Routing#275071246

Mortgage Rates

Terms (months) Rate APR (as low as) Points
30 Year Fixed Rate 6.875% 6.913% 0.000%
20 Year Fixed Rate 6.625% 6.674% 0.000%
15 Year Fixed Rate 6.500% 6.561% 0.000%
5 Year Adjustable Rate 7.000% 7.332% 0.000%

Rates as of Mar 19 of 2024

Rates are not locked until confirmed with a loan officer. No rate locks taken after 3:00 p.m. or during non-business hours. Fixed rates are typically updated once a day, however market conditions may require changes within the business day without notice. Rates may be different based on loan purpose, credit score and property LTV (Loan to Value).

Apply for a Mortgage Loan Mortgage Resource Center Quick Rate Quote

Certificates

Available Terms

TermMinimum BalanceRateAPY*
18 month SPECIAL**$5,0004.67%4.75%
6 month$1,0001.24%1.25%
9 month$1,0001.49%1.50%
12 month$1,0001.99%2.00%
24 month$1,0002.23%2.25%
36 month$1,0002.48%2.50%
60 month$1,0003.21%3.25%

*APY is Annual Percentage Yield. Withdrawals made prior to the maturity date are subject to penalty and may reduce earnings and principal. For additional information on dividend calculations and terms and conditions, please refer to our Truth-in-Savings Disclosure.

**Limited availability, rates subject to change at any time. Early withdrawal penalties apply. Minimum balance to earn APY is $5,000. Minimum $5,000 new money to Empower Credit Union required.

Rates as of August 29, 2023

Money Market and Deposit Accounts

Money Market Plus Account

BalanceRateAPY*
$0.00 to $74,999.990.10%0.10%
$75,000 to $149,999.993.20%3.25%
$150,000 to $249,999.993.93%4.00%
$250,000 and above4.17%4.25%

Rates as of September 1, 2023
*APY= Annual Percentage Yield.

Money Market Account

BalanceRateAPY*
$0.00 to $4,999.990.24%0.24%
$5,000 to $9,999.990.75%0.75%
$10,000 to $24,999.991.05%1.05%
$25,000 to $49,999.991.34%1.35%
$50,000 to $74,999.991.98%2.00%
$75,000 to $99,999.992.22%2.25%
$100,000 to $199,999.992.96%3.00%
$200,000 and above3.93%4.00%

Rates as of September 1, 2023
*APY= Annual Percentage Yield.

Savings Account

TypeMinimum BalanceRateAPY*
Base Membership$25.000.06%0.06%
Statement Account$1.000.06%0.06%

Rates as of September 1, 2023
*APY=Annual Percentage Yield. Dividends are NOT paid on any savings account balance less than $50.00.

Club Accounts

TypeMinimum BalanceRateAPY*
Christmas$1.000.10%0.10%
Vacation$1.000.10%0.10%

Rates as of September 1, 2023
*APY=Annual Percentage Yield. Dividends are NOT paid on any savings account balance less than $50.00. Any withdrawals made before club account maturity are subject to an early withdrawal fee published in our Fee Schedule.

Checking Accounts - Power Plus

BalanceRateAPY*
$0.00 to $299.990.00%0.00%
$300.00 to $2,499.990.03%0.03%
$2,500 and above0.05%0.05%

Rates as of September 1, 2023
*APY= Annual Percentage Yield. Dividends are NOT paid on any checking account balance less than $300.00. Monthly direct deposit required to earn dividends for Power Plus Checking.

Checking Accounts - High Voltage Account

BalanceRateAPY*
$0.00 to $299.990.00%0.00%
$300.00 to $1,000.005.00% 5.00%
$1,001.00 to $9,999.990.10%0.10%
$10,000.00 and above0.12%0.12%

Rates as of September 1, 2023
*APY= Annual Percentage Yield. Dividends are NOT paid on any checking account balance less than $300.00. Monthly direct deposit and e-statements required to earn dividends for High Voltage Checking.

IRA Investment

IRA Statement Account

TypeMinimum BalanceRateAPY*
Open Savings$5.000.10%0.10%

IRA Certificate Accounts

TermMinimum BalanceRateAPY*
12 month$1,000.001.99%2.00%
18 month$1,000.002.23%2.25%
24 month$1,000.002.23%2.25%
36 month$1,000.002.48%2.50%

*APY is Annual Percentage Yield. Withdrawals made prior to the maturity date are subject to penalty and may reduce earnings. For additional information on dividend calculations and terms and conditions, please refer to our Truth-in-Savings Disclosure.

Rate as of August 29, 2023

For taxation advice please contact your tax advisor.

Consumer Loans

Auto or Motorcycle Loan

Model YearTerm (Up to # Months)APR (As Low As)*Payment per $1,000
2022 to Current Model Year727.24%$17.17
848.24%$15.72
2014 to 2021727.74%$17.42
2009 to 2013609.24%$20.88

*APR=Annual Percentage Rate.  Available rates and terms are based on creditworthiness. Published rates include a 0.50% discount for automatic payments from an active Empower checking account. Minimum Loan Amounts of $15,000 or more for terms between 67-72 months; $30,000 or more for terms between 73-84 months. Existing Empower Credit Union loans are eligible for refinancing if adding $5,000 new money or more to the existing loan. Collateral must be acceptable to Empower Credit Union (e.g. no branded titles).  Maximum Loan-to-Value of 110% for published rates. Other rates and terms available. Other exclusions may apply.  Rates are subject to change at any time.

 

Recreational Vehicle Loans (boats, jet skis, campers, motor homes, snow mobiles and ATVs)

Model YearTerm (Up to # Months)APR (As Low As)*Payment per $1,000
2022 to Current Model Year Year727.49%$17.29
848.49%$15.84
969.49%$14.91
2014 to 2021728.49%$15.84
849.49%$14.91
9610.49%$15.44

*APR=Annual Percentage Rate.  Available rates and terms are based on creditworthiness. Published rates include a 0.50% discount for automatic payments from an active Empower checking account. Minimum Loan Amounts of $25,000 or more for terms between 73-84 months; $35,000 or more for terms between 85-96 months. Existing Empower Credit Union loans are eligible for refinancing only if adding $5,000 new money or more to the existing loan. Collateral must be acceptable to Empower Credit Union (e.g. no branded titles).  Maximum Loan-to-Value of 110% for published rates. Other rates and terms available. Other exclusions may apply.  Rates are subject to change at any time.

Deposit Secured Loan

Loan TypeAPR (as low as)*PaymentMax Finance AmountTerm
Savings SecuredCall for current rateVaries on Investment100% of Account BalanceUp To 60 months
Certificate SecuredCall for current rateVaries on Investment100% of Account BalanceLength of Certificate

*APR= Annual Percentage Rate. Funds must be secured during the entire term of the loan.

Unsecured Loan

Loan TypeAPR (as low as)*PaymentMax Finance AmountTerm
Signature13.49%$27.08 per $1,000$15,000Up To 48 months
KWIK Cash11.00%$50 MIN, 5% of Balance$15,000Revolving, Open Ended

*APR=Annual Percentage Rate. Financing terms are based on creditworthiness and may change at any time.

Credit Cards

Loan TypeAPR (as low as)*PaymentMax Finance AmountTerm
VISA Rewards10.90%3% of Balance$15,000Revolving, Open Ended
VISA Platinum8.90%3% of Balance$15,000Revolving, Open Ended

*APR=Annual Percentage Rate. Please review our VISA disclosure for terms and conditions.

Home Equity

Home Equity Loan (Fixed Rate)

Terms (months)APR (as low as)Payment per $1,000
606.99%$19.80
1207.99%$12.13
1808.99%$10.14

Rate as of November 10, 2022

APR=Annual Percentage Rate. LTV=Loan to Value. Rate and margin depend on credit worthiness and LTV. $250 closing costs unless a property appraisal is necessary. Rates and terms may change at any time without notice. Membership eligibility required. Other restrictions apply.

Main Office

Address:

10635 W Greenfield Avenue
West Allis, WI 53214
Get Directions

Phone:

414-988-6600

Fax:

414-988-6699

Layton Avenue Office

Address:

6126 W Layton Avenue
Greenfield, WI 53220
Get Directions

Phone:

414-988-6600

Fax:

414-988-6699