Empower Credit Union - New York, NY Statewide Branches

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Branch	Address	View Lobby Hours
Horizons FCU	3701 Vestal Pkwy E, Vestal, NY 13850	View Lobby Hours
Horizons FCU	120 Main St, Binghamton, NY 13905	View Lobby Hours
Horizons FCU @ BHA	45 Exchange ST, Binghamton, NY 13901	View Lobby Hours
Horizons FCU	519 Hooper Rd, Endwell, NY 13760	View Lobby Hours
Palatine Bridge	121 Palatine Plz, Palatine Bridge, NY 13428	View Lobby Hours
Baldwinsville	15 E Genesee St, Baldwinsville, NY 13027	View Lobby Hours
Fulton West	722 W Broadway, Fulton, NY 13069	View Lobby Hours
Purchase	100 Manhattanville Rd, Purchase, NY 10577	View Lobby Hours
515 Erie Blvd	515 Erie Blvd W, Syracuse, NY 13204	View Lobby Hours
Fulton East	520 S 2nd St, Fulton, NY 13069	View Lobby Hours
Fairmount	3700 W Genesee St, Syracuse, NY 13219	View Lobby Hours
VA Medical Center	800 Irving Ave, Syracuse, NY 13210	View Lobby Hours
Elmira	351 N Main St, Elmira, NY 14901	View Lobby Hours
North Medical	5112 W Taft Rd, Liverpool, NY 13088	View Lobby Hours
National Grid	300 Erie Blvd W, Syracuse, NY 13202	View Lobby Hours
Utica	1928 Genesee St, Utica, NY 13502	View Lobby Hours
Oswego	100 George St, Oswego, NY 13126	View Lobby Hours
Liverpool	7670 Morgan Rd, Liverpool, NY 13090	View Lobby Hours
Johnson City	760 Harry L Dr, Johnson City, NY 13790	View Lobby Hours
Cheektowaga	2690 Walden Ave, Cheektowaga, NY 14225	View Lobby Hours
Fayetteville	7320 E Genesee St, Fayetteville, NY 13066	View Lobby Hours

Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1835285	5.761%	5.625%	1.00	$4,800	$1,843	Learn More
NMLS ID: 135622 License#: 233759	5.827%	5.750%	0.50	$2,695	$1,868	Learn More
NMLS ID: 757416	6.058%	5.990%	0.75	$2,342	$1,917	Learn More
NMLS ID: 1025894	6.079%	5.990%	0.75	$3,062	$1,917	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Achieve Loans See Table	Intro APR 10.375 % After Intro: 10.375 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 600), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.74% - 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Requirements to obtain 6.74% APR include: DTI ratio < =15%; CLTV < = 50%, including new request; loan amount between $15,000 and $150,000; 10 year term ; FICO 800+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600

Empower Credit Union - New York, NY Statewide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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