The Empower Federal Credit Union is a home equity loan from Empower Federal Credit Union. The ongoing APR is 60 months: rate 6.24%, APR 6.25%; 120 months: rate 6.74%, APR 6.75%; 180 months: rate 7.24%, APR 7.25% (effective October 01, 2026). Loan terms: 60, 120 or 180 months.