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
Term | Minimum Balance | Rate | APY* |
---|---|---|---|
18 month SPECIAL** | $5,000 | 4.67% | 4.75% |
6 month | $1,000 | 1.24% | 1.25% |
9 month | $1,000 | 1.49% | 1.50% |
12 month | $1,000 | 1.99% | 2.00% |
24 month | $1,000 | 2.23% | 2.25% |
36 month | $1,000 | 2.48% | 2.50% |
60 month | $1,000 | 3.21% | 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
Balance | Rate | APY* |
---|---|---|
$0.00 to $74,999.99 | 0.10% | 0.10% |
$75,000 to $149,999.99 | 3.20% | 3.25% |
$150,000 to $249,999.99 | 3.93% | 4.00% |
$250,000 and above | 4.17% | 4.25% |
Rates as of September 1, 2023
*APY= Annual Percentage Yield.
Balance | Rate | APY* |
---|---|---|
$0.00 to $4,999.99 | 0.24% | 0.24% |
$5,000 to $9,999.99 | 0.75% | 0.75% |
$10,000 to $24,999.99 | 1.05% | 1.05% |
$25,000 to $49,999.99 | 1.34% | 1.35% |
$50,000 to $74,999.99 | 1.98% | 2.00% |
$75,000 to $99,999.99 | 2.22% | 2.25% |
$100,000 to $199,999.99 | 2.96% | 3.00% |
$200,000 and above | 3.93% | 4.00% |
Rates as of September 1, 2023
*APY= Annual Percentage Yield.
Type | Minimum Balance | Rate | APY* |
---|---|---|---|
Base Membership | $25.00 | 0.06% | 0.06% |
Statement Account | $1.00 | 0.06% | 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.
Type | Minimum Balance | Rate | APY* |
---|---|---|---|
Christmas | $1.00 | 0.10% | 0.10% |
Vacation | $1.00 | 0.10% | 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.
Balance | Rate | APY* |
---|---|---|
$0.00 to $299.99 | 0.00% | 0.00% |
$300.00 to $2,499.99 | 0.03% | 0.03% |
$2,500 and above | 0.05% | 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.
Balance | Rate | APY* |
---|---|---|
$0.00 to $299.99 | 0.00% | 0.00% |
$300.00 to $1,000.00 | 5.00% | 5.00% |
$1,001.00 to $9,999.99 | 0.10% | 0.10% |
$10,000.00 and above | 0.12% | 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.
Type | Minimum Balance | Rate | APY* |
---|---|---|---|
Open Savings | $5.00 | 0.10% | 0.10% |
Term | Minimum Balance | Rate | APY* |
---|---|---|---|
12 month | $1,000.00 | 1.99% | 2.00% |
18 month | $1,000.00 | 2.23% | 2.25% |
24 month | $1,000.00 | 2.23% | 2.25% |
36 month | $1,000.00 | 2.48% | 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.
Model Year | Term (Up to # Months) | APR (As Low As)* | Payment per $1,000 |
---|---|---|---|
2022 to Current Model Year | 72 | 7.24% | $17.17 |
84 | 8.24% | $15.72 | |
2014 to 2021 | 72 | 7.74% | $17.42 |
2009 to 2013 | 60 | 9.24% | $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.
Model Year | Term (Up to # Months) | APR (As Low As)* | Payment per $1,000 |
---|---|---|---|
2022 to Current Model Year Year | 72 | 7.49% | $17.29 |
84 | 8.49% | $15.84 | |
96 | 9.49% | $14.91 | |
2014 to 2021 | 72 | 8.49% | $15.84 |
84 | 9.49% | $14.91 | |
96 | 10.49% | $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.
Loan Type | APR (as low as)* | Payment | Max Finance Amount | Term |
---|---|---|---|---|
Savings Secured | Call for current rate | Varies on Investment | 100% of Account Balance | Up To 60 months |
Certificate Secured | Call for current rate | Varies on Investment | 100% of Account Balance | Length of Certificate |
*APR= Annual Percentage Rate. Funds must be secured during the entire term of the loan.
Loan Type | APR (as low as)* | Payment | Max Finance Amount | Term |
---|---|---|---|---|
Signature | 13.49% | $27.08 per $1,000 | $15,000 | Up To 48 months |
KWIK Cash | 11.00% | $50 MIN, 5% of Balance | $15,000 | Revolving, Open Ended |
*APR=Annual Percentage Rate. Financing terms are based on creditworthiness and may change at any time.
Loan Type | APR (as low as)* | Payment | Max Finance Amount | Term |
---|---|---|---|---|
VISA Rewards | 10.90% | 3% of Balance | $15,000 | Revolving, Open Ended |
VISA Platinum | 8.90% | 3% of Balance | $15,000 | Revolving, Open Ended |
*APR=Annual Percentage Rate. Please review our VISA disclosure for terms and conditions.
Terms (months) | APR (as low as) | Payment per $1,000 |
---|---|---|
60 | 6.99% | $19.80 |
120 | 7.99% | $12.13 |
180 | 8.99% | $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.