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51        <title>Blog | Central NY Credit Union | Personal Finance Tips | EFCU</title>
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100    <aside id="alerts" class="alerts" aria-label="Site Alerts">
101            <div class="alert alert-primary alert fade show" data-alertguid="EmpowerFCU_Alert_cf5fc960-629c-4f9d-94cb-34daa67d5be5">
102                <div class="container">
103                    <div class="alert-layout">
104                        <div class="alert-content" style="display:none;">
105                            <div class="alert-left-wrapper">
106                                    <div class="alert-icon">
107                                        <span class="fa fal fa-fw fa-circle-exclamation"></span>
108                                    </div>
109                                <div class="alert-rich-text">
110                                    <div>
111                                        <p><span data-teams="true" data-pasted="true">We care about your security. With text-based scams on the rise, please note that transaction alerts from Empower FCU come from short codes 86975, 40852, or 43783, not a full ten-digit number. If a text feels suspicious, don't engage. Call us directly at 315-477-2200 or 800-462-5000.</span></p>
112                                    </div>
113                                </div>
114                            </div>
115                            <div class="alert-close">
116                                    <button type="button" class="btn-minimize" data-alertguid="EmpowerFCU_Alert_cf5fc960-629c-4f9d-94cb-34daa67d5be5">
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120                            </div>
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123                                <button type="button" class="btn-maximize" data-alertguid="EmpowerFCU_Alert_cf5fc960-629c-4f9d-94cb-34daa67d5be5">
124                                    Open Message
125                                    <span class="fa fal fa-fw"></span>
126                                </button>
127                            </div>
128                    </div>
129                </div>
130            </div>
131    </aside>
132
133
134<header id="site-header" class="site-header" aria-label="Site Header">
135    <div class="site-header-upper">
136        <div class="container">
137            <div class="site-header-logo">
138                <a href="/">
139                    <img src="/Images/header-logo.png?v=DrDHYFb71K_H48xryXSwY1PGAX_m2Y-PsgwHGFcUS6Y" alt="Empower Federal Credit Union">
140                </a>
141            </div>
142            <div class="site-header-upper-right">
143                <div class="site-header-right">
144                        <div class="site-header-global">
145                            <ul>
146                                    <li>
147                                            <a href="/about-us/careers" target="_self" aria-label="">
148                                                <span class="text">Careers</span>
149                                            </a>
150                                    </li>
151                                    <li>
152                                            <a href="/about-us/rates" target="_self" aria-label="">
153                                                <span class="text">Rates</span>
154                                            </a>
155                                    </li>
156                                    <li>
157                                            <a href="/About-Us/Locations-Hours" target="_self" aria-label="">
158                                                <span class="text">Locations</span>
159                                            </a>
160                                    </li>
161                                    <li>
162                                            <a href="/about-us" target="_self" aria-label="">
163                                                <span class="text">About Us</span>
164                                            </a>
165                                    </li>
166                                    <li>
167                                            <a href="/about-us/contact-us" target="_self" aria-label="">
168                                                <span class="text">Contact</span>
169                                            </a>
170                                    </li>
171                            </ul>
172                        </div>
173                    <div class="site-header-search">
174                        <button class="btn btn-secondary offcanvas-button open-search" type="button" data-bs-toggle="offcanvas" data-bs-target="#site-header-search-offcanvas" aria-controls="site-header-search-offcanvas"><span class="fa fal fa-fw fa-magnifying-glass"></span><span class="text sr-only">Search</span></button>
175                        <div class="offcanvas offcanvas-top" tabindex="-1" id="site-header-search-offcanvas">
176                            <div class="container">
177                                <div class="offcanvas-header">
178                                    <div class="offcanvas-title h3" id="site-header-search-offcanvas-title">Search</div>
179                                    <button type="button" class="btn offcanvas-close" data-bs-dismiss="offcanvas"><span class="fa fal fa-fw fa-times"></span><span class="visually-hidden">Close search menu</span></button>
180                                </div>
181                                <div class="offcanvas-body">
182                                    <form class="mini-form" action="/Search-Results">
183                                        <fieldset>
184                                            <legend>Site Search for Header</legend>
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186                                                <span><span>Enter site search terms</span></span>
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189                                            <button type="submit"><span>Submit Site Search</span></button>
190                                        </fieldset>
191                                    </form>
192                                </div>
193                            </div>
194                        </div>
195                    </div>
196                </div>
197                    <div class="site-header-primary">
198                        <nav aria-label="Primary Navigation" role="tablist">
199                                
200    <button class="btn btn-secondary nav-lvl1-btn active" data-target="#NavPanel-26457" type="button" role="tab" aria-controls="NavPanel-26457" aria-selected="true">
201        <span class="text">Personal</span>
202    </button>
203
204                                
205    <button class="btn btn-secondary nav-lvl1-btn " data-target="#NavPanel-26426" type="button" role="tab" aria-controls="NavPanel-26426" aria-selected="false">
206        <span class="text">Business</span>
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208
209                                
210
211                                
212
213                                
214
215                                
216
217                                
218
219                        </nav>
220                    </div>
221            </div>
222
223        </div>
224    </div>
225    <div class="site-header-lower">
226        <div class="container">
227                    <div id="NavPanel-26457" class="mega-menu show">
228                        <div class="mega-menu-pages">
229                            <div class="container">
230                                
231                <div class="dropdown">
232                    <button class="btn btn-secondary nav-lvl2-btn " type="button" id="navlvl2btn-26487" data-target="#navlvl3dropdown-26487" aria-expanded="false">
233                        <span class="text">Bank</span>
234                        <span class="fa fas fa-fw"></span>
235                    </button>
236                        <div class="dropdown-menu nav-lvl3-dropdown" id="navlvl3dropdown-26487" style="max-height: 0;">
237                            <ul>
238                                    <li>
239                                            <a href="/personal/save-spend/checking">Checking</a>
240                                    </li>
241                                    <li>
242                                            <a href="/personal/save-spend/savings">Savings </a>
243                                    </li>
244                                    <li>
245                                            <a href="/personal/save-spend/checking/debit-mastercard" target="_self">Empower Debit Card</a>
246                                    </li>
247                                    <li>
248                                            <a href="/personal/save-spend/savings/share-savings-certificates" target="_self">Share Certificates</a>
249                                    </li>
250                                    <li>
251                                            <a href="/personal/save-spend/individual-retirement-accounts-ira">Individual Retirement Accounts (IRA)</a>
252                                    </li>
253                                    <li>
254                                            <a href="/personal/save-spend/health-savings-account-hsa">Health Savings Account (HSA)</a>
255                                    </li>
256                                    <li>
257                                            <a href="/personal/save-spend/trust-accounts">Trust Accounts</a>
258                                    </li>
259                            </ul>
260                        </div>
261                </div>
262                <div class="dropdown">
263                    <button class="btn btn-secondary nav-lvl2-btn " type="button" id="navlvl2btn-26479" data-target="#navlvl3dropdown-26479" aria-expanded="false">
264                        <span class="text">Borrow</span>
265                        <span class="fa fas fa-fw"></span>
266                    </button>
267                        <div class="dropdown-menu nav-lvl3-dropdown" id="navlvl3dropdown-26479" style="max-height: 0;">
268                            <ul>
269                                    <li>
270                                            <a href="/personal/borrow-credit/mortgage-loans">Mortgage Loans</a>
271                                    </li>
272                                    <li>
273                                            <a href="/personal/borrow-credit/home-equity-loans">Home Equity Loans</a>
274                                    </li>
275                                    <li>
276                                            <a href="/personal/borrow-credit/auto-center">Vehicle Loans</a>
277                                    </li>
278                                    <li>
279                                            <a href="/personal/borrow-credit/personal-loans">Personal Loans</a>
280                                    </li>
281                                    <li>
282                                            <a href="/personal/borrow-credit/student-loans">Student Loans </a>
283                                    </li>
284                                    <li>
285                                            <a href="/personal/borrow-credit/lines-of-credit">Lines of Credit </a>
286                                    </li>
287                                    <li>
288                                            <a href="/personal/borrow-credit/empower-credit-card">Empower FCU Credit Card</a>
289                                    </li>
290                            </ul>
291                        </div>
292                </div>
293                <div class="dropdown">
294                    <button class="btn btn-secondary nav-lvl2-btn " type="button" id="navlvl2btn-26473" data-target="#navlvl3dropdown-26473" aria-expanded="false">
295                        <span class="text">Manage</span>
296                        <span class="fa fas fa-fw"></span>
297                    </button>
298                        <div class="dropdown-menu nav-lvl3-dropdown" id="navlvl3dropdown-26473" style="max-height: 0;">
299                            <ul>
300                                    <li>
301                                            <a href="/personal/online-mobile/digital-banking">Digital Banking </a>
302                                    </li>
303                                    <li>
304                                            <a href="/personal/online-mobile/send-and-receive-money-with-zelle">Send and Receive Money with Zelle&#xAE; </a>
305                                    </li>
306                                    <li>
307                                            <a href="/personal/online-mobile/digital-wallet">Digital Wallet</a>
308                                    </li>
309                                    <li>
310                                            <a href="/personal/online-mobile/external-transfers">External Transfers</a>
311                                    </li>
312                                    <li>
313                                            <a href="/personal/online-mobile/claims">Claims</a>
314                                    </li>
315                            </ul>
316                        </div>
317                </div>
318                <div class="dropdown">
319                    <button class="btn btn-secondary nav-lvl2-btn " type="button" id="navlvl2btn-26467" data-target="#navlvl3dropdown-26467" aria-expanded="false">
320                        <span class="text">Services</span>
321                        <span class="fa fas fa-fw"></span>
322                    </button>
323                        <div class="dropdown-menu nav-lvl3-dropdown" id="navlvl3dropdown-26467" style="max-height: 0;">
324                            <ul>
325                                    <li>
326                                            <a href="/personal/invest-protect/wealth-management">Wealth Management </a>
327                                    </li>
328                                    <li>
329                                            <a href="/personal/invest-protect/insurance">Empower Insurance Services LLC</a>
330                                    </li>
331                                    <li>
332                                            <a href="/personal/invest-protect/medicare">Medicare</a>
333                                    </li>
334                                    <li>
335                                            <a href="/personal/invest-protect/trust-and-wills">Trust and Wills</a>
336                                    </li>
337                                    <li>
338                                            <a href="/personal/invest-protect/wealth-management/term-life-insurance" target="_self">Term Life Insurance</a>
339                                    </li>
340                            </ul>
341                        </div>
342                </div>
343                <div class="dropdown">
344                    <button class="btn btn-secondary nav-lvl2-btn active-state" t
344ype="button" id="navlvl2btn-26458" data-target="#navlvl3dropdown-26458" aria-expanded="false">
345                        <span class="text">Learn</span>
346                        <span class="fa fas fa-fw"></span>
347                    </button>
348                        <div class="dropdown-menu nav-lvl3-dropdown" id="navlvl3dropdown-26458" style="max-height: 0;">
349                            <ul>
350                                    <li>
351                                            <a href="/about-us/membership" target="_self">Membership</a>
352                                    </li>
353                                    <li>
354                                            <a href="/personal/tools-education/financial-calculators">Financial Calculators</a>
355                                    </li>
356                                    <li>
357                                            <a href="/personal/tools-education/security-fraud-center">Security &amp; Fraud Center </a>
358                                    </li>
359                                    <li>
360                                            <a href="/Personal/Tools-Education/Empower-Blog">Empower FCU Blog</a>
361                                    </li>
362                                    <li>
363                                            <a href="/personal/tools-education/youth-financial-education">Youth Financial Education</a>
364                                    </li>
365                                    <li>
366                                            <a href="/personal/tools-education/community-support">Community Impact</a>
367                                    </li>
368                                    <li>
369                                            <a href="/personal/tools-education/amphitheater">Empower Federal Credit Union Amphitheater</a>
370                                    </li>
371                                    <li>
372                                            <a href="/personal/tools-education/online-resources">Online Resources</a>
373                                    </li>
374                            </ul>
375                        </div>
376                </div>
377
378                            </div>
379                        </div>
380                    </div>
381                    <div id="NavPanel-26426" class="mega-menu ">
382                        <div class="mega-menu-pages">
383                            <div class="container">
384                                
385                <div class="dropdown">
386                    <button class="btn btn-secondary nav-lvl2-btn " type="button" id="navlvl2btn-26449" data-target="#navlvl3dropdown-26449" aria-expanded="false">
387                        <span class="text">Bank</span>
388                        <span class="fa fas fa-fw"></span>
389                    </button>
390                        <div class="dropdown-menu nav-lvl3-dropdown" id="navlvl3dropdown-26449" style="max-height: 0;">
391                            <ul>
392                                    <li>
393                                            <a href="/business/save-spend/business-checking">Business Checking </a>
394                                    </li>
395                                    <li>
396                                            <a href="/business/save-spend/business-membership-share-savings">Business Membership Share Savings </a>
397                                    </li>
398                                    <li>
399                                            <a href="/business/save-spend/business-money-market">Business Money Market </a>
400                                    </li>
401                                    <li>
402                                            <a href="/business/save-spend/business-share-certificate">Business Share Certificate </a>
403                                    </li>
404                                    <li>
405                                            <a href="/personal/save-spend/health-savings-account-hsa" target="_self">Business Health Savings Account</a>
406                                    </li>
407                                    <li>
408                                            <a href="/business/borrow-credit/business-mastercard-credit-card" target="_self">Business Mastercard Credit Card</a>
409                                    </li>
410                                    <li>
411                                            <a href="/business/save-spend/open-a-business-membership">Open a Business Membership</a>
412                                    </li>
413                            </ul>
414                        </div>
415                </div>
416                <div class="dropdown">
417                    <button class="btn btn-secondary nav-lvl2-btn " type="button" id="navlvl2btn-26440" data-target="#navlvl3dropdown-26440" aria-expanded="false">
418                        <span class="text">Borrow</span>
419                        <span class="fa fas fa-fw"></span>
420                    </button>
421                        <div class="dropdown-menu nav-lvl3-dropdown" id="navlvl3dropdown-26440" style="max-height: 0;">
422                            <ul>
423                                    <li>
424                                            <a href="/business/borrow-credit/business-auto-loans">Business Auto Loans</a>
425                                    </li>
426                                    <li>
427                                            <a href="/business/borrow-credit/commercial-mortgages">Commercial Mortgages </a>
428                                    </li>
429                                    <li>
430                                            <a href="/business/borrow-credit/construction-loans">Construction Loans</a>
431                                    </li>
432                                    <li>
433                                            <a href="/business/borrow-credit/business-lines-of-credit">Business Lines of Credit </a>
434                                    </li>
435                                    <li>
436                                            <a href="/business/borrow-credit/sba-guaranteed-loans">SBA Guaranteed Loans </a>
437                                    </li>
438                                    <li>
439                                            <a href="/business/borrow-credit/business-term-loans">Business Term Loans </a>
440                                    </li>
441                                    <li>
442                                            <a href="/business/borrow-credit/business-mastercard-credit-card">Business Mastercard Credit Card</a>
443                                    </li>
444                                    <li>
445                                            <a href="/business/borrow-credit/meet-our-business-lending-team">Meet Our Business Lending Team </a>
446                                    </li>
447                            </ul>
448                        </div>
449                </div>
450                <div class="dropdown">
451                    <button class="btn btn-secondary nav-lvl2-btn " type="button" id="navlvl2btn-26435" data-target="#navlvl3dropdown-26435" aria-expanded="false">
452                        <span class="text">Manage</span>
453                        <span class="fa fas fa-fw"></span>
454                    </button>
455                        <div class="dropdown-menu nav-lvl3-dropdown" id="navlvl3dropdown-26435" style="max-height: 0;">
456                            <ul>
457                                    <li>
458                                            <a href="/business/online-mobile/online-banking">Business Online Banking </a>
459                                    </li>
460                                    <li>
461                                            <a href="/business/online-mobile/small-business-banking">Business Banking Services</a>
462                                    </li>
463                                    <li>
464                                            <a href="/business/online-mobile/money-transfers">Money Transfers</a>
465                                    </li>
466                                    <li>
467                                            <a href="/business/online-mobile/send-and-receive-money-with-zelle">Send and Receive Money with Zelle&#xAE; </a>
468                                    </li>
469                            </ul>
470                        </div>
471                </div>
472                <div class="dropdown">
473                    <button class="btn btn-secondary nav-lvl2-btn " type="button" id="navlvl2btn-26433" data-target="#navlvl3dropdown-26433" aria-expanded="false">
474                        <span class="text">Membership</span>
475                        <span class="fa fas fa-fw"></span>
476                    </button>
477                        <div class="dropdown-menu nav-lvl3-dropdown" id="navlvl3dropdown-26433" style="max-height: 0;">
478                            <ul>
479                                    <li>
480                                            <a href="/business/membership-benefits/become-a-member-company">Become a Member Company </a>
481                                    </li>
482                            </ul>
483                        </div>
484                </div>
485                <div class="dropdown">
486                    <button class="btn btn-secondary nav-lvl2-btn " type="button" id="navlvl2btn-26427" data-target="#navlvl3dropdown-26427" aria-expanded="false">
487                        <span class="text">Learn</span>
488                        <span class="fa fas fa-fw"></span>
489                    </button>
490                        <div class="dropdown-menu nav-lvl3-dropdown" id="navlvl3dropdown-26427" style="max-height: 0;">
491                            <ul>
492                                    <li>
493                                            <a href="/about-us/our-story" target="_self">Our Story</a>
494                                    </li>
495                                    <li>
496                                            <a href="/about-us/community-support" target="_self">Community Support</a>
497                                    </li>
498                                    <li>
499                                            <a href="/about-us/news" target="_self">News</a>
500                                    </li>
501                                    <li>
502                                            <a href="/about-us/careers" target="_self">Careers</a>
503                                    </li>
504                                    <li>
505                                            <a href="/about-us/locations-hours" target="_self">Locations &amp; ATMs</a>
506                                    </li>
507                            </ul>
508                        </div>
509                </div>
510
511                            </div>
512                        </div>
513                    </div>
514            <div class="olb-wrapper">
515                    <div class="olb-links">
516                            <a class="olb-link" href="#login-modal" target="_self" aria-label="">
517                                <span class="text">Open an Account</span>
518                            </a>
519                    </div>
520                <button class="btn btn-primary offcanvas-button olb-button" data-bs-toggle="offcanvas" data-bs-target="#loginFormContainer" aria-controls="loginFormContainer"><span class="fa fas fa-fw fa-lock"></span><span class="text">Online Banking</span></button>
521            </div>
522        </div>
523    </div>
524    <div class="site-header-mobile">
525        <div class="site-header-upper-mobile">
526            <nav aria-label="Mobile Navigation">
527                    
528    <button class="btn btn-secondary nav-lvl1-btn active" data-target-panel="#mobilePanel_26457" type="button" data-bs-toggle="offcanvas" data-bs-target="#hamburgerMenu" aria-controls="hamburgerMenu">
529        <span class="sr-only">Open </span> <span class="text">Personal</span><span class="sr-only"> Menu</span>
530    </button>
531
532                    
533    <button class="btn btn-secondary nav-lvl1-btn " data-target-panel="#mobilePanel_26426" type="button" data-bs-toggle="offcanvas" data-bs-target="#hamburgerMenu" aria-controls="hamburgerMenu">
534        <span class="sr-only">Open </span> <span class="text">Business</span><span class="sr-only"> Menu</span>
535    </button>
536
537                    
538
539                    
540
541                    
542
543                    
544
545                    
546
547            </nav>
548        </div>
549
550        <div class="site-header-middle-mobile">
551            <div class="container">
552                <div class="site-header-logo">
553                    <a href="/">
554                        <img src="/Images/header-logo.png?v=DrDHYFb71K_H48xryXSwY1PGAX_m2Y-PsgwHGFcUS6Y" alt="Empower Federal Credit Union">
555                    </a>
556                    <button class="btn hamburger-nav-toggle offcanvas-button" type="button" data-bs-toggle="offcanvas" data-bs-target="#hamburgerMenu" aria-controls="hamburgerMenu">
557                        <span class="text">Menu</span>
558                        <span class="fa fal fa-fw fa-bars"></span>
559                    </button>
560                </div>
561            </div>
562        </div>
563        <div class="site-header-lower-mobile">
564            <button class="btn btn-primary offcanvas-button olb-button" data-bs-toggle="offcanvas" data-bs-target="#loginFormContainer" aria-controls="loginFormContainer"><span class="fa fas fa-fw fa-lock"></span><span class="text">Online Banking</span></button>
565        </div>
566
567    </div>
568    <div class="site-header-login offcanvas offcanvas-end" id="loginFormContainer">
569        <div class="container">
570            <div class="offcanvas-header">
571                <button type="button" class="btn offcanvas-close" data-bs-dismiss="offcanvas"><span class="fa fal fa-fw fa-times"></span><span class="visually-hidden">Close online banking login</span></button>
572                <div class="h3">Log in to <em>Empower FCU</em></div>
573            </div>
574            <div class="offcanvas-body">
575                
576<div class="login-content">
577    <form action="https://my.empowerfcu.com/Authentication/Username" method="post" enctype="application/x-www-form-urlencoded" target="_parent" aria-label="Online Banking Login">
578        <div class="login__wrapper">
579            <input class="login__input" type="text" name="UserName" placeholder="Username" aria-label="Username">
580            <input class="login__input" type="password" name="Password" placeholder="Password" aria-label="Password" autocomplete="current-password">
581            <button class="login__submit btn btn-primary" type="submit"><span class="fa fas fa-fw fa-lock"></span><span class="text">Log in</span></button>
582        </div>
583    </form>
584        <div class="olb-links-mobile">
585                <a href="https://my.empowerfcu.com/ForgotUsername " target="_self">Forgot Username</a>
586                <a href="https://my.empowerfcu.com/ForgotPassword " target="_self">Forgot Password</a>
587                <a href="https://my.empowerfcu.com/Registration" target="_self" aria-label="New User Registration For This">Enroll in Online Banking</a>
588        </div>
589</div>
590
591            </div>
592
593        </div>
594    </div>
595    <div class="hamburger-menu offcanvas offcanvas-end" tabindex="-1" id="hamburgerMenu" aria-modal="true" role="dialog">
596        <div class="offcanvas-header">
597            <div id="hamburgerMenuLabel" class="visually-hidden">Site Menu</div>
598            <button type="button" class="offcanvas-close" data-bs-dismiss="offcanvas"><span class="visually-hidden">Menu Close</span></button>
599
600                <div class="olb-links">
601                        <a class="olb-link" href="#login-modal" target="_self" aria-label="">
602                            <span class="text">Open an Account</span>
603                        </a>
604                </div>
605
606        </div>
607        <div class="offcanvas-body">
608                <div class="site-header-mobile-primary">
609                    <nav aria-label="Mobile Primary Navigation" id="mega-menu-mobile-collapse-parent">
610                            
611    <a id="mobilePanel_26457" class="collapsed active" data-bs-toggle="collapse" href="#mobile-mega-menu-0945d016-5895-4231-8692-255e74aa8e04" role="button" aria-expanded="false" aria-controls="mobile-mega-menu-0945d016-5895-4231-8692-255e74aa8e04"><span class="text">Personal</span></a>
612        <div class="mega-menu collapse" id="mobile-mega-menu-0945d016-5895-4231-8692-255e74aa8e04" data-bs-parent="#mega-menu-mobile-collapse-parent">
613            <div class="mega-menu-pages">
614                <div class="container" id="mobile-lvl2-menu-0945d016-5895-4231-8692-255e74aa8e04">
615                        
616    <a class="collapsed" data-bs-toggle="collapse" href="#mobile-mega-menu-6fbaa530-12b5-49cd-93e3-60d414ec64e0" role="button" aria-expanded="false" aria-controls="mobile-mega-menu-6fbaa530-12b5-49cd-93e3-60d414ec64e0"><span class="text">Bank</span></a>
617        <div class="mega-menu collapse" id="mobile-mega-menu-6fbaa530-12b5-49cd-93e3-60d414ec64e0">
618            <div class="mega-menu-pages">
619                <div class="container level-2">
620                            <a href="/personal/save-spend/checking">Checking</a>
621                            <a href="/personal/save-spend/savings">Savings </a>
622                            <a href="/personal/save-spend/checking/debit-mastercard" target="_self">Empower Debit Card</a>
623                            <a href="/personal/save-spend/savings/share-savings-certificates" target="_self">Share Certificates</a>
624                            <a href="/personal/save-spend/individual-retirement-accounts-ira">Individual Retirement Accounts (IRA)</a>
625                            <a href="/personal/save-spend/health-savings-account-hsa">Health Savings Account (HSA)</a>
626                            <a href="/personal/save-spend/trust-accounts">Trust Accounts</a>
627                </div>
628            </div>
629        </div>
630
631                        
632    <a class="collapsed" data-bs-toggle="collapse" href="#mobile-mega-menu-f1e3f081-46bb-4059-867a-d3994f6a4844" role="button" aria-expanded="false" aria-controls="mobile-mega-menu-f1e3f081-46bb-4059-867a-d3994f6a4844"><span class="text">Borrow</span></a>
633        <div class="mega-menu collapse" id="mobile-mega-menu-f1e3f081-46bb-4059-867a-d3994f6a4844">
634            <div class="mega-menu-pages">
635                <div class="container level-2">
636                            <a href="/personal/borrow-credit/mortgage-loans">Mortgage Loans</a>
637                            <a href="/personal/borrow-credit/home-equity-loans">Home Equity Loans</a>
638                            <a href="/personal/borrow-credit/auto-center">Vehicle Loans</a>
639                            <a href="/personal/borrow-credit/personal-loans">Personal Loans</a>
640                            <a href="/personal/borrow-credit/student-loans">Student Loans </a>
641                            <a href="/personal/borrow-credit/lines-of-credit">Lines of Credit </a>
642                            <a href="/personal/borrow-credit/empower-credit-card">Empower FCU Credit Card</a>
643                </div>
644            </div>
645        </div>
646
647                        
648    <a class="collapsed" data-bs-toggle="collapse" href="#mobile-mega-menu-54f230d6-f035-47f8-bf15-0d60eb377567" role="button" aria-expanded="false" aria-controls="mobile-mega-menu-54f230d6-f035-47f8-bf15-0d60eb377567"><span class="text">Manage</span></a>
649        <div class="mega-menu collapse" id="mobile-mega-menu-54f230d6-f035-47f8-bf15-0d60eb377567">
650            <div class="mega-menu-pages">
651                <div class="container level-2">
652                            <a href="/personal/online-mobile/digital-banking">Digital Banking </a>
653                            <a href="/personal/online-mobile/send-and-receive-money-with-zelle">Send and Receive Money with Zelle&#xAE;
653 </a>
654                            <a href="/personal/online-mobile/digital-wallet">Digital Wallet</a>
655                            <a href="/personal/online-mobile/external-transfers">External Transfers</a>
656                            <a href="/personal/online-mobile/claims">Claims</a>
657                </div>
658            </div>
659        </div>
660
661                        
662    <a class="collapsed" data-bs-toggle="collapse" href="#mobile-mega-menu-622305cb-5a65-4c5d-8829-803629e30092" role="button" aria-expanded="false" aria-controls="mobile-mega-menu-622305cb-5a65-4c5d-8829-803629e30092"><span class="text">Services</span></a>
663        <div class="mega-menu collapse" id="mobile-mega-menu-622305cb-5a65-4c5d-8829-803629e30092">
664            <div class="mega-menu-pages">
665                <div class="container level-2">
666                            <a href="/personal/invest-protect/wealth-management">Wealth Management </a>
667                            <a href="/personal/invest-protect/insurance">Empower Insurance Services LLC</a>
668                            <a href="/personal/invest-protect/medicare">Medicare</a>
669                            <a href="/personal/invest-protect/trust-and-wills">Trust and Wills</a>
670                            <a href="/personal/invest-protect/wealth-management/term-life-insurance" target="_self">Term Life Insurance</a>
671                </div>
672            </div>
673        </div>
674
675                        
676    <a class="collapsed" data-bs-toggle="collapse" href="#mobile-mega-menu-1a9f207a-2297-4fb1-8375-08e007a04b17" role="button" aria-expanded="false" aria-controls="mobile-mega-menu-1a9f207a-2297-4fb1-8375-08e007a04b17"><span class="text">Learn</span></a>
677        <div class="mega-menu collapse" id="mobile-mega-menu-1a9f207a-2297-4fb1-8375-08e007a04b17">
678            <div class="mega-menu-pages">
679                <div class="container level-2">
680                            <a href="/about-us/membership" target="_self">Membership</a>
681                            <a href="/personal/tools-education/financial-calculators">Financial Calculators</a>
682                            <a href="/personal/tools-education/security-fraud-center">Security &amp; Fraud Center </a>
683                            <a href="/Personal/Tools-Education/Empower-Blog">Empower FCU Blog</a>
684                            <a href="/personal/tools-education/youth-financial-education">Youth Financial Education</a>
685                            <a href="/personal/tools-education/community-support">Community Impact</a>
686                            <a href="/personal/tools-education/amphitheater">Empower Federal Credit Union Amphitheater</a>
687                            <a href="/personal/tools-education/online-resources">Online Resources</a>
688                </div>
689            </div>
690        </div>
691
692                </div>
693            </div>
694        </div>
695
696                            
697    <a id="mobilePanel_26426" class="collapsed " data-bs-toggle="collapse" href="#mobile-mega-menu-41c47d4a-05a8-4454-a3b9-566e6c1d901f" role="button" aria-expanded="false" aria-controls="mobile-mega-menu-41c47d4a-05a8-4454-a3b9-566e6c1d901f"><span class="text">Business</span></a>
698        <div class="mega-menu collapse" id="mobile-mega-menu-41c47d4a-05a8-4454-a3b9-566e6c1d901f" data-bs-parent="#mega-menu-mobile-collapse-parent">
699            <div class="mega-menu-pages">
700                <div class="container" id="mobile-lvl2-menu-41c47d4a-05a8-4454-a3b9-566e6c1d901f">
701                        
702    <a class="collapsed" data-bs-toggle="collapse" href="#mobile-mega-menu-994f681e-dd46-4674-a0e5-3d5c0b3e427f" role="button" aria-expanded="false" aria-controls="mobile-mega-menu-994f681e-dd46-4674-a0e5-3d5c0b3e427f"><span class="text">Bank</span></a>
703        <div class="mega-menu collapse" id="mobile-mega-menu-994f681e-dd46-4674-a0e5-3d5c0b3e427f">
704            <div class="mega-menu-pages">
705                <div class="container level-2">
706                            <a href="/business/save-spend/business-checking">Business Checking </a>
707                            <a href="/business/save-spend/business-membership-share-savings">Business Membership Share Savings </a>
708                            <a href="/business/save-spend/business-money-market">Business Money Market </a>
709                            <a href="/business/save-spend/business-share-certificate">Business Share Certificate </a>
710                            <a href="/personal/save-spend/health-savings-account-hsa" target="_self">Business Health Savings Account</a>
711                            <a href="/business/borrow-credit/business-mastercard-credit-card" target="_self">Business Mastercard Credit Card</a>
712                            <a href="/business/save-spend/open-a-business-membership">Open a Business Membership</a>
713                </div>
714            </div>
715        </div>
716
717                        
718    <a class="collapsed" data-bs-toggle="collapse" href="#mobile-mega-menu-73ef6092-71be-4181-b35b-11968d20ad0a" role="button" aria-expanded="false" aria-controls="mobile-mega-menu-73ef6092-71be-4181-b35b-11968d20ad0a"><span class="text">Borrow</span></a>
719        <div class="mega-menu collapse" id="mobile-mega-menu-73ef6092-71be-4181-b35b-11968d20ad0a">
720            <div class="mega-menu-pages">
721                <div class="container level-2">
722                            <a href="/business/borrow-credit/business-auto-loans">Business Auto Loans</a>
723                            <a href="/business/borrow-credit/commercial-mortgages">Commercial Mortgages </a>
724                            <a href="/business/borrow-credit/construction-loans">Construction Loans</a>
725                            <a href="/business/borrow-credit/business-lines-of-credit">Business Lines of Credit </a>
726                            <a href="/business/borrow-credit/sba-guaranteed-loans">SBA Guaranteed Loans </a>
727                            <a href="/business/borrow-credit/business-term-loans">Business Term Loans </a>
728                            <a href="/business/borrow-credit/business-mastercard-credit-card">Business Mastercard Credit Card</a>
729                            <a href="/business/borrow-credit/meet-our-business-lending-team">Meet Our Business Lending Team </a>
730                </div>
731            </div>
732        </div>
733
734                        
735    <a class="collapsed" data-bs-toggle="collapse" href="#mobile-mega-menu-7579f901-9063-4934-a15e-9c2f2a1a786c" role="button" aria-expanded="false" aria-controls="mobile-mega-menu-7579f901-9063-4934-a15e-9c2f2a1a786c"><span class="text">Manage</span></a>
736        <div class="mega-menu collapse" id="mobile-mega-menu-7579f901-9063-4934-a15e-9c2f2a1a786c">
737            <div class="mega-menu-pages">
738                <div class="container level-2">
739                            <a href="/business/online-mobile/online-banking">Business Online Banking </a>
740                            <a href="/business/online-mobile/small-business-banking">Business Banking Services</a>
741                            <a href="/business/online-mobile/money-transfers">Money Transfers</a>
742                            <a href="/business/online-mobile/send-and-receive-money-with-zelle">Send and Receive Money with Zelle&#xAE;
742 </a>
743                </div>
744            </div>
745        </div>
746
747                        
748    <a class="collapsed" data-bs-toggle="collapse" href="#mobile-mega-menu-7790cfc6-cc02-4c28-aeb7-3d9f683f2448" role="button" aria-expanded="false" aria-controls="mobile-mega-menu-7790cfc6-cc02-4c28-aeb7-3d9f683f2448"><span class="text">Membership</span></a>
749        <div class="mega-menu collapse" id="mobile-mega-menu-7790cfc6-cc02-4c28-aeb7-3d9f683f2448">
750            <div class="mega-menu-pages">
751                <div class="container level-2">
752                            <a href="/business/membership-benefits/become-a-member-company">Become a Member Company </a>
753                </div>
754            </div>
755        </div>
756
757                        
758    <a class="collapsed" data-bs-toggle="collapse" href="#mobile-mega-menu-90807a71-46c3-4029-812b-24a9154bc033" role="button" aria-expanded="false" aria-controls="mobile-mega-menu-90807a71-46c3-4029-812b-24a9154bc033"><span class="text">Learn</span></a>
759        <div class="mega-menu collapse" id="mobile-mega-menu-90807a71-46c3-4029-812b-24a9154bc033">
760            <div class="mega-menu-pages">
761                <div class="container level-2">
762                            <a href="/about-us/our-story" target="_self">Our Story</a>
763                            <a href="/about-us/community-support" target="_self">Community Support</a>
764                            <a href="/about-us/news" target="_self">News</a>
765                            <a href="/about-us/careers" target="_self">Careers</a>
766                            <a href="/about-us/locations-hours" target="_self">Locations &amp; ATMs</a>
767                </div>
768            </div>
769        </div>
770
771                </div>
772            </div>
773        </div>
774
775                            
776
777                            
778
779                            
780
781                            
782
783                            
784
785                    </nav>
786                </div>
787                <div class="site-header-global">
788                    <ul>
789                            <li>
790                                    <a href="/about-us/careers" target="_self" aria-label="">
791                                        <span class="text">Careers</span>
792                                    </a>
793                            </li>
794                            <li>
795                                    <a href="/about-us/rates" target="_self" aria-label="">
796                                        <span class="text">Rates</span>
797                                    </a>
798                            </li>
799                            <li>
800                                    <a href="/About-Us/Locations-Hours" target="_self" aria-label="">
801                                        <span class="text">Locations</span>
802                                    </a>
803                            </li>
804                            <li>
805                                    <a href="/about-us" target="_self" aria-label="">
806                                        <span class="text">About Us</span>
807                                    </a>
808                            </li>
809                            <li>
810                                    <a href="/about-us/contact-us" target="_self" aria-label="">
811                                        <span class="text">Contact</span>
812                                    </a>
813                            </li>
814                    </ul>
815                </div>
816
817            <div class="site-header-mobile-search">
818                <div class="container">
819                    <form class="mini-form" action="/Search-Results">
820                        <fieldset>
821                            <legend>Site Search for Header</legend>
822                            <button type="submit"><span>Submit Site Search</span></button>
823                            <label>
824                                <span><span>Enter site search terms</span></span>
825                                <input type="text" class="form-control" name="SearchTerm" placeholder="Search" value="">
826                            </label>
827                        </fieldset>
828                    </form>
829                </div>
830            </div>
831        </div>
832    </div>
833</header>
834
835<main id="site-main" class="site-main" aria-label="Site Main Content">
836    
837<div class="blog-navigation" id="blog-navigation">
838    <div class="blog-navigation-layout">
839        <div class="blog-navigation-masthead">
840            <div class="container">
841                
842<div class="page-breadcrumb" id="page-breadcrumb">
843    <nav aria-label="Breadcrumb navigation">
844        <ol class="breadcrumb">
845                    <li class="breadcrumb-item"><span>Personal</span></li>
846                    <li class="breadcrumb-item"><span>Learn</span></li>
847                    <li class="breadcrumb-item"><span>Empower FCU Blog</span></li>
848        </ol>
849    </nav>
850</div>
851                <div class="blog-navigation-title-content">
852                    <div class="blog-navigation-title">
853                            <h1>
854                                <span>Empower FCU Blog</span>
855                            </h1>
856                    </div>
857                    <div class="blog-navigation-subtitle">
858                            <span>Expert Advice and Tools for Every Stage of Your Financial Journey</span>
859                    </div>
860                </div>
861            </div>
862        </div>
863    </div>
864</div>
865
866    
867<div class="blog">
868        
869<div class="blog-posts-featured" id="blog-posts-featured">
870    <div class="container">
871        <div class="blog-posts-featured-layout">
872            <div class="blog-posts-featured-card-wrapper">
873                <div class="item-blog-post item-blog-post-featured">
874                    <div class="item-blog-post-featured-tag">Featured</div>
875                    <div class="item-blog-post-content">
876                        <div class="item-blog-post-text-content">
877                                <a class="item-blog-post-title" href="/personal/tools-education/blog/protecting-business-from-fraud/tips-for-protecting-your-business-from-fraud">
878                                    <h2 class="blog-post-title">
879                                        <p>Tips for Protecting Your Business from Fraud</p>
880                                    </h2>
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882                                <div class="item-blog-post-meta">By Empower FCU</div>
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984                            Debunking the Myths of Wealth Management
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1007                            Two-Factor Authentication: A Must for Digital Security  
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1030                            Eight Ways to Protect Yourself from Fraud 
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1053                            Watch &amp; Learn: Find an ATM or Empower FCU Branch. Easy.&nbsp;
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1075                        <h2 class="blog-post-title">
1076                            Spoofing: How to Stop This Scam Before It Starts 
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1079                    <div class="item-blog-post-meta">By Empower FCU</div>
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1098                        <h2 class="blog-post-title">
1099                            4 Tips for Financial Wellness Month
1100                        </h2>
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1102                    <div class="item-blog-post-meta">By Empower FCU</div>
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1122                            Romance Scams: How to Spot Them, Stop Them, and Protect Yourself.
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1125                    <div class="item-blog-post-meta">By Empower FCU</div>
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1145                            What's a Share Certificate? 4 Facts to Know. 
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1168                            Phishing and Vishing: How to Spot and Avoid Scams 
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1171                    <div class="item-blog-post-meta">By Empower FCU</div>
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1190                        <h2 class="blog-post-title">
1191                            Introducing Our New ATM and Branch Locator Tool 
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1194                    <div class="item-blog-post-meta">By Empower FCU</div>
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1214                            Member Business Spotlight: Witty Wicks
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1294                                <span class="fa fa-fw fal fa-circle-phone footer-fa"></span>
1295                                <div class="footer-call-numbers">
1296                                        <a href="tel:3154772200" target="_self">315.477.2200</a>
1297                                            <span class="vertline">|</span>
1298                                        <a href="tel:8004625000" target="_self">800.462.5000</a>
1299                                </div>
1300                            </div>
1301                        </div>
1302                        <div class="footer-message">
1303                            <div class="footer-upper-label">
1304                                Get in Touch
1305                            </div>
1306                            <div class="footer-message-links footer-link-wrapper">
1307                                    <span class="fa footer-fa fa-fw fal fa-circle-info"></span>
1308                                    <a class="footer-message-link footer-link-text" href="/about-us/contact-us" target="_self">Contact Us</a>
1309                            </div>
1310                        </div>
1311                </div>
1312                <div class="col col-12 col-sm-6 col-lg-3">
1313                        <div class="footer-join">
1314                            <div class="footer-upper-label">
1315                                Join
1316                            </div>
1317                            <div class="footer-join-links">
1318                                    <div class="site-join-link-wrapper footer-link-wrapper">
1319                                        <span class="fa fa-fw fw fal fa-circle-user footer-fa"></span>
1320                                        <a href="https://open.empowerfcu.com/products?customerCategory=personal&amp;productType=all" target="_self" class="footer-join-link footer-link-text">Apply to Join</a>
1321                                    </div>
1322                            </div>
1323                        </div>
1324                </div>
1325                <div class="col col-12  col-sm-6 col-lg-3">
1326                        <div class="footer-popular">
1327                            <div class="footer-upper-label">
1328                                Popular
1329                            </div>
1330                            <div class="footer-popular-links">
1331                                    <div class="site-popular-link-wrapper footer-link-wrapper">
1332                                        <a href="/member-center" target="_self" class="footer-popular-link footer-link-text">Member Center</a>
1333                                    </div>
1334                                    <div class="site-popular-link-wrapper footer-link-wrapper">
1335                                        <a href="/about-us/our-story" target="_self" class="footer-popular-link footer-link-text">Our Story</a>
1336                                    </div>
1337                                    <div class="site-popular-link-wrapper footer-link-wrapper">
1338                                        <a href="/about-us/community-support" target="_self" class="footer-popular-link footer-link-text">Community Support</a>
1339                                    </div>
1340                                    <div class="site-popular-link-wrapper footer-link-wrapper">
1341                                        <a href="/about-us/membership-benefits" target="_self" class="footer-popular-link footer-link-text">Membership &amp; Benefits</a>
1342                                    </div>
1343                                    <div class="site-popular-link-wrapper footer-link-wrapper">
1344                                        <a href="/about-us/news" target="_self" class="footer-popular-link footer-link-text">News</a>
1345                                    </div>
1346                                    <div class="site-popular-link-wrapper footer-link-wrapper">
1347                                        <a href="/about-us/careers" target="_self" class="footer-popular-link footer-link-text">Careers</a>
1348                                    </div>
1349                                    <div class="site-popular-link-wrapper footer-link-wrapper">
1350                                        <a href="/about-us/locations-hours" target="_self" class="footer-popular-link footer-link-text">Locations &amp; ATMs</a>
1351                                    </div>
1352                                    <div class="site-popular-link-wrapper footer-link-wrapper">
1353                                        <a href="javascript:void(0)" target="_self" class="footer-popular-link footer-link-text">Get CoBrowsing Code</a>
1354                                    </div>
1355                            </div>
1356                        </div>
1357                </div>
1358            </div>
1359            <div class="footer-middle row">
1360                    <div class="site-footer-trust">
1361                                    <a href="https://www.hud.gov/">
1362                                        <img src="/images/footer-ehl.png" alt="Equal Housing Lender" class="trust">
1363                                    </a>
1364                            <div class="trust-text">
1365                                <p>This credit union is federally insured by the National Credit Union Administration. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Equal Housing Lender. We operate in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.</p>
1366                            </div>
1367                    </div>
1368                    <div class="site-footer-seo">
1369                            <div class="site-footer-seo-text">
1370                                    <div class="site-footer-seo-rich-text"><p><em>
1370NMLS #412348</em></p><p><br></p><p>Empower Federal Credit Union welcomes employees of many companies, immediate family/household members of employees and retirees, as well as our outreach to underserved communities to enjoy personal and business banking solutions including auto loan, mortgages*, credit cards and more. Bank online, in any central NY branch, or call us at <a href="tel:3154772200">315.477.2200</a>.</p><p>* First mortgage products available in CT, FL, PA, NY, NC, NY, SC, and TN, home equity products available in CT, PA, and NY.</p></div>
1371                            </div>
1372                            <div class="best-companies">
1373                                    <div class="best-companies-images">
1374                                                <img src="/getContentAsset/fa50e81e-93e4-41de-b5a4-a1597832d137/bd9e9f4d-9bd3-4fd9-b768-227495ff59c1/BPNY2024-png-1.png?language=en" alt="Best Companies to work for New York 2024">
1375                                                <img src="/getContentAsset/cc47df79-e9c9-43ef-b041-2bc6002af6f8/bd9e9f4d-9bd3-4fd9-b768-227495ff59c1/CNY_Readers_Choice_2022_WINNER.png?language=en" alt="Readers&#x27; Choice Winner 2022 CNY">
1376                                                <img src="/getContentAsset/53f95228-b488-490d-bef8-308d88ae33c7/bd9e9f4d-9bd3-4fd9-b768-227495ff59c1/Empower-federal-Credit-Union-Mar-2023.jpg?language=en" alt="Empower Federal Credit Union Rated 5-Stars By Bauer. Awarded March 2023. www.bauerfinancial.com">
1377                                                <img src="/getContentAsset/d9d4becc-f88b-49d0-ad3c-a3dc4bf52ac8/bd9e9f4d-9bd3-4fd9-b768-227495ff59c1/Empower_Federal_Credit_Union_2023_Certification_Badge.png?language=en" alt="Great Place to Work certified July 2023-June 2024">
1378                                    </div>
1379                            </div>
1380                    </div>
1381            </div>
1382            <div class="footer-lower">
1383                    <div class="site-footer-links">
1384                            <div class="site-footer-link">
1385                                <a href="https://www.empowerfcu.com/privacy" target="_self">
1386                                    <span class="text">Privacy </span>
1387                                </a>
1388                            </div>
1389                            <div class="site-footer-link">
1390                                <a href="/Disclosures" target="_self">
1391                                    <span class="text">Disclosures</span>
1392                                </a>
1393                            </div>
1394                            <div class="site-footer-link">
1395                                <a href="https://www.empowerfcu.com/termsofuse" target="_self">
1396                                    <span class="text">Terms of Use </span>
1397                                </a>
1398                            </div>
1399                            <div class="site-footer-link">
1400                                <a href="/Website-Accessibility" target="_self">
1401                                    <span class="text">Accessibility</span>
1402                                </a>
1403                            </div>
1404                            <div class="site-footer-link">
1405                                <a href="/browser-requirements" target="_self">
1406                                    <span class="text">Browser Requirements</span>
1407                                </a>
1408                            </div>
1409                            <div class="site-footer-link">
1410                                <a href="/Sitemap" target="_self">
1411                                    <span class="text">Sitemap</span>
1412                                </a>
1413                            </div>
1414                    </div>
1415                    <div class="site-footer-copyright"><p>© 2026 Empower FCU. All rights reserved. Website by <a href="https://zaginteractive.com" target="_blank">ZAG Interactive</a></p></div>
1416            </div>
1417        </div>
1418    </div>
1419</footer>
1420
1421        
1422<aside class="login-modal" id="login-modal" aria-label="Login Modal">
1423    <div class="modal fade" id="LoginModal" tabindex="-1" aria-hidden="true" data-trigger="login-modal">
1424        <div class="modal-dialog">
1425            <div class="modal-content">
1426                <div class="modal-header">
1427                    <div class="modal-intro rich-text">
1428                        <div class="h2" style="text-align: center">Open Your Account</div><p style="text-align: center">It’s easy to become an Empower FCU member and start taking advantage of great rates, simple digital banking, and service that puts you first.</p>
1429                    </div>
1430                    <a class="btn-close" href="javascript:void(0);" data-bs-dismiss="modal">
1431                        <span class="fa fal fa-fw fa-times"></span>
1432                        <span class="text">Close</span>
1433                    </a>
1434                </div>
1435                <div class="modal-body">
1436                    <div class="row">
1437                        <div class="col col-12 col-md-6">
1438                            <div class="login-label">
1439                                <h3>Existing Member</h3>
1440                            </div>
1441                            
1442<div class="login-content">
1443    <form action="https://my.empowerfcu.com/Authentication/Username" method="post" enctype="application/x-www-form-urlencoded" target="_parent" aria-label="Online Banking Login">
1444        <div class="login__wrapper">
1445            <input class="login__input" type="text" name="UserName" placeholder="Username" aria-label="Username">
1446            <input class="login__input" type="password" name="Password" placeholder="Password" aria-label="Password" autocomplete="current-password">
1447            <button class="login__submit btn btn-primary" type="submit"><span class="fa fas fa-fw fa-lock"></span><span class="text">Log in</span></button>
1448        </div>
1449    </form>
1450        <div class="olb-links-mobile">
1451                <a href="https://my.empowerfcu.com/ForgotUsername " target="_self">Forgot Username</a>
1452                <a href="https://my.empowerfcu.com/ForgotPassword " target="_self">Forgot Password</a>
1453                <a href="https://my.empowerfcu.com/Registration" target="_self" aria-label="New User Registration For This">Enroll in Online Banking</a>
1454        </div>
1455</div>
1456
1457                        </div>
1458                        <div class="col col-12 col-md-6">
1459                            <div class="rich-text">
1460                                <h3>New Member</h3>
1461                            </div>
1462                                <div class="cta">
1463                                        <a href="https://open.empowerfcu.com" class="btn btn-quaternary" target="_blank">Apply to Join</a>
1464                                </div>
1465                        </div>
1466                    </div>
1467                </div>
1468                <div class="modal-footer">
1469                    <div class="rich-text">
1470                        <p>If you are currently not signed up for Online Banking, please click <a href="https://my.empowerfcu.com/Registration">Enroll in Online Banking</a>.</p>
1471                    </div>
1472                </div>
1473            </div>
1474        </div>
1475    </div>
1476</aside>
1477        
1478<aside class="site-speedbump" id="site-speedbump" aria-label="Site Speedbump">
1479    <div class="modal fade" id="SpeedbumpModal" tabindex="-1" aria-hidden="true">
1480        <div class="modal-dialog">
1481            <div class="modal-content">
1482                <div class="modal-header">
1483                    <div class="modal-title" id="SpeedbumpModalLabel">
1484<p>Thanks for visiting us! You are now leaving <em>Empower FCU</em></p>                    </div>
1485                    <a class="btn-close" href="javascript:void(0);" data-bs-dismiss="modal"><span class="fa fal fa-fw fa-times"></span><span class="text">Close</span></a>
1486                </div>
1487                <div class="modal-body">
1488                        <div class="agreement">
1489                            <input class="form-check-input" id="speedbump-agreement-input" type="checkbox" value="false">
1490                            <label class="agreement-text rich-text" for="speedbump-agreement-input">
1491                                <p>By&nbsp;checking&nbsp;this box and&nbsp;clicking&nbsp;the 'Proceed' button below, you will be redirected to&nbsp;an external web page, and you agree that any personal information that you provide through&nbsp;our affiliate’s&nbsp;web portal (including any sensitive personal information therein) may be used by us and our affiliate in accordance with our&nbsp;<a href="/privacy-policy">Privacy Policy</a> and or our affiliate's privacy policy.</p>
1492                            </label>
1493                        </div>
1494                        <div class="speedbump-rich-text rich-text">
1495                            <p>If you click "Close" you will be returned to our Website.</p>
1496                        </div>
1497                </div>
1498                <div class="modal-footer">
1499                    <button type="button" class="btn btn-secondary" data-bs-dismiss="modal">Close</button>
1500                    <button type="button" class="btn btn-primary" data-bs-proceed="modal">Proceed</button>
1501                </div>
1502            </div>
1503        </div>
1504    </div>
1505    
1505<script>
1506            var Speedbump = Speedbump || {};
1507            Speedbump.ExemptList = ["homebanking.empowerfcu.com","empowerstaging.orb.alkamitech.com","my.empowerfcu.com","mobile.apply.empowerfcu.com","app.loanspq.com","memberservices.empowerfcu.com","www.empowerfcu.com","empowerfcu.com","open.empowerfcu.com"];
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1508
1509</aside>
1510        
1510<script src="/Lib/jquery/jquery.min.js?v=o88AwQnZB-VDvE9tvIXrMQaPlFFSUTR-nldQm1LuPXQ"></script>
1510
1511        
1511<script src="/Lib/jquery-ajax-unobtrusive/jquery.unobtrusive-ajax.min.js?v=PAC000yuHt78nszJ2RO0OiDMu_uLzPLRlYTk8J3AO10"></script>
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1512        
1512<script src="/_content/Kentico.Content.Web.Rcl/Content/Bundles/Public/systemFormComponents.min.js"></script>
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1515<script src="/Assets/Base.js?v=_Fw3XRojpw5lvC7W7B_opcPmC5BahjemE9a_mJSkyuE"></script>
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1516        
1516<script>
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1518    function bindCoBrowse() {
1519        var links = document.querySelectorAll('.site-popular-link-wrapper .footer-popular-link');
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