 4.88 | 5.00
6 month - Tier 7 | $100,000 & higher | 4.88 | 5.00
Term & Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
9 month** - Tier 1 | $500-$2,499.99 | 3.92 | 4.00
9 month** - Tier 2 | $2,500-$4,999.99 | 3.92 | 4.00
9 month** - Tier 3 | $5,000-$9,999.99 | 3.92 | 4.00
9 month** - Tier 4 | $10,000-$24,999.99 | 3.92 | 4.00
9 month** - Tier 5 | $25,000-$49,999.99 | 3.92 | 4.00
9 month** - Tier 6 | $50,000-$99,999.99 | 3.92 | 4.00
9 month** - Tier 7 | $100,000 & higher | 3.92 | 4.00
Term & Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
12 month - Tier 1 | $500-$2,499.99 | 3.92 | 4.00
12 month - Tier 2 | $2,500-$4,999.99 | 3.92 | 4.00
12 month - Tier 3 | $5,000-$9,999.99 | 3.92 | 4.00
12 month - Tier 4 | $10,000-$24,999.99 | 3.92 | 4.00
12 month - Tier 5 | $25,000-$49,999.99 | 3.92 | 4.00
12 month - Tier 6 | $50,000-$99,999.99 | 3.92 | 4.00
12 month - Tier 7 | $100,000 & higher | 3.92 | 4.00
Term & Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
15 month - Tier 1 | $500-$2,499.99 | 3.92 | 4.00
15 month - Tier 2 | $2,500-$4,999.99 | 3.92 | 4.00
15 month - Tier 3 | $5,000-$9,999.99 | 3.92 | 4.00
15 month - Tier 4 | $10,000-$24,999.99 | 3.92 | 4.00
15 month - Tier 5 | $25,000-$49,999.99 | 3.92 | 4.00
15 month - Tier 6 | $50,000-$99,999.99 | 3.92 | 4.00
15 month - Tier 7 | $100,000 & higher | 3.92 | 4.00
Term & Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
18 month - Tier 1 | $500-$2,499.99 | 4.40 | 4.50
18 month - Tier 2 | $2,500-$4,999.99 | 4.40 | 4.50
18 month - Tier 3 | $5,000-$9,999.99 | 4.40 | 4.50
18 month - Tier 4 | $10,000-$24,999.99 | 4.40 | 4.50
18 month - Tier 5 | $25,000-$49,999.99 | 4.40 | 4.50
18 month - Tier 6 | $50,000-$99,999.99 | 4.40 | 4.50
18 month - Tier 7 | $100,000 & higher | 4.40 | 4.50
Term & Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
24 month 1 - Tier 1 | $500-$2,499.99 | 3.68 | 3.75
24 month 1 - Tier 2 | $2,500-$4,999.99 | 3.68 | 3.75
24 month 1 - Tier 3 | $5,000-$9,999.99 | 3.68 | 3.75
24 month 1 - Tier 4 | $10,000-$24,999.99 | 3.68 | 3.75
24 month 1 - Tier 5 | $25,000-$49,999.99 | 3.68 | 3.75
24 month 1 - Tier 6 | $50,000-$99,999.99 | 3.68 | 3.75
24 month 1 - Tier 7 | $100,000 & higher | 3.68 | 3.75
Term & Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
30 month - Tier 1 | $500-$2,499.99 | 3.44 | 3.50
30 month - Tier 2 | $2,500-$4,999.99 | 3.44 | 3.50
30 month - Tier 3 | $5,000-$9,999.99 | 3.44 | 3.50
30 month - Tier 4 | $10,000-$24,999.99 | 3.44 | 3.50
30 month - Tier 5 | $25,000-$49,999.99 | 3.44 | 3.50
30 month - Tier 6 | $50,000-$99,999.99 | 3.44 | 3.50
30 month - Tier 7 | $100,000 & higher | 3.44 | 3.50
Term & Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
3 year - Tier 1 | $500-$2,499.99 | 3.44 | 3.50
3 year - Tier 2 | $2,500-$4,999.99 | 3.44 | 3.50
3 year - Tier 3 | $5,000-$9,999.99 | 3.44 | 3.50
3 year - Tier 4 | $10,000-$24,999.99 | 3.44 | 3.50
3 year - Tier 5 | $25,000-$49,999.99 | 3.44 | 3.50
3 year - Tier 6 | $50,000-$99,999.99 | 3.44 | 3.50
3 year - Tier 7 | $100,000 & higher | 3.44 | 3.50
Term & Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
4 year - Tier 1 | $500-$2,499.99 | 3.44 | 3.50
4 year - Tier 2 | $2,500-$4,999.99 | 3.44 | 3.50
4 year - Tier 3 | $5,000-$9,999.99 | 3.44 | 3.50
4 year - Tier 4 | $10,000-$24,999.99 | 3.44 | 3.50
4 year - Tier 5 | $25,000-$49,999.99 | 3.44 | 3.50
4 year - Tier 6 | $50,000-$99,999.99 | 3.44 | 3.50
4 year - Tier 7 | $100,000 & higher | 3.44 | 3.50
Term & Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
5 year - Tier 1 | $500-$2,499.99 | 3.44 | 3.50
5 year - Tier 2 | $2,500-$4,999.99 | 3.44 | 3.50
5 year - Tier 3 | $5,000-$9,999.99 | 3.44 | 3.50
5 year - Tier 4 | $10,000-$24,999.99 | 3.44 | 3.50
5 year - Tier 5 | $25,000-$49,999.99 | 3.44 | 3.50
5 year - Tier 6 | $50,000-$99,999.99 | 3.44 | 3.50
5 year - Tier 7 | $100,000 & higher | 3.44 | 3.50
Term & Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
10 year - Tier 1 | $500-$2,499.99 | 0.80 | 0.80
10 year - Tier 2 | $2,500-$4,999.99 | 0.80 | 0.80
10 year - Tier 3 | $5,000-$9,999.99 | 0.80 | 0.80
10 year - Tier 4 | $10,000-$24,999.99 | 0.80 | 0.80
10 year - Tier 5 | $25,000-$49,999.99 | 0.80 | 0.80
10 year - Tier 6 | $50,000-$99,999.99 | 0.80 | 0.80
10 year - Tier 7 | $100,000 & higher | 0.80 | 0.80
Term & Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
12 month - Tier 1 | $100-$2,499.99 | 3.92 | 4.00
12 month - Tier 2 | $2500-$4,999.99 | 3.92 | 4.00
12 month - Tier 3 | $5,000-$9,999.99 | 3.92 | 4.00
12 month - Tier 4 | $10,000-$24,999.99 | 3.92 | 4.00
12 month - Tier 5 | $25,000-$49,999.99 | 3.92 | 4.00
12 month - Tier 6 | $50,000-$99,999.99 | 3.92 | 4.00
12 month - Tier 7 | $100,000 and above | 3.92 | 4.00
Term & Tier | Minimum Balance to Earn Dividends | Dividend Rate | Annual Percentage Yield
24 month 1 - Tier 1 | $100-$2,499.99 | 3.68 | 3.75
24 month 1 - Tier 1 | $2500-$4,999.99 | 3.68 | 3.75
24 month 1 - Tier 1 | $5,000-$9,999.99 | 3.68 | 3.75
24 month 1 - Tier 1 | $10,000-$24,999.99 | 3.68 | 3.75
24 month 1 - Tier 1 | $25,000-$49,999.99 | 3.68 | 3.75
24 month 1 - Tier 1 | $50,000-$99,999.99 | 3.68 | 3.75
24 month 1 - Tier 1 | $100,000 and above | 3.68 | 3.75
2 50 plus club members APY increase does not apply for share certificates.
‡APY is accurate as of the last dividend declaration date.