Today's rates from EMPOWER
| Product | Rate | APR | Points | We read | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 7% | 7.15% | 0 | Nov 2, 2026 Lender's sheet dated Oct 27, 2026 | Visit | |
| 20 Year Fixed | 6.625% | 6.817% | 0 | Nov 2, 2026 Lender's sheet dated Oct 27, 2026 | Visit | |
| 15 Year Fixed | 6.5% | 6.739% | 0 | Nov 2, 2026 Lender's sheet dated Oct 27, 2026 | Visit | |
| 10 Year Fixed | 6.25% | 6.585% | 0 | Nov 2, 2026 Lender's sheet dated Oct 27, 2026 | Visit | |
| 10 Year ARM | 6.5% | 6.729% | 0 | Nov 2, 2026 Lender's sheet dated Oct 27, 2026 | Visit |
Rate history
Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.
Collecting data — the trend chart appears after a few days of tracking.
Who can join EMPOWER
Empower FCU is open to anyone in the United States through a membership in the American Consumer Council. Individuals are also eligible if they live, work, worship, or attend school in their New York service area, work for a participating employer, or have a family member who is already a member.
Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
Association / SEG
American Consumer Council
Where EMPOWER writes mortgages
EMPOWER publishes mortgage lending in 7 states.
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
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