The Empower Federal Credit Union is a personal line of credit from Empower Federal Credit Union. The ongoing APR is Variable: Index (Prime Rate) 7.00% + Margin 10.00% = Current APR 17.00%; Maximum APR 17.99% (effective September 17, 2026). Loan terms: Make payments on the Line of Credit every month, just as you would a credit card; as you make payments, those funds can be reused.