Share Certificates
Give your money time to grow and the results can be impressive.
Depending on your financial outlook and life goals, the future can be right around the corner - or years down the line. The good news is that Share Certificates offer a range of savings periods, so you can pick one that best fits your definition of "tomorrow." Whatever your choice, you'll enjoy a higher dividend rate than what's offered by most traditional savings accounts.
Regular Certificates
- $500 minimum to open certificate
- Share Certificate terms range from 3 months to 10 years
- Tiered dividend system means bigger balances can earn more
- Safe, secure savings tool with some deposits insured by federal government
Wealth-Builder Certificate
- Available for members up to 18 years of age*
- $100 minimum deposit to open certificate
- Tiered dividend system means bigger balances can earn more
- Choice of one-year or two-year terms
- Additional deposits allowed ($50 minimum)
Empower Federal Credit Union is a full-service financial institution serving members throughout New York State.
Empowering you to make the best financial decisions.
Explore valuable tools and education to support your unique financial journey.
![](/getmedia/f7ead816-c240-4f76-8f31-09550248c42b/Checking.png?width=666&resizemode=force)
Simplify money management
Flexible features and even better benefits help you manage your money in a way that works for you.
*Once the certificate holder turns 18 years, the Wealth Builder Certificate will be converted to a standard Share Certificate. The conversion will not occur until the maturity date following the member's 18th birthday.